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Tennessee Motorcycle Insurance

Nashville, Brentwood, Franklin & the surrounding Middle TN area                   

Choosing the right insurance policy is much like choosing the right motorcycle.  You want it to fit your needs and lifestyle, but at the same time be within your budget.  Although Tennessee requires you to carry a minimum amount of liability coverage, other types of coverage are usually optional.  In order to find out what coverage is best for you, it is important to understand all the options available.

Available coverages include:

Custom Parts & Equipment   

  • Two-year replacement cost coverage for new Harley-Davidson® motorcycles available through Safeco Insurance
  • Safety Apparel Coverage
  • Guest Passenger Liability
  • Roadside Assistance
  • Medical Payments Coverage

TIPS FOR THE COST-CONSCIOUS RIDER            

Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course.  Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.

Maintaining a good driving record with no violations will also help reduce your premiums.

Ask us what discounts we can offer.  Multibike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company.  Availability and qualifications for discounts vary from company to company.

Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.

Liability Coverage

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle.  Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle.  Whether or not this is included depends on the laws of your state and the company issuing the policy.

Collision Coverage

Collision insurance covers damage to your motorcycle if you are involved in an accident.  Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object.  Collision insurance usually covers the book value of the motorcycle before the loss occurred.

Comprehensive Coverage

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism.  However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.

Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle.  If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages.

This coverage typically pays for medical treatment, lost wages and other damages.  If your uninsured/underinsured motorist coverage includes property damage, then your motorcycle would also be covered under the same circumstances.  Check with your insurance professional to see if property damage is included or needs to be purchased separately.                                                   

                  

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Johnston & Associates Insurance Quick Links
321 Billingsly Court, Suite 18
Franklin, TN 37067
615-716-2123
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