Safeco Motorcycle Insurance Policy Review
Customers looking for motorcycle insurance will find Safeco Insurance a good option for affordable coverage from a financially stable insurance company. Safeco Insurance is a part of the Liberty Mutual Insurance Group. All major financial ratings organizations give the Liberty Mutual Group of insurance companies very high ratings. A.M. Best gives Liberty Mutual Group its “A” Excellent rating.
Coverage Options
Chances are, no matter what type of motorcycle you ride, Safeco Insurance provides a motorcycle insurance option for you. Some of the types of bikes covered include scooters, mopeds, cruisers, sport cycles, choppers, dirt bikes, touring bikes and sports cycles. Minimum liability coverage limit requirements vary state by state, so if you are unsure of your state’s requirements, check with your local insurance agent or your state’s department of insurance.
- Bodily Injury Liability: Bodily injury is the portion of your motorcycle insurance policy that pays for bodily injuries to other parties when you are involved in a motorcycle accident.
- Guest Passenger Liability: Coverage specifically designed to cover injuries to your guest passenger riding with you on your motorcycle.
- Property Damage Liability: Property damage pays to repair or replace the other party’s vehicle if you are responsible for the accident.
- Uninsured/Underinsured Motorist: This coverage is required in some states. This coverage pays for your injuries or death caused from an accident involving an uninsured or underinsured motorist. It will also pay for any injuries you sustain if you are hit as a pedestrian.
- Comprehensive: Comprehensive coverage is for your motorcycle and pays if your motorcycle is stolen, vandalized or damaged by anything other than a collision such as fire, flood, wind and collision with an animal or falling object.
- Collision: This coverage pays to repair your vehicle when you are involved in a motorcycle accident.
- Medical Payments: Medical payment coverage is an optional coverage you can add to your motorcycle insurance policy that will pay for your medical care and hospital bills as well as those of your guest passenger regardless of fault.
You can also add the optional coverage of custom parts and equipment for up to $20,000 per motorcycle. The first $3,000 for custom parts is at no additional cost to you. Roadside assistance coverage is also available.
Special Policy Features and Programs
- Safety Apparel Replacement: Up to $1,000 per person to replace any safety apparel lost in a collision including boots, helmet, jacket and gloves. This coverage option is at no extra charge and with no deductible requirement.
- New Harley Replacement: If you own a new Harley-Davidson motorcycle, Safeco offers new replacement cost coverage for two years.
Discounts
There are many discounts available through Safeco Insurance to help you save money on your motorcycle insurance policy. To save even more money, you can increase your deductible or pay your total policy balance early. If you raise your deductible, make sure you have enough money to pay the out-of-pocket expense should you be involved in an accident.
- Motorcycle Safety Foundation Discount: If you complete a Motorcycle Safety Foundation or other approved safety course, you will receive a discount on your motorcycle insurance for three years.
- Riding Club Discount: Discount for joining one of 24 approved motorcycle riding clubs or associations.
- Mature Rider: The longer you have been riding, the more discounts you will receive on your motorcycle insurance policy. Discounts are available in increments for riders with one to two years, four years and more than four years’ experience.
- Garage Discount: If you keep your motorcycle in a locked and secure garage at night, you will receive a discount on your policy.
- Homeowners Discount: Riders who own their own home will receive a motorcycle insurance policy discount of up to 20%.
In addition to motorcycle insurance coverage you can rely on, your policy will come with the support of an agent who's as eager to help you as you are to ride your bike. Your Allstate agent not only knows the special needs of motorcycle riders, he or she can help you:
- Find discounts so you can make the most of your savings
- Create an insurance quote
- Explain your coverage and what your policy protects
- Get answers to your questions about the claims process
- Find helpful info about taking care of your motorcycle
Find an agent to get a personalized insurance proposal now, or call 1-877-379-BIKE, and learn how your agent can help you. You can also see how Allstate agents help your neighbors and friends.
INSURANCE FOR YOUR MOTORCYCLE OR SCOOTER
Whether it's your main transportation or your weekend ride, an Allstate motorcycle insurance policy may help protect your bike or scooter. From headlight to tail light, it's important to make sure you and your ride are covered. In many states, some minimum coverages may even be required before you hit the road.- Liability coverage: Required in most states, liability coverage may help pay for another person's medical bills or property repairs if you cause an accident while on your scooter or motorcycle.
- Collision coverage: This coverage may help pay to repair or replace your motorcycle or scooter if it is damaged in a collision with another vehicle or object.
- Comprehensive coverage: If your motorcycle or scooter incurs damage due to incidents such as fire, theft or vandalism, comprehensive coverage may help pay for repairs or replacement.
- Uninsured/Underinsured Motorist Coverage: If your bike or scooter is hit by a driver who doesn't have insurance or enough coverage to pay for repairs to your bike, uninsured and underinsured motorist coverage may help pay the related repair costs.
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