Get the coverage you need for the open road. Whether you're a daily commuter or a weekend adventurer,
TMN Insurance Agency ensures your ride is protected.
Motorcycle Insurance
Coverage Options to Match Your Needs
1. Liability Coverage
Covers bodily injury and property damage you may cause to others.
Protects passengers with Guest Passenger Liability, depending on your state’s laws.
2. Collision Coverage
Pays for damage to your motorcycle from accidents with vehicles or objects.
Covers the book value of your bike, minus the deductible.
3. Comprehensive Coverage
Covers damages from fire, theft, vandalism, or other non-collision incidents.
Includes standard factory parts but excludes optional accessories unless additional coverage is purchased.
4. Uninsured/Underinsured Motorist Coverage
Protects against uninsured or underinsured drivers.
Covers medical expenses, lost wages, and property damage, depending on your policy.
Affordable Insurance for Cost-Conscious Riders
Tips to Save on Premiums
Take the Motorcycle Safety Foundation (MSF) course for a 10–15% discount.
Maintain a clean driving record with no violations.
Consider a lay-up policy for off-season months in colder regions.
Ask about:
Multibike discounts for insuring more than one motorcycle.
Membership discounts if you're part of a motorcycle association.
Mature rider discounts for experienced riders.
Factors Affecting Your Premium
Type and style of your motorcycle (e.g., sports bike vs. cruiser).
Age and mileage of the motorcycle.
Storage location (secure garage vs. outdoor parking).
