Motorcycle Insurance


Motorcycle Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Motorcycle Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Motorcycle Insurance Information

Why do you need insurance for your motorcycle?
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or a passenger is injured in an accident, medical costs can be extremely expensive.
  • If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your motorcycle may be one of your most prized possessions. It deserves special protection.  

Did you know that you are required by Ohio law to insure your ATV?
Recent changes in Ohio law require most ATV's to be insured on a separate policy unless the vehicle is used primarily for agricultural purposes and the owner qualifies for the current agricultural use valuation tax credit.  This exception does not apply if it's used on public lands, trails, or right-of-ways.  Besides the legal requirement, there are some other very good reasons to insure your ATV, just as there are for your motorcycle:

  • If you're in an accident or your ATV is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or a passenger is injured in an accident, medical costs can be extremely expensive.
  • If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your ATV may be one of your most prized possessions. It deserves special protection.

Things to consider and questions to ask your agent
Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can I afford to pay if my motorcycle or ATV is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
  • What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
  • How much medical and liability coverage should I have?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What's the process for filing and settling a claim?

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 or ATV 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.
  • In Ohio, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.  However, most carriers price their policies with the assumption that you won't be riding in the winter months and may not offer a lay-up policy.   
  • Find out what discounts your insurance representative offers. Multi-vehicle discounts for those insuring more than one bike or ATV, 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 and your state. Availability and qualifications for discounts vary from company to company and state to state.
  • Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle or ATV, 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.

Why Compass?
Our clients are not just a number in a phone queue.  We ride the same roads and trails that you do.  If you ever have a problem with a claim, a bill or just need some advice, you will know the people that service your account on a first name basis.  You can call, email or text us, or even come in and sit across the desk from us and have a face-to-face conversation.  We are dedicated people who have many years of experience helping people just like you.  Unlike the constant turnover that occurs in huge call centers, we'll be around when you need us.  What's more, we're not a one-size-fits-all solution.  Whether you ride a Hog, a crotch rocket or a Grizzly, we have a policy designed just for you.  We represent you, the client, to a variety of motorcycle and ATV insurance companies, not the other way around.  In doing so, we will always be able to find you the right coverage at a competitive price - both now and in the future.

Give us a call at (419)207-1111!
We're your #1 source for motorcycle and ATV insurance in Apple Creek, Ashland, Bellville, Burbank, Butler, Congress, Crestline, Creston, Dalton, Doylestown, Fitchville, Glenmont, Greenwich, Hayesville, Homerville, Jeromesville, Lakeville, Lexington, Lodi, Loudonville, Lucas, Mansfield, Marshallville, Millersburg, Nankin, New London, Nova, Olivesburg, Orrville, Perrysville, Plymouth, Polk, Rittman, Savannah, Shelby, Shreve, Smithville, Spencer, Sullivan, Wellington, West Salem, Wooster and all of Ohio.

 

Looking for other lines of insurance as well?
Package your motorcycle insurance with an automotor club, homeowner, condominium, renters, floodumbrellamotorhome, boat, farmbusiness or life insurance policy.

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