Motorcycle Insurance

Spending time out on the open road on a motorcycle can be both freeing and fun. However, it's important to have proper coverage first. Here’s what you need to know about purchasing motorcycle insurance in Minnesota.

What is Motorcycle Insurance?

Motorcycle insurance is almost identical to auto insurance. The biggest difference between the two is that one covers a full-size car and one covers your bike. You still select a level of liability coverage and decide whether to carry comprehensive and collision coverage. And you still have the option of choosing things like medical payments coverage and other endorsements.

Why You Need Motorcycle Insurance

Simply put, the reason why you need motorcycle insurance is to stay legal on the road. The State of Minnesota requires all vehicles to carry it, but there are numerous other reasons to buy this type of policy. By protecting yourself with adequate coverage, you can rest easy knowing any medical bills or damage to your bike are covered in the event of an accident.

Purchasing a Motorcycle Insurance Policy

In case you weren’t aware, purchasing a motorcycle insurance policy is almost identical to buying car insurance. You simply schedule a time to meet with one of our friendly and knowledgeable team members. From there, we will ask you a few questions about your bike and driving history. Finally, we will help you select the right level of coverage for your needs and budget. It’s that simple!

We Are Proud to Be an Independent Agency

There are multiple benefits to working with an independent insurance agency for motorcycle insurance. Since we are not tied to just one carrier, we can easily find coverage for drivers with special circumstances including higher risk, custom modifications, and much more.

Do you own a motorcycle in Sauk Rapids, MN and need insurance coverage? Our Hoff’s Insurance Specialists team is here to help. Contact us today to schedule an appointment or to receive a no-obligation rate quote.