Allstate Motorcycle & ATV Insurance

Allstate Motorcycle & ATV Insurance FAQ

What types of motorcycle and ATV insurance coverage does Allstate Motorcycle & ATV Insurance offer?

Allstate Motorcycle & ATV Insurance customers can also add the following riders or endorsements to their policies:

• Accident Forgiveness: This insurance rider helps you avoid a rate increase after the first accident where you are at fault. Some carriers pass on this benefit to other drivers on your policy, such as your teenage children. Check with Allstate Motorcycle & ATV Insurance to see if this rider is available in your area as it is not available in all states.

• Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most motorcycle and ATV insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.

• Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can no longer use your vehicle because of a covered loss, such as an accident, theft, or vandalism.

• Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your motorcycle or ATV and its current cash value in the event of a total loss.

• Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

• Transport Trailer Coverage: This covers non-motorized trailers towed by a vehicle. If they are damaged or cause damages in an accident this policy will cover the costs.

• Mechanical Breakdown Coverage: If your motorcycle or ATV is protected by mechanical breakdown insurance the costs of repairs (not including maintenance or normal wear and tear) are covered by your policy. However, you will need to obtain authorization from your insurance company first.

What benefits does Allstate Motorcycle & ATV Insurance offer?

• 24/7 Phone Availability: Customer service is staffed around the clock.

• Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

• Digital Claims Reporting: Never fax or mail a document again.

• Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

What discounts can you ask for when applying for a policy with Allstate Motorcycle & ATV Insurance?

• Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums.

• New Motorcycle or ATV: If you buy a current year or previous year model, you will qualify for a juicy discount on your premium.