Motorcycle Insurance
Coverage for the ride ahead.
A motorcycle isn’t just another vehicle. Whether you ride every day, head out on the weekends, or keep a bike primarily for recreation, your coverage should reflect your motorcycle and how you actually use it.
Based in Albuquerque, Western Assurance Associates serves clients throughout New Mexico, Texas, Colorado, and Arizona. Our team can help you understand your options and find coverage that fits both the bike and the person riding it. As an independent agency, we can explore options from the insurance companies we work with and help you understand what you’re getting before you hit the road.
What can motorcycle insurance help protect?
Motorcycle insurance includes many of the same basic protections you may recognize from auto insurance, along with options designed specifically for motorcycles:
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Coverage that may help repair or replace your motorcycle following a covered collision.
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Protection if you’re legally responsible for injuries to another person or damage to someone else’s property in an accident.
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Coverage that may help protect you if you’re injured in an accident caused by a driver who has no insurance or not enough insurance to cover the loss.
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Depending on the policy, assistance may be available if your motorcycle breaks down or needs to be towed.
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Protection against certain non-collision losses such as theft, vandalism, fire, hail, or other covered events.
Your bike may not be stock. Your coverage shouldn’t assume it is.
For many riders, modifications and accessories are part of what makes a motorcycle their own.
Custom wheels, exhaust, seats, electronics, paint, performance parts, and other upgrades can add value to your bike. Let us know what you’ve changed so we can help you explore coverage that reflects the motorcycle you actually own.
How much motorcycle insurance do you need?
Your motorcycle, how often you ride, where you keep it, your riding history, coverage limits, and deductibles can all affect your needs and premium.
We’ll help you compare your options and understand the differences before you choose a policy.
What if you only ride part of the year?
Even when your motorcycle is parked, risks such as theft, fire, vandalism, and weather damage don’t necessarily go away.
Before reducing or changing coverage during the off-season, talk with us about how that decision could affect your protection.
Insurance for the bike. Guidance for the rider.
Every rider is different. We’ll take the time to understand your motorcycle, how you use it, and what matters to you. Then help you explore coverage that fits.