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Motorcycle / ATV Insurance





        Why do you need insurance for your motorcycle/ATV?

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 are in an accident or your motorcycle/ATV is stolen, it can cost a substantial amount of money to fix or replace the vehicle.
  • If you or a passenger is injured in an accident, medical costs can be extremely expensive.
  • If your motorcycle/ATV is responsible for damage or injury to others, you may be sued for much more than you are worth.

Things to consider and questions to ask your agent:

Martin & Zerfoss is an advocate for finding insurance that meets your specific needs. Consider these things as you prepare for the discussion:

  • How much can I afford to pay if my motorcycle/ATV is in an accident, damaged or stolen? Ask Martin & Zerfoss 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/ATV 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, driving record, where you live, the type of motorcycle/ATV you own and whether you graduated from a motorcycle/ATV training course.

  • Maintaining a good driving record with no violations will help reduce your premiums.
  • Keep in mind that the type, style (such as a sports bike vs. a cruiser), age of the motorcycle/ATV, and number of miles you drive a year may also affect how much you pay for your premium.


This website provides a basic summary of the insurance products offered by Martin & Zerfoss. It is not a statement of contract and coverage may not apply in all areas. For a complete description of coverage, please read the insurance policy, including all endorsements.

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