Two Wheels, the Open Road & Total Peace of Mind
A lot can go wrong on the open road. That’s why it’s important to have motorcycle insurance to protect yourself and your bike. We will work with you to find the coverage that gives you freedom to enjoy the ride.
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Your Auto Policy Does Not Cover Your Bike
A personal auto policy does not extend to your motorcycle. A separate policy responds to damage to the bike, to injuries and damage you cause others, and in many cases to the gear you ride in. We help you build one around how you actually ride.
LIABILITY AND UNINSURED MOTORIST
Responds when you are at fault, and when the other driver has no coverage or not enough of it.
COLLISION AND COMPREHENSIVE
Helps with repairs after a crash, plus theft, fire, vandalism, and weather damage.
GEAR AND CUSTOM PARTS
Helmets, jackets, and aftermarket upgrades can be covered, typically up to a set limit.
What Riders Add To A Basic Motorcycle Insurance Policy
These sit on top of liability and physical damage. Most are optional, each carries its own limit, and availability varies by policy. We walk through them with you before you sign anything.
MEDICAL PAYMENTS (MEDPAY)
Helps with medical bills for you and your passenger after a crash, no matter who was at fault.
CUSTOM PARTS AND EQUIPMENT
Exhausts, seats, fairings, and other upgrades can be covered when they are declared on the policy, up to a set limit.
HELMET AND RIDING GEAR
Your helmet, jacket, gloves, and boots may be covered after a covered loss, up to a stated limit.
ROADSIDE ASSISTANCE AND TOWING
Flat tires, dead batteries, fuel delivery, and a tow to a repair shop, available as an add-on.
TRIP INTERRUPTION
If a covered loss leaves you stranded away from home, this helps with lodging, meals, and getting where you were going.
TRANSPORTATION EXPENSE
Helps with the cost of getting around while your bike is in the shop after a covered loss.
5
States Licensed
30+
Team Members
10K+
Satisfied Customers
4.9/5
Stars on Google
A Quote Form Never Asked What You Ride
Ninety seconds online gets you a price. It does not tell you whether your gear is covered, whether your custom pipes are listed on the policy, or what happens when an uninsured driver turns left in front of you. We go through all of it before you decide.
A Licensed Agent, Not Just a Form
Someone asks what you ride, how often, and what you have added to the bike before you pick limits.
We Ride the Same Roads
Georgia requires a helmet on every rider, and uninsured drivers are a real problem here. Both change what you should carry.
The Same Office, Every Time
Call us to add a bike, adjust coverage, or get help when you need to file a claim.
How Much Does Motorcycle Insurance Cost?
No two riders pay the same. These five factors do most of the work.
Tickets, at-fault accidents, and prior claims all factor in. So does how long you have held your motorcycle endorsement.
More time on the road means more exposure. A bike you ride daily is rated differently than one that comes out a few weekends a month.
Cruisers, sport bikes, touring bikes, and trikes carry different theft rates and repair costs. That shows up in the price.
Where the bike sits when you are not on it matters, and so does your ZIP code. Carriers weigh theft, vandalism, and weather exposure by area.
Motorcycle Insurance Terms, Explained
Deductible
What you pay out of pocket on a covered claim before your policy pays the rest. You choose the amount when you set the policy up.
Limit
The most your policy will pay on a covered claim. Liability limits are often written as three numbers, like 25/50/25, one for each type of payout.
Actual Cash Value
What the bike is worth today, after depreciation. Most policies settle a total loss this way unless something different is set up.
Agreed Value
A value you and the carrier settle on up front, used for customized or collectible bikes. Not available on every policy.
Endorsement
On your license, it is the certification that lets you ride. On your policy, it is a change or add-on to existing coverage. Same word, two meanings.
Guest Passenger Liability
Coverage for injuries to someone riding behind you. Some policies include it, some require it to be added, so it is worth confirming.
Property Damage
Full Structural Coverage For Accidental Damage, Ensuring Your Home Is Always Protected.
Declarations Page
The summary at the front of your policy. It lists your limits, deductibles, and any equipment you have declared. Worth reading once.
Scheduled Equipment
Parts and accessories listed on the policy by name and value. Upgrades that are not scheduled may not be covered.
Lapse
A gap in coverage, which can happen if you cancel over the winter. Carriers look at continuous coverage history, so a gap can follow you.
Add-On vs Reduced-By UM
Georgia lets you choose how uninsured motorist coverage stacks with the at-fault driver's limits. The two options pay out very differently.
4 Locations, Always Just A Call Away
Our home is the southeast. While we're also licensed in and proudly serve Alabama, Arkansas, and Mississippi, we have four locations throughout Georgia and Tennessee.
Get Your Motorcycle Insurance Quote Now
Simplified Protection Our Hassle-Free Insurance Process
Where Your Peace Of Mind Is Our Priority. We Understand That Finding The Right Insurance Coverage Can Be Overwhelming, Which Is Why.
What Customers Say on Google
Unedited reviews from our Google Business Profile. Read all of them there.
2nd year with Peachy, and they're very client-focused. They reached out to conduct a coverage review, and I spoke with Frankie, who was great at pointing out the pros & cons of different options in a no-pressure approach.
Yumna Ali
Very informative and helpful. Also helped me add an extra service to my new vehicle that will help incase i ever get total out👊🏾
Livingston Lewis
The agent was very helpful and very knowledgeable about my situation and my concerns and took time to explain everything
Lavander Hines
Answers To Important Motorcycle Insurance Questions
Here are just some of the most frequently asked questions we receive about motorcycle insurance, with some brief answers. Don't see your question answered here? We're only a call away and happy to advise at any time.
