Progressive became the most popular motorcycle insurer by balancing extensive coverage with small accident forgiveness and by covering repairs that retain the value of your motorcycle.
Progressive Insurance, founded in 1937, insures a vast number of motorcycle riders in the U.S. today. Its popularity is the result of extensive Standard coverage, Original Equipment Manufacturer (OEM) parts replacement and concierge claim service with unlimited small accident forgiveness. Riders can be certain that they and their motorcycles are fully protected, and they will not be punished if something goes wrong. Progressive is committed to staying one step ahead of its competition, and its members reap the benefits.
Apparel and Helmet
Any coverage available?
|Included in Comprehensive and Collision; Add-on: Personal Belongings|
# of Vehicles
Number of vehicles allowed on one policy
|Up to 4 vehicles and 5 riders per policy.|
Coverage for custom or vintage bikes
|Custom and vintage coverage with Agreed Value|
Are any covered?
|Trip Interruption (up to $500/claim) requires Roadside Assistance coverage|
|Many factors: driver, vehicle and add-on coverage|
What triggers discounts?
|Safe driver, pay in full, pay on time, automatic bill-pay, homeowner, married (in states where rate reduction is allowed), LoJack, anti-lock brakes, completion of safety courses, multi-policy/vehicle, motorcycle license/ endorsement, motorcycle association, and switching/transfer from another carrier; Diminishing Deductible plans also available|
Hours available and means of contact?
|Not all local agents work with motorcycle coverage. Customer service reps available by phone 24/7/365. Online access via the website and mobile app. As a policyholder, may also email or web chat with a rep|
What does Standard coverage include?
|Liability, Comprehensive, Collision, Medical, $3,000 of Custom Equipment coverage, OEM Parts Replacement and Accident Forgiveness|
What add-ons are available?
|Total Loss, High-Value Customization, Enhanced Injury Protection, Roadside Assistance, Diminishing Deductible and Personal Belongings|
Progressive Insurance is designed to create an easy, user-friendly experience for locating quotes, getting coverage information and signing onto a policy online. Its website is tops in functionality and ease-of-use. For an aging senior, this is particularly important. The claims process is streamlined, too. Customer service representatives are available 24/7 by phone and email, and from 5 AM to 12 AM EST by web chat. While there are local agents across the country, a particular agent may not work with motorcycle coverage. The potential lack of a local agent would be a disadvantage for those who are older and want to meet with a customer service representative in person. The coverage itself is great for any healthy and active motorcycle rider, regardless of age. Its app lets tech-savvy seniors get Roadside Assistance with two taps on a smartphone.
Providing coverage for sport bikes, cruisers, autocycles and trikes, Progressive has a policy that covers members as their health changes and mobility issues adjust the type of motorcycle that meets the rider’s needs. The extensive Comprehensive, Collision, Medical and Liability coverage ensures that weekend warriors and avid, full-time riders alike are covered.
Progressive’s Enhanced Injury Protection coverage provides additional funds for those riders who are unable to work due to a major accident. It also has a built-in life insurance policy in the event of a fatal accident.
As health continues to decline, a rider is likely to be using the motorcycle less and coverage will become less valuable.
Progressive is the most popular motorcycle insurer for a reason. The extensive Standard coverage ensures that riders have peace of mind. Numerous discounts, vanishing deductibles and easy online account management save you time and money when the road is smooth, while concierge claim service, accident forgiveness and Original Equipment Manufacturer (OEM) parts replacement make the process of submitting a claim a little easier to handle.
Seniors can easily request quotes and set up a new policy online. The site is designed for easy navigation and offers multiple ways to contact an agent with any questions. For those who prefer to talk to an agent directly, customer service is available 24/7 by phone and can even provide rate comparisons to ensure you are getting the best deal. Local agents are available across the country, but you have to check if they work with motorcycle coverage.
We highly recommend Progressive for all of your motorcycle insurance needs.
Frequently Asked Questions:
Can I cover my custom/vintage bike? Both custom and vintage bikes (over 25 model years old) are eligible for coverage with an Agreed Value to protect your investment. Progressive claims it covers 99% of motorcycles found on the road now.
Is my protective gear covered under my policy? Not only does Progressive’s Standard coverage protect your riding gear and helmet, but you can add on specialty coverage for any high-value belongings you carry or tow. That means if you have an accident on your way to work, Progressive will cover the cost of a damaged laptop.
How can I lower my premium? Progressive offers a wide number of discounts including quote in advance (getting the quote at least one day before your policy starts), safe driver, multi-vehicle/policy, pay in full, pay on time, automatic bill pay, homeowner, motorcycle association and anti-theft devices. Checking online for a quote will uncover more ways to save.
It is smart to have a policy that insures you in case of any incident, even if motorcycle insurance is not mandatory in every state. As with other types of vehicle insurance coverage, the provider determines a motorcycle insurance policy price based on a variety of factors including age of the driver(s), accident history, vehicle make/model/age and frequency of use. Custom-built cycles may require an independent appraisal or Agreed Value defined between the owner and the insurance provider to determine the correct coverage.
Where the vehicle is registered can also affect premiums: some states are more expensive than others. Minimum coverage requirements are also state-based. Many policyholders are unaware that even their educational level and their insurance credit score can impact the overall cost of premiums. A more accurate picture of the total cost is available through a representative or an online quote.
Contract Details: Policies are written and renewed annually. Payments may be made in full at the beginning of the term, on a monthly basis or following some payment plan options. Policies may also be canceled at any time.
Warranty: No warranty.
Accreditations: Progressive Insurance, the parent corporation, is rated A- by BBB, although accreditation has not been received from the Better Business Bureau. According to JD Power, Progressive Insurance received an ‘average’ rating from its auto customers for their overall insurance claims experience. The corporation is rated A+ by A.M. Best and AA by Standard and Poor’s.
Company Details: Progressive Insurance, founded in 1937 by Joseph Lewis and Jack Green, was created to provide not only insurance but a sense of security and protection to its customers. Through decades of growth and expansion, Progressive has committed to staying a step ahead of its competition. The first to offer drive-in claim service and rate comparisons that occasionally favor competitors, Progressive is focused on delivering an optimal user experience.
The Progressive Corporation
6300 Wilson Mills Rd.
Mayfield Village, Ohio 44143
Chat: Available 5 AM to 12 AM EST, Monday-Friday
Online Messaging: https://www.progressive.com/contact-us/