While nothing beats the freedom of motorcycling on the open road, sometimes you also need a car to get around. The good news is that you can bundle car and motorcycle insurance from many companies and get discounts on your coverage. We at the Guides Auto Team will show you how best motorcycle insurance Companies that also offer car insurance with bundle discounts.
Best car and motorcycle insurance discounts
We compared the best auto and motorcycle insurance companies based on reputation, coverage, cost and customer experience. Our top picks for bundling coverage are Geico, Progressive, Liberty Mutual, Nationwide, and American Family Insurance.
Geico offers a discount of up to 5% for bundling your auto and motorcycle insurance coverage. That might not sound like the biggest discount, but our team found Geico’s auto insurance rates to be about 24% cheaper than the national average. When you start with cheap rates, every discount makes it better.
With Geico motorcycle insurance and all companies on our list will give you all standard coverage options including these:
Geico also offers extras like an accessory cover that can protect:
- Sidecar not in stock
- seats and saddlebags
- Electronic equipment
- Trike conversion kits
Progressive motorcycle insurance Policies come standard with full replacement costs, custom equipment coverage, and OEM parts coverage. For auto insurance, Progressive offers numerous options such as: B. Ride-alongs and custom parts. It also offers a usage-based program called Snapshot that offers discounts based on safe driving.
Progressive features a wide range of motorcycle and car cover options. With motorcycle insurance, you can take out the following additional insurances:
- Carried Content: Includes personal items such as phones, camping gear, and hunting gear
- total loss coverage: It is worth replacing a bike that is up to two model years old with a brand new model
- Increased protection against injuries: Expands death benefits to $25,000 and can pay up to $250 a week for two years if you’re injured and unable to work
Liberty Mutual offers 13 car insurance discounts and advertises three motorcycle insurance discounts, although more may be available depending on your situation. While you can get a car insurance quote online, you must call Liberty Mutual to get a car and motorcycle bundling quote.
Liberty Mutual motorcycle insurance policies include replacement for a new bike, but you can also upgrade to Better Bike Replacement. This gives you more than the cash value of your bike if it’s totaled in an accident. And for auto insurance, Liberty Mutual offers optional coverages like original parts replacement, roadside assistance and car rental refunds.
Nationwide is another reliable auto insurance company that offers bundle discounts that apply to motorcycle insurance. However, you’ll need to get in touch with the company to see what you can save.
In terms of coverage options, Nationwide offers numerous choices for both auto and motorcycle insurance. On the car side, Accident Forgiveness is a helpful upgrade that keeps your rate the same after your first minor infraction or at-fault accident. And for motorcycle insurance, Nationwide offers custom equipment coverage up to $30,000 to protect your motorcycle’s aftermarket add-ons.
American Family Insurance
Our final pick for the best auto and motorcycle insurance packages is American Family Insurance. This provider offers a good range of cover options for both bikes and cars. Also, you can get a discount for bundling policies. American Family can cover these bike types and more:
- sports bikes
- touring bikes
American Family motorcycle insurance covers up to $1,000 in protective gear. This policy replaces important safety equipment such as a helmet and jacket after an accident. And AmFam’s comprehensive and collision insurance automatically covers up to $3,000 worth of custom parts, with higher limits available.
When should car and motorcycle insurance be bundled
There are two main reasons for bundling car and motorcycle insurance: to save on insurance premiums and to bundle insurance with one provider.
Bundle discounts range from a few percent to 10% or more. This can definitely help you save how much does motorcycle insurance cost. Depending on the company, you may get a bigger discount on one policy than another. Or you can get the same discount on both. When it comes to motorcycle insurance, you need to shop around to see what discounts you can get from different companies.
The other benefit of bundling is that you only have to pay one company for both your car and motorcycle policies. You can see your rewards on a single invoice and deal with the same company if you have a question or make a claim.
When should you not combine car and motorcycle insurance?
Sometimes bundling car and motorcycle insurance is not the best option. This may be the case when you are looking for a specific type of motorcycle insurance. For example, you may have a classic ride and want agreed value coverage rather than market value. Or you might also want a cover for your transport trailer. Choose the provider based on the type of coverage you need before simply looking at multi-policy discounts for cheap motorcycle insurance.
How to combine car and motorcycle insurance
Bundling your car and motorcycle coverage is pretty easy. You can compare offers online or call companies to find the right coverage.
Compare car and motorcycle bundling offers
To find cheap motorcycle insurance, we recommend comparing at least three quotes when looking for coverage. Remember that motorcycle insurance is more specialized than car insurance, so you may have to call an insurance company to get a quote instead of using a simple online form.
Consider the coverage you need
Once you have a few companies in mind, compare the coverage options each offers. From touring bikes to choppers, there are many types of motorcycles and even more types of motorcycle owners. Find the right cover for your situation. And as mentioned above, if you can’t find the right cover, avoid bundling.
Avoid a coverage gap
If you currently have separate insurance coverage for a car and a motorcycle, be careful when you do this switch to a new insurer. Overlap the coverage of both vehicles for at least one day to avoid a coverage gap. If your car or bike doesn’t have insurance coverage for a long time, you may end up paying more for insurance policies in the future.
Car and motorcycle insurance: Conclusion
Bundling car and motorcycle insurance together is a great way to save money when you find the coverage you need. Our choices for bundling this coverage are Geico, Progressive, Liberty Mutual, Nationwide, and American Family Insurance. Compare offers to find the best option for you.
Car and Motorcycle Insurance: Frequently Asked Questions
Here are some frequently asked questions about car and motorcycle insurance:
Because consumers rely on us to provide objective and accurate information, we have developed a comprehensive rating system to formulate our ranking of the best motorcycle insurance companies. We collected data on dozens of motorcycle insurance providers to rank the companies based on a variety of ranking factors. The end result was an overall rating for each provider, with the insurers with the most points topping the list.
Here are the factors our reviews take into account:
- Cost (20% of total score): Motorcycle insurance quotes obtained through secret shopping and discount opportunities have been taken into account.
- Coverage (20% of total score): Companies that offer a variety of insurance coverage choices are more likely to meet consumer needs.
- Reputation (20% of total score): Our research team considered market share, industry expert reviews, and fiscal year to assign this rating.
- Availability (20% of total score): Auto insurance companies with greater state availability and fewer licensing requirements scored highest in this category.
- Customer Experience (20% of total score): This score is based on the number of complaints reported by the NAIC and customer satisfaction ratings. We also considered the responsiveness, friendliness and helpfulness of each motorcycle insurance company’s customer service team based on our own buyer analysis.
*Data correct at time of publication.