At Tulsa Insurance Guy, we offer coverage for just about any type of motorcycle on the road or off the beaten path. We insure cruisers, choppers, sport cycles, touring bikes, dirt bikes, scooters, and mopeds, and more! We’ll even cover your personal golf cart, all-terrain vehicle, or snowmobile. Our team is passionate about providing coverage options that fit both your unique needs and your budget.
We understand that your motorcycle is one of your most prized possessions. Our goal is to provide you with the coverage you need to ride with confidence. Tulsa Insurance Guy represents over 80 nationally-recognized insurance carriers. This allows us to provide you with customized motorcycle insurance coverage that works for you!
Required Motorcycle Insurance Coverage
Mandatory motorcycle insurance requirements vary by state. We like to offer motorcycle insurance policies that are designed not only to satisfy all mandatory requirements additional coverage options according to your preferences.
Bodily Injury Liability Coverage
Bodily injury liability coverage helps pay for bodily injury expenses such as hospital bills and medical care. If you cause an accident that injures someone else, you may be held responsible to pay these charges.
Guest Passenger Liability Coverage
Similar to bodily injury liability, this type of coverage protects a guest passenger riding with you on your motorcycle, paying for bodily injury expenses resulting from an accident.
Property Damage Liability Coverage
This type of motorcycle insurance coverage helps pay to fix someone else’s vehicle if you’re held responsible for damages in an accident.
Additional Motorcycle Coverage Required in Some States
Some states require additional motorcycle coverage to legally ride. Even if it is not required by your state, considering these additional types of motorcycle coverage can be a great idea if you ride frequently.
Uninsured/Underinsured Motorist Coverage
Uninsured or underinsured motorist coverage pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.
Comprehensive Motorcycle Coverage
This type of coverage pays for the repair or replacement of your motorcycle if it is stolen, vandalized, or damaged in any way other than a collision. This includes loss or damage from fire, flood, falling objects, wind, and collision with an animal.
Medical Payment Coverage
Medical payment coverage helps pay hospital bills and medical care expenses for you or a guest passenger injured in an accident, regardless of who is at fault.
Benefits of Our Tulsa Motorcycle Insurance Policies
At Tulsa Insurance Guy, we are proud to offer our clients only the best Tulsa motorcycle insurance policies. Here are some of the benefits that set us apart from other providers:
Custom Motorcycle Parts and Equipment
With access to over 20 motorcycle insurance carriers, we can provide optional custom parts coverage up to $20,000 per bike. Some of our carriers cover your first $3,000 automatically at no extra charge when you choose a custom part and equipment package.
Roadside Assistance
Don’t get stranded! Add roadside assistance to your motorcycle insurance policy to get back on the road quickly. This type of policy covers towing to the nearest qualified repair shop and other basic emergency services.
Helmet, Jacket, Boots, and Gloves
Some insurance providers offer coverage up to $1,000 per person, per incident, to replace safety apparel lost or damaged in a collision at no extra charge and no deductible. This coverage is also included with liability-only policies – something that many other companies are not able to offer!
New Harley® Replacement
You’ve been saving up for that new Road King® for years. Don’t let all your hard work go to waste. Two-year replacement cost coverage for your new Harley-Davidson® motorcycle is included as stock coverage with some of our preferred motorcycle insurance carriers.
Save on Your Tulsa Motorcycle Insurance Policy
We partner with over 80 nationally-recognized carriers to provide our clients with access to the best rates. Because of this, we can offer safe riders significant savings through a variety of discounts and benefits. At Tulsa Insurance Guy, we save our clients up to 40% on their Tulsa motorcycle insurance policies. Here are a few tips for saving on your motorcycle coverage:
Drive Safely. Receive a Discount.
Most of our carriers offer a discount for riders who have completed a motorcycle safety course
through the Motorcycle Safety Foundation or other approved motorcycle safety course. This discount is active for three years after the completion of the course.
Join a Riding Club or Group
Become an active member of one of many approved motorcycle riding clubs and association groups and receive a discount on your Tulsa motorcycle insurance!
Experience Matters!
The longer you’ve been riding, the lower your motorcycle insurance premiums! Discounts vary depending on the carrier you select for your coverage. Some carriers offer discounts after one or two years or riding while others require more than four years of riding experience.
Park Your Motorcycle in a Garage
You may be eligible for lower premiums on your Tulsa motorcycle insurance if you store your motorcycle in a secured structure.
Other Savings for Motorcycle Owners
In addition to the discounts mentioned above, there are countless other ways to save on your motorcycle insurance policy including:
- Insure more than one bike.
- Bundle your car, home, or boat insurance with the same carrier.
- Maintain continuous coverage.
- Pay your motorcycle insurance bill in full each year.
- Make a claim-free renewal.
- Install a theft recovery device or anti-lock brakes.
Safety Tips From Your Tulsa Motorcycle Insurance Experts
We want our riders to stay as safe as possible while enjoying time on their bike! Here are some important safety tips to review before you hit the road:
Invest in High-QualitySafety Gear
We want to partner with you in this important venture! Most of our Tulsa motorcycle insurance policies will cover up to $3,000 in custom parts and safety equipment. Contact our team when you purchase new leathers, safety equipment, customizations for your bike so we can update your limits.
Always Wear a Helmet
According to studies shown by our carriers, a motorcycle rider wearing a helmet is 40 percent more likely to sustain a fatal head injury in a crash than a rider without a helmet. A National Highway Traffic Safety Administration study reports that “helmets saved 1,483 motorcyclists’ lives in 2009, and that 732 more could have been saved if all motorcyclists had worn helmets.”
Get the best protection for your head and eyes by buying a full-face helmet. Take extra precautions by wearing other protective gear as well: heavy leather or synthetic gloves, long pants and jacket, and over-the-ankle leather boots.
Make Sure Others Can See You
Most often when cars and motorcycles collide it’s because the driver of the car failed to see the motorcyclist. An accident involving an SUV can be particularly harmful to both bike and rider. With the increasing number of SUVs on the road, it’s more important than ever to take extra steps to become more visible.
Position yourself in the lane where you are most visible. Use your headlamps (both night and day), and wear yellow, red, or orange jackets to make yourself easier to see.
Complete a Safe Riding Course
An average of one out of four motorcycle drivers involved in fatal crashes in 2009 was driving with an invalid license. Additionally, more than 90% of riders involved in accidents haven’t taken a formal motorcycle driving course. Get to know your bike’s capabilities and you’ll become a much safer rider. Errors like over-braking, driving too fast and under-cornering are major factors in most solo mishaps.
Most of our insurance companies offer discounts to riders who attend a Motorcycle Safety Foundation safe riding course or are active in one of their approved groups that promote safe riding. You could save up to 15% on your Tulsa motorcycle insurance policy but completing this important step.
Be Smart. Ride Sober.
Driving impaired is more deadly for cyclists than other drivers. More than half of all motorcycle deaths occur when the rider has been drinking. If you plan on drinking, leave your bike at home and plan to catch a ride with a friend. Driving drunk is never a good idea, regardless of your level of experience or perceived capabilities.
Tulsa Motorcycle Insurance FAQs
At Tulsa Insurance Guy, we work to provide each of our clients with the information they need to make an educated decision regarding their Tulsa motorcycle insurance coverage. Here are answers to a few of our most frequently asked questions regarding this topic:
What is motorcycle insurance?
A basic motorcycle insurance policy simply covers you and your motorcycle by helping to pay for repairs and expenses related to damage and injury from an accident that may or may not be caused by you. Roadside assistance, trip interruption, and custom parts are optional coverage that you can add to your policy.
What types of motorcycles does Tulsa Insurance Guy insure?
Tulsa Insurance Guy offers motorcycle insurance for cruisers, tour and tour sport, sport and supersport, dual and off-road, four-wheel utility and sport all-terrain vehicles, scooters and mopeds, sport and touring snowmobiles, trikes, homemade and kit bikes, personal golf carts, and Segway® Personal Transporters (PT).
Am I covered when racing my motorcycle?
Unfortunately not. Our current carriers do not offer motorcycle insurance coverage for motorcycles that are used for racing or speed contests, or for bikes that do not have nitrous oxide kits.
Can I get a discount for taking a motorcycle safety class?
Yes, you can! By completing a Motorcycle Safety Foundation or other approved motorcycle safety course you can receive a discount for three years.
Will I save money if I belong to a motorcycle association?
Yes! Our Tulsa Insurance Guy team would love to discuss how you can save money on your Tulsa motorcycle insurance policy through our wide range of discounts and savings.
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