So you've invested in a sweet set of wheels to hit the open road. Now it's time to protect your ride with motorcycle insurance from USAA.
Types of Motorcycle Insurance Offered by USAA
USAA offers several types of motorcycle insurance to protect your ride. The coverage you choose depends on the value of your bike, how much risk you want to take on, and what level of protection gives you peace of mind.
1. Liability Insurance
Liability insurance covers damages to other vehicles and property in an accident you cause. It protects you financially but does not cover your own motorcycle repairs or medical bills. Liability coverage is required in most states to legally operate your motorcycle. USAA offers liability limits up to $500,000.
2. Collision Insurance
Collision insurance covers repairs to your own motorcycle after an accident. It pays out regardless of who is at fault in a crash. Collision coverage gives you comprehensive protection but typically has the highest premiums. USAA offers collision coverage with various deductible options so you can find a balance of coverage and affordability.
3. Comprehensive Insurance
Comprehensive insurance protects against damage to your motorcycle from non-collision events like theft, vandalism, fire, flood, or hail. It provides coverage for events outside of your control and also typically has more affordable premiums than collision. USAA offers comprehensive coverage with a range of deductibles.
4. Uninsured/Underinsured Motorist
This coverage protects you in the event an uninsured or underinsured motorist causes an accident. It covers your medical bills, lost wages, and repairs when the at-fault driver does not have enough insurance. Uninsured and underinsured motorist coverage is optional but provides essential protection, especially in areas with many uninsured drivers.
USAA has been providing motorcycle insurance for over 30 years. They offer customized coverage, discounts for safe riders and multiple policies, 24/7 claims service, and affordable premiums. Protecting your motorcycle with the right coverage means you can ride with confidence.
Discounts and Savings With USAA Motorcycle Insurance
Some of the ways you can lower your premiums include:
1. Safe Rider Discount
USAA rewards safe riders. If you have a clean driving record free of accidents or traffic violations for the past 5 years, you can earn up to 15% off your premiums. USAA will check your record when you apply for a new policy and at each renewal to see if you qualify.
2. Multi-Policy Discount
Do you have other policies with USAA like home, life or renters insurance? You can bundle them together and earn up to 15% off your motorcycle premium. The more policies you have, the bigger the savings.
3. Garaging Discount
Where you park your motorcycle can also impact your rates. If you garage your bike in a secure area like a garage or storage unit, you may get a discount of up to 5% for helping reduce the risk of theft or vandalism. USAA will ask about your bike’s parking situation when you get a quote or renew your policy.
4. Safety Course Discount
Have you recently completed a motorcycle safety course? Provide USAA with proof of completion and you can get a discount of up to 5% off your premiums for the current policy period.
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How to File a Motorcycle Insurance Claim With USAA
Filing an insurance claim after an accident can stressful, but USAA aims to make the process as easy as possible for members. Here are the steps to file a motorcycle insurance claim:
1. Contact USAA immediately
As soon as possible after an accident, call USAA at 800-531-8722 to report the incident. Be prepared to provide details about what happened, including time, location and extent of damage. USAA may dispatch emergency roadside assistance if needed.
2. Get an estimate of damage
Take photos of the damage to your motorcycle and get repair estimates from mechanics or dealerships. Provide the estimates to USAA. An adjuster can review the information and determine if the costs are covered under your policy.
3. Review and sign the settlement
Once a settlement amount is determined, USAA will provide the details for you to review and approve. Sign and return the settlement paperwork. USAA will then issue payment for the agreed amount.
4. Get your motorcycle repaired
Schedule repairs with a certified mechanic or dealership of your choice. Provide the settlement details to ensure USAA will cover the costs. Repairs can begin once USAA issues payment directly to the repair facility.
5. Pay your deductible (if applicable)
For claims that require a deductible, you will need to pay that amount directly to the repair facility. USAA will deduct your deductible from the total settlement amount before issuing payment.
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FAQs About USAA Motorcycle Insurance
Here are some frequently asked questions to help you understand the details.
1. Do I have to be military to get USAA motorcycle insurance?
No, USAA motorcycle insurance is available to anyone. While USAA originally only served military members and their families, they now offer their products and services to all.
2. What types of motorcycles does USAA insure?
USAA provides coverage for most types of motorcycles, including:
Sport bikes
Cruisers
Touring bikes
Dual-sport
Standard or “naked” bikes
As long as it's street legal in your state, USAA likely offers a policy for your bike.
3. What coverages are offered?
USAA offers liability, collision, comprehensive, uninsured/underinsured motorist, accessory, roadside assistance, and medical payments coverage for motorcycles. Liability coverage pays for damage or injuries to others in an accident you cause. Collision covers damage to your own bike. Comprehensive protects against events like theft, vandalism or natural disasters. You can choose coverage limits and deductibles to fit your needs.
4. How much does USAA motorcycle insurance cost?
Motorcycle insurance rates vary depending on factors like:
The type of bike you own
Your age, experience, and driving history
The coverage limits and deductibles you choose
Where you live
Discounts you may qualify for
On average, motorcycle insurance through USAA typically ranges from $200 to $500 per year. The best way to get an accurate quote is to provide details about yourself and your motorcycle on USAA's website or by speaking with an agent.
5. Does USAA offer any discounts for motorcycle insurance?
Yes, USAA offers several discounts that can save you money on your premiums, such as:
Multi-vehicle discount: Insure your car and motorcycle together
Safe driver discount: For those with a clean driving record
Anti-theft device discount: For having an alarm or GPS on your bike
Safety course discount: For completing a motorcycle safety training course
Be sure to ask about any discounts you may be eligible for to get the most affordable rate possible for your motorcycle insurance.
