Motorcycle/Motorhome/RV/ ATV/Trailer/Segway Insurance

From D.O.K. Insurance Agency

Motorcycle/Motorhome/RV/ATV/Trailer/Segway Insurance

We write insurance for any personal vehicles in Arizona, California, Colorado, Idaho, North Dakota, Oregon, Washington and Texas and we represent a number of different insurance companies in each state.

Because these types of vehicles aren’t used as often, there is no law forcing you to carry insurance, or the value of some vehicles are relatively low, insuring them can be an afterthought.

Even though insuring your personal leisure type vehicles is fairly simple and inexpensive, we constantly see mistakes that are made by either agents or consumers.

IMPORTANT THINGS TO CONSIDER WHEN INSURING RECREATIONAL VEHICLES

Not Insuring Your Motorcycle Or Similar Vehicles

While it is true that motorcycles, ATVs, Snowmobiles, and similar vehicles usually cannot do a lot of damage to others, there are plenty of reasons to carry insurance. Ask yourself if the following could be a concern:

  • If I have a passenger that gets injured in an accident, can my insurance protect me and my passenger?
  • Is it worth it to insure the vehicle against theft and physical damage?
  • If I get injured, am I well covered through my health insurance? Click here to help you decide. (link to FAQ-PIP)
  • What are the risks of letting someone else ride my vehicles?

Don’t Leave Out Uninsured Motorist:

You just received a quote for your used motorcycle that cost you $2,000. You decide to self-insure the damage to the motorcycle hence leaving off comprehensive and collision coverage. You see a premium of $60 for liability for the year and are shocked to see an insured motorist premium of $240. Five dollars per month sounds a lot better and you don’t think it’s worth spending an extra $15 per month to insure the damages to your motorcycle. What a lot of motorcyclists don’t realize is that their biggest risk is falling victim to a phantom driver, meaning that someone, for example, changed into their lane without seeing them and to avoid an accident, the motorcyclists swerves out of the way and loses control of the bike and ends up sustaining life-threatening injuries. There is a reason why insurance companies charge so much for uninsured motorist coverage.

According to the U.S. National Highway Traffic Safety Administration (NHTSA), in 2006, 13.10 cars out of 100,000 ended up in fatal crashes. The rate for motorcycles is 72.34 per 100,000 registered motorcycles… Per vehicle mile traveled, motorcyclists’ risk of a fatal crash is 35 times greater than a passenger car.

Don’t Forget About Custom Parts:

A lot of recreational vehicles, especially motorcycles, have custom parts added by dealerships and other third parties. Your standard insurance policy may only cover a small amount or nothing at all for customization unless you specifically add it.

Click here for more information

Only Looking At Your Current Insurance Provider For Insuring All Your Vehicles::

It is true, combining your auto and home insurance policies usually provides great discounts on both ends. However, that is often not the case when looking to insure your motorcycle, RV, ATV or other recreational vehicle. There are certain companies that a simply a better fit for your powersport vehicle compared to your current auto insurance company.

When we review your insurance policies, you can expect us to look beyond the common auto and home combo to make sure all your insurance needs are taken care of the best way possible.

Every person is unique – talk to us today to find out how to get the best price and value on your car insurance for you.

Get a Free Motorcycle or Recreational Vehicle Insurance Quote

INSURANCE PARTNERS

I love the efficiency of your service! Thanks for your help when I needed that quick fix. You both are amazing!
Abyssinia Washington
Abyssinia Washington
2018-04-23T17:50:05+0000
Dom is fantastic. Valuable knowledge. If you’re looking for someone in the insurance world who actually cares, you found it.
Cody Perino
Cody Perino
2017-12-14T06:05:00+0000
Family business done right. Excellent personal service.
Thomas OKeefe
Thomas OKeefe
2017-08-21T17:24:51+0000
I have been with his agency for a few years now. My experience has been nothing but excellent. I have not only saved tons of money, but only received great service as Dominik is prompt, professional and thorough.
TC Wu
TC Wu
2015-11-20T20:44:05+0000
Always finds me the best rates. Great service! Very responsive.
Brian C Meadows
Brian C Meadows
2015-05-06T04:31:14+0000
Great service and easy to work with!
Mark Lindeman
Mark Lindeman
2013-12-13T04:39:16+0000
Denise Murrell
Denise Murrell
2013-12-03T03:14:03+0000
Andrea Lindeman
Andrea Lindeman
2013-11-27T03:49:31+0000
Kornelia Kłos
Kornelia Kłos
2013-07-22T12:09:47+0000
When my home buyers need insurance, I always send them to Dominik!
Jay Silver
Jay Silver
2013-07-18T18:39:41+0000

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