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319 E. Main St.
Brownsburg, IN 46112

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Tips for Selecting the Right Motorcycle Insurance Coverage

The next step after purchasing your motorcycle is protecting your new investment with motorcycle insurance. Insurance protects you, your motorcycle, and others from accidental injuries or damage on the road. These tips from Grove Insurance Agency in Brownsburg, IN, can help you make informed decisions about the coverage you buy. 

1. Research your coverage options to learn the protection motorcycle insurance provides. Then, you can determine what coverage best meets your needs. Most policies offer liability, collision, and comprehensive coverage, among others. Liability is required in Indiana to protect the interests of others in accidents you cause. Collision and comprehensive insurance protect your motorcycle from theft, collision damage, fire, animal strikes, and other disasters.

2. When choosing the type and amount of coverage, consider the value of your bike, where and when you ride, and your risks of injury or damage. Your Grove Insurance agent can help you tailor your policy to provide the protection you need.

3. Compare policies for content and price. Comparison shopping for motorcycle insurance can save you money in the long run. Just beware of compromising quality for price, as the cheapest policy may not provide adequate protection. It is possible to get quality insurance coverage at an affordable cost.

4.  Choose a reputable insurance provider to avoid problems when making a claim. A trustworthy insurer will help expedite the claims process rather than impede it.

5. Choose a policy with premiums you can afford so you don’t put undue stress on your finances. At the same time, make sure you get adequate coverage to avoid paying too much out of pocket in the event of an accident.

For quality motorcycle coverage at a reasonable cost, see your Grove Insurance Agency agent in Brownsburg, IN.

Will Motorcycle Insurance Replace a Stolen Motorcycle?

At Grove Insurance Agency in Brownsburg, IN, we see that it’s hard to figure out how you’ll come up with funds to replace your investment if your motorcycle is stolen. Without your motorcycle in your life, you’re probably itching to get out on the open road and feel that level of freedom again. Since life without a motorcycle can feel stifling, it’s best to look into all your options.

Will Motorcycle Insurance Replace a Stolen Motorcycle?

While there are several ways to pay for a new motorcycle like financing it through a loan, getting a payment plan, or using savings to cover the costs of the new vehicle, you may want to see if your insurance offers motorcycle replacement for a stolen bike before you shell out your hard-earned cash for it. After all, payment plans can be a hassle, and motorcycles typically aren’t cheap. Even a used motorcycle could cost you a pretty penny, so it’s wise to do some digging before you put money into it. 

Although every insurance policy has terms and conditions that vary, some types of motorcycle insurance policies will cover all or part of the expenses associated with replacing your motorcycle. Typically, these policies will have limits on how much they can cover. If you don’t know if your motorcycle insurance policy covers a stolen motorcycle, you can speak with one of our insurance professionals to review the terms and limits of your specific policy. If your policy doesn’t offer coverage for a stolen motorcycle and that’s important to you, it may be time to look into increasing your level of coverage to plan for this kind of unexpected emergency.

We Are Here To Help

For more information on our motorcycle insurance policies, call us at Grove Insurance Agency in Brownsburg, IN today.

Is motorcycle insurance in Indiana necessary?

Those residing in the Brownsburg, IN area will find that it is a great place to live. When you do live in this part of the state, having a motorcycle can be a fun way to get around. With a motorcycle, you will have an efficient ride that can be enjoyable when the weather is nice. If you are going to get a motorcycle, you also need insurance. It is necessary here for various reasons. 

Why Motorcycle Insurance?

Comply with Standards

A good reason for anyone to have motorcycle insurance is so they can comply with standards. If you are going to purchase and use a motorcycle, motorcycle insurance is needed so you can comply with the state’s liability insurance requirements. When you get motorcycle insurance, you can also stay in good standing with any loan agreement you signed, which likely included a requirement for you to maintain coverage until you have completed paid off the loan. Not having this coverage could result in penalization. 

Financial Support

It would also be wise for you to get motorcycle insurance so you can receive financial support. A motorcycle insurance plan protects you in various ways. This includes providing the financial support you need if your motorcycle is damaged or stolen and helping to cover any liability damages you may incur. Ultimately, this provides valuable coverage and can offer you peace of mind that you have support. 

Contact Us Today

Those in the Brownsburg, IN area with a need for this coverage should call someone that they can rely on. Our team of insurance experts at the Grove Insurance Agency offers the support you need to assess your options and build a plan. Grove Insurance Agency takes a custom approach towards motorcycle insurance, which helps to ensure you will understand your options and build an ideal plan. 

Coverage You Can Add to the State Mandated Bike Insurance

You might come to Grove Insurance Agency to insure your motorbike or trike with the state’s required insurance but think about adding coverage to your motorcycle policy. The coverage the state government requires protects the other individuals on the road. You need to add collision, comprehensive, roadside assistance, and personal injury protection (PIP)/medical coverage to protect your vehicle and health.

In Brownsburg, IN, you can add to your motorcycle policy to protect your bike or trike.

Choose from the following coverage options:

Collision – covers repairing or replacing your vehicle when it incurs damage from an accident. The accident can involve no other vehicle or other vehicles. This covers hitting a mailbox or a deer running out in front of your car.

Comprehensive – covers repairing or replacing your motorbike when it incurs damage from a natural hazard, such as hail, fire, tornado, etc. Tree limbs that fall on it or snow/ice damage also fall into this category.

Roadside assistance – covers a tow truck to assist you when your bike breaks down on the road for any reason. If you lose your bike keys or run out of gas, you phone the dispatcher, and roadside assistance responds to your location with help.

Personal injury protection (PIP) – covers your medical care needs if you incur an accident. Also called medical coverage for motor vehicle insurance. It ensures that if you’re involved in an accident, your insurance will pay for your medical bills.

Contact Us Today

Call, email, or visit Grove Insurance Agency, serving Brownsburg, IN, for the bike policy that protects your bike, medical care, and the other drivers on the road. Let us help protect you.

Protect Yourself With Motorcycle Insurance in Brownsburg, IN

If you’ve ever been in an accident on your motorcycle, you know how important it is to have good insurance coverage. Motorcycle insurance can help pay for repairs to your bike, medical bills, and even provide income replacement if you’re unable to work after an accident.

Is Motorcycle Insurance Required in Brownsburg, IN?

Yes. Indiana law requires all motorcycle operators and passengers to have liability insurance. The minimum coverage is $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. Grove Insurance Agency representative can help you find the right amount of coverage for your needs.

What Types of Coverage Are Available?

Various coverages are available for motorcycles, including liability, comprehensive, collision, uninsured/underinsured motorist, and medical payments.

Liability insurance pays for injuries or damage you cause to others if you are at fault in an accident. Comprehensive insurance covers damages to your bike that are not caused by a collision, such as theft, fire, or vandalism. Collision coverage pays for repairs to your bike if you hit another vehicle or object.

Uninsured/underinsured motorist coverage pays for injuries and damages if the other driver is at fault and does not have insurance or if their insurance does not cover all the costs. Last, medical payments coverage pays for medical expenses incurred by an accident, even if you are not at fault.

What Should I Consider When Purchasing Motorcycle Insurance?

First, what is the value of your bike? You will want to have collision and comprehensive coverage if it is worth a lot. Second, how much liability coverage do you need? $25,000 may not be enough if you have a severe accident. Motorcycle insurance is a must if you want to be protected in the event of an accident.

It may seem daunting, but our team at Grove Insurance Agency is here to help you find the right coverage for your needs. Call us today!

Winter Rider? 5 Tips to Enjoy Your Motorcycle Year-Round

Considering becoming a ‘Rounder’ – someone who enjoys riding their motorcycle year-round? Here are five tips to make winter-time riding safer, more comfortable, and more enjoyable. 

1. Don’t dismiss comfort; it’s vital in rougher weather. 
Understand what winter looks like where you plan to ride. In Brownsburg, IN, expect snowfall and rainstorms, with winter chill dipping to the low 20s. Below freezing? Expect icy conditions, and prepare accordingly. Some gear to consider: 

  • Hands are vital. Protect them with suitable insulated, waterproof gloves that fit comfortably and leave room in the fingertips. Consider adding heated grips. 
  • Visibility is key. Wear bright colors and use a helmet breath deflector to prevent mist or condensation from interfering with visibility. 
  • Layer up. Make sure your jacket, pants, and boots are insulated, waterproof, and comfortable. Wear thick socks and give your winter boots more room than your summer pair. Keep air out by wrapping up your neck. 

2. Don’t Neglect Maintenance
In addition to topping off anti-freeze, ensuring your chain tension is good, oil levels are proper, and tires have adequate pressure, consider upgrading your tires for better winter grip. They are the two contact points for you on the road; don’t skimp on winter tires.

3. Brush Up On Winter Driving Skills
Before picking up a daily commute, get used to driving on colder roads. Get comfortable using your emergency brake, increase your distance following, and assume other drivers do not see you. 

4. Know When Not to Ride
Whether a novice or an old pro, understand your capacity on the roads. If a storm is pounding the roadway and there’s standing water, consider delaying your trip or driving a car. Likewise, black ice can be concealed beneath the snowpack. Don’t risk your life on a roadway you can’t safely navigate. 

5. Ensure Your Insurance is Adequate 
Before winter hits, reach out to Grove Insurance Agency today to discuss your motorcycle insurance coverage. While state law requires liability protections, winter riders should also consider adding comprehensive and collision coverage to cover their interests while on the road. 

4 Reasons You Need Motorcycle Insurance in Indiana

While riding a bike is fun-filled, it can be dangerous. Bikes are smaller compared to motor vehicles, making them less conspicuous to other motorists. The result? You are likely to be knocked over, and in the process, incur significant injuries. But because accidents aren’t 100 percent preventable, you need motorcycle insurance from Grove Insurance Agency of Brownsburg, IN for the below reasons.

Compliance with the law

Motorcycle insurance is mandatory in Indiana, and all riders must show proof of license before registering their motorcycle. The consequences of failing to carry motorcycle insurance are many, including fines and penalties. Besides, when you don’t have insurance, you have to pay damages and medical costs from your pocket following an accident.

Property damage coverage

If your bike is involved even in a minor accident, the damage can be significant. To this end, you need collision coverage to pay for repairs and even replacement of your bike following an accident. Additionally, theft of bikes is common given their small nature. Due to this vulnerability, comprehensive coverage becomes vital to protect your bike against non-collision perils like theft, vandalism, fire, hail, and other perils.

Medical bills coverage

When riding a bike, there isn’t much protection between you and the ground. Unlike vehicles fitted with safety features like airbags and seat belts, bikes aren’t that safe. Any accident, including minor ones, can result in significant injuries that are costly to treat.

However, when you have motorcycle insurance, medical bills from accident-related injuries are taken care of.

Liability protection

Regardless of how careful you are, you can still cause accidents resulting in property damage and bodily injury to third parties. In such unfortunate incidences, motorcycle insurance shields you from paying medical costs and property damages from your pocket.

Motorcycle insurance in Indiana

Do you need more information regarding motorcycle insurance? Please contact Grove Insurance Agency, and our agents in Brownsburg, IN will be more than happy to answer your queries. And if you are renewing or shopping for new motorcycle insurance, we are here to help.