Motorcycle Insurance

Carroll Steele Insurance provides the best available selection of insurance products from over 35 insurance companies- including Motorcycle Insurance. Having such a large selection enables us to provide a variety of insurance products, discounts and programs specific to our customers life style and needs.

Now that you have found the bike for you, it's time to get it insured. But, before you call just any insurance agent you will want to learn how the insurance company decides your rate.

By educating yourself on how the insurance company will view you, you can find the best insurance coverage for you and your bike while at the same time saving money. First, to find the best and cheapest motorcycle insurance you must understand how the insurance company will rate you:

1. Your Bike: If you have the latest and flashiest bike, that will cost you more than an older, basic motorcycle.

2. Your Age: As with auto insurance, usually the older you are the cheaper your rates will be. But, if you are new to operating motorcycles you will probably be in a higher rate category until you gain some riding experience.

3. Your Address: Sometimes the high insurance rates you receive can be greatly influenced by where you live. If you live and/or regularly drive in a high crime or high accident area, your rates will likely be higher than someone in a zip code with less crime and accidents.

4. Your Driving History: All accidents count. Even if you are new to a motorcycle, the accidents you had in your automobile will count against you. Therefore, the cleaner your driving record, the cheaper your insurance will be.

5. Your Job: Where you are driving to and parking your bike will influence your rate. If you have to keep your bike parked on a construction site, you insurance may be increased due to the increased risk of injury to your bike.

Coverage

Description

Bodily Injury Liability

Applies to injuries you, the designated driver or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else's car with their permission. Liability insurance protects you from serious financial loss if you are sued stemming from a serious accident.

Protect Your Financial Health! Consider buying more than the state-required minimum to protect assets such as your home and savings.

Personal Injury Protection (PIP)

OPTIONAL FOR MOTORCYCLES. Pays for the treatment of injuries to the driver and passengers of the policyholder's vehicle. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

Property Damage Liability

Pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else's car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

Collision

Pays for damage to your car resulting from a collision with another car, or object. Collision coverage is generally sold with a deductible of $250 to $1,000-the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible.

Comprehensive

Reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. Comprehensive insurance is usually sold with a $100 to $300 deductible. Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

Money Saver: Opt for a higher Comprehensive deductible and save!

Uninsured and Underinsured Motorist

This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

We have access to over 200 insurance companies each providing their own exclusive credits and discounts. One more example how Carroll Steele Insurance is providing the best in product selection and service. Check the list below to see what credits and discounts we can provide you.

ITEM

Discount %

Description

Multi Policy Account Credit

15%

Discount if both auto and homeowners policies (Home, renters or condo) are written by Carroll K Steele Insurance Agency.

Annual Mileage

Up to 13%

Under 2,000 miles | 13% discount (Class 15, 10%)
2,001 - 5,000 miles | 11% discount (Class 15, 10%)
5,001 - 8,000 miles | 8% discount (Class 15, 5%)
8,001 - 10,000 miles | 5% discount (Class 15, 0%)

Experienced Driver

Up to 10%

2.5% discount | 1-2 yrs experience
5% discount | 5-6 yrs experience
Increases .05% every year up to 10% beginning at 11 yrs experience

Driver Training Credit

Discount is in addition to 10% AIB credit
5% credit for drivers of 0-6 years with a successful completion of a State approved basic Drivers' Education program.

Our Quote form provides a place to select all of these discounts and credits. Request a Quote to find out how much you can save on your auto insurance and other insurance needs with Carroll Steele Insurance.

For your convenience we provide 3 different ways to request a quote. Select which is easier for you.

Online Quote Form

Request a quote using our online quote form. It takes on average about 10 minutes to complete.

Fax or Mail Us Your Current Policy

Fax or Mail us your current policy and we'll provide you a quote. No need to fill out an online quote form- It's simple and quick! Click the button below to download and print our fax / mail cover sheet.

eMail Us Your Current Policy

Everything we need to know is within your current policy declaration page. Simply email us a copy and we'll email back a quote.

Basic insurance policy coverage's vary with each insurance company. The above information is offered as a general summary of the most common coverages offered on a typical Massachusetts insurance policy and may not include all coverage's or complete details of all coverages that may be available. To determine the best coverage and policy for you and for a complete understanding of coverage's available please give us a call @ 1.800.570.9697, or email us- we are here to help you for all your insurance needs.