Hello! I'm Dan Lyles with Lyles Insurance. In this video, we're going to discuss Progressive Motorcycle Insurance, and what sets Progressive apart from other motorcycle insurance companies.
Progressive is number one in motorcycle insurance sales. Roughly one in every three motorcycle insurance policies is insured with progressive. Two major reasons for that. Number one is low rates. They have low prices to begin with. Plus with the opportunity for discounts, they get even lower. And the second is specialized coverage offers. Progressive offers extra coverage options not offered by other companies.
Progressive has a broad acceptance in the types of bikes they will insure. That includes cruisers, tourings, sport or performance bikes, trikes, dirt bikes, mopeds, ATVs and UTVs, custom bikes as long as they're not souped up or modified, and also classic or antique bikes.
Just like all motorcycle insurance policies, Progressive also offers all your basic coverages: which is liability, uninsured motorist, medical payments, comprehensive and collision coverages. But what sets them apart again are the secondary optional coverages that are not found on many motorcycle insurance policies. Let's get into those.
As far as specialty coverages, if you have comprehensive and collision coverage on at least one of your bikes, you get free accessory coverage up to $3000 worth. And the ability to purchase more if you need. Same goes for safety riding apparel coverage. You get free coverage up to $500 with the option to purchase more. Safety riding apparel are things like helmet, eyewear, jacket, things like that. And also, they offer enhanced injury protection in case of income loss or a death benefit from a covered accident.
Other specialty coverages include carried contents coverage, which covers items you take on your bike such as hunting, camping or other equipment that’s associated with touring. And most bikes get hauled via trailer. Progressive offers very low prices for trailer coverage. So if you haul your bike, you definitely want to check out the price for trailer coverage. It’s very inexpensive. And also, it's worth taking a look at for roadside assistance and trip interruption coverage. Both offer very low price for the coverage offered.
Now I want to go over some of Progressive’s discounts that I mentioned earlier. You get a nice discount if you're a homeowner. You get a nice discount if you have prior coverage with another motorcycle insurance policy. You get a nice discount if you can pay your policy in full upfront for the whole year. Other discounts include multi-vehicle, for those of you who have more than one bike to insure. Multi-policy discount, if you have another valid active policy with Progressive. Your bike can also earn discounts if they have anti-lock brakes or a LoJack installed. And drivers can earn a discount if they have a valid motorcycle license or an endorsement on their drivers license. And finally, advance quote. If you get a quote for a policy that's going to start in the near future, for each day you get a little bit bigger of a discount.
So I hope you've enjoyed watching this video, and now you have a better understanding of why Progressive is the number one motorcycle insurer. If you'd like for me to personally run you a quote, if you live in Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia, I will be happy to run a quote for you. I've posted a link to my website where you can get a quote. And if you'd rather just give me a call and quote over the phone, I've also posted my phone number. Thank you for watching and have a great day!
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..