Motorcycle Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Motorcycle Insurance Information
Motorcycle Insurance in Illinois
PA Skarr, INC. is honored to be the preferred option for personalized insurance benefits in the area. Unlike large, intimidating insurance companies, we strive to deliver our clients a simple and easy experience as we assist you in selecting customized, affordable benefits that will always be there when you need them. Our goal is for every client to walk out our doors with the satisfaction of having premier coverage to keep them safe in their day-to-day life.
Motorcycle insurance is crucial for any bike owner to help make certain they are protected from any obstacles that may come their way. If a rider is involved in an event of unexpected loss or damage, motorcycle insurance helps cover expenses that may occur.
To receive your own customized motorcycle insurance policy, call us at or request your free quote now!
Common Motorcycle Insurance Questions
What is motorcycle insurance?
A motorcycle is a motorized vehicle that is at risk of experiencing the same accident and operational hazards as any other vehicle. Yet, this risk is higher in comparison to that of a standard car or truck. Motorcycles have two wheels and require a specified skill set to operate. They also don’t offer riders the same level of security as standard automobiles do.
Due to this, it is critical for bikers to acquire personalized insurance coverage that may not be available within standard auto insurance plans. Motorcycle Insurance allows for owners to receive necessary protection to keep themselves and their vehicle protected in case of unexpected loss.
Why do you need motorcycle insurance?
Under the standard motorcycle insurance policy, you will get the assurance of financial assistance if you ever experience an unexpected, unpreventable loss involving your bike. This coverage will assist in paying for accident damage, settlements and other obstacles that may come your way. Whether you are on the road or parked on your driveway, this coverage will save you money and reduce potential personal losses.
What does motorcycle insurance cover?
Motorcycle insurance includes a large array of benefits, which offer you protection against any obstacle you may encounter:
Comprehensive coverage: This provides compensation if the motorcycle is damaged or lost due to fire, theft, vandalism, hail or wind.
Collision coverage: This provides compensation if the motorcycle is damaged or lost due to a collision with another vehicle or object.
Liability insurance: This covers bodily injury and property damage the insured biker may cause to others (IE other drivers) when they are at fault for an accident whenoperating the vehicle.
Personal Injury Protection (PIP): This insurance helps with medical expenses for the driver and their passengers in case of an accident, no matter who is atfault.
Guest passenger liability insurance: This coverage steps in if a guest driver causes an accident while operating the motorcycle with the owner’s permission.
Uninsured/underinsured motorist insurance: This insurance steps in if the insured vehicle is involved in an accident with a driver not carrying insurance.
Other benefits that might be available to you include:
Am I required to buy motorcycle insurance?
In Illinois motorcycle insurance is required, and you must carry at least the following coverage.
You are in compliance with the law if you have liability insurance in the following minimum amounts:
$25,000 for injury or death of one person in an accident.
$50,000 for injury or death of more than one person in an accident.
$20,000 for damage to property of another person.
It may be required for bikers who have financed their bikes to purchase collision, comprehensive, gap or other physical damage insurance in agreement with lender rules.
It is encouraged for you to seek additional coverage beyond that of the lowest level on your policy, and we pledge to assist you in determining which level of coverage best suits you.
What does motorcycle insurance cost?
Various factor can impact the price of your motorcycle policy, including:
Your chosen coverage limits
The value of your bike
Your driving accident history
Your history of claims on other motorcycle policies
It may be viable for two bikers to receive the same policies yet pay contrasting prices for them. However, we consistently search our carrier network to assure that you receive the policy that offers you the most reasonable price for the level for the benefits you desire.