Almost every state in the U.S. requires you to have some form of insurance for your ride if you’re a motorcyclist. You might be putting yourself at legal and financial risk if you ride without motorcycle insurance. There are a number of quality insurance providers that offer affordable coverage for motorcycles.
We’re taking a look at Allstate, one of the largest insurance providers in the country. We’ll show you both the benefits and drawbacks of choosing an Allstate policy and we’ll help you decide if Allstate’s motorcycle insurance is right for you.
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Who’s Allstate Motorcycle Insurance for?
You could be a good match for Allstate if you:
- Already have an insurance policy through Allstate
- Have trouble finding an in-state insurance provider
- Value responsive customer service reps
- Want a variety of claims filing options
- Value discounts and want to work with a company that offers savings
Allstate Motorcycle Insurance Policy Types
Every state requires 2 types of coverage:
- Bodily injury liability coverage: Bodily injury liability coverage compensates anyone you injure in a collision. Every state requires a minimum amount of bodily injury liability coverage per person and per accident.
- Property damage liability coverage: Property damage liability coverage compensates anyone whose property you destroy or damage during an accident.
Motorcycle insurance companies offer policies with varying levels of coverage. The amount of coverage you’ll need to have varies by state. In Alabama, for example, you must have at least $50,000 worth of bodily injury liability coverage per person, $100,000 per accident and $25,000 in property damage liability coverage. You’ll only need to carry $15,000 worth of bodily injury liability coverage per person, $30,000 per accident and $5,000 in property damage liability coverage in Pennsylvania.
Some states also require personal injury protection coverage, which compensates you for select medical expenses. An agent in your state can tell you the minimum coverage you need to have to stay on the road.
Every Allstate motorcycle insurance policy includes your state’s minimum liability insurance coverage and you have the option to add on additional coverages. Some of the most common additional coverage selections offered by Allstate include:
- Collision coverage compensates you for damage done to your motorcycle after an accident.
- Comprehensive coverage compensates you for damage done to your motorcycle outside of an accident, like damage from animals, hail, fire and theft.
- Uninsured motorist coverage compensates you if you’re involved in an accident with a driver who’s illegally on the road without insurance.
Allstate Motorcycle Insurance Policy Options
Allstate also offers a number of other optional add-ons that you can apply to your motorcycle insurance policy:
- Towing and labor coverage: You are reimbursed for towing expenses if your motorcycle breaks down or you get into an accident, and it’s free of charge for certain types of motorcycles (including Harley-Davidson and luxury touring bikes).
- Rental reimbursement: You’ll be compensated if you rent a bike while yours is stolen or being repaired.
- Trailer coverage: You are covered for damage incurred to any trailer you attach to your motorcycle, including damage from collisions, rollovers, vandalism and most natural disasters.
- Lease/loan gap coverage: This coverage pays the difference between what your motorcycle is worth and what you still owe to the financer. You must also buy collision and comprehensive coverage through Allstate.
- Optional equipment coverage: Allstate policies automatically include coverage for $1,000 in aftermarket upgrades. You can buy additional coverage for up to $30,000 if you’ve done a lot of work on your bike.
Discounts and Tips on Getting the Best Rates
Allstate offers motorcyclists a number of ways to save on its policies.
- Multiple motorcycle discount: Are you a motorcycle enthusiast with more than 1 bike to insure? Allstate offers a special discount for riders who insure more on their policy.
- Multi-policy discount: Allstate is one of the largest insurance providers in the country, and offers policies for everything from condos to automobiles. You can save up to 30% on your motorcycle insurance if you already have a policy with Allstate.
- Good Rider discount: Have you gone at least 60 months without a motorcycle accident or traffic violation? If so, you can save up to 10% on your policy.
- Transfer discount: Save up to 10% when you switch from a competing motorcycle insurance provider to Allstate.
- Motorcycle organization discount: You can save up to 10% on your state minimum insurance if you’re a member of a motorcycle club or organization like the American Motorcycle Association, Harley Owners Group or Honda Riders Club of America.
- Motorcycle safety course discount: Save 5% on your Allstate motorcycle insurance policy when you pass a motorcycle safety course. You must renew your education every 36 months to keep your discount.
The best way to save on your motorcycle insurance policy is to keep your driving record clear. If you have a long history of safe behavior on the road, you’re a less risky rider in the eyes of insurance agents. Follow local traffic laws, obey the posted speed limits and avoid on-the-road distractions to enjoy safer rides — and savings on your insurance.
Allstate offers 2 customer service contact methods:
- Email agents through Allstate’s online messaging form.
- Contact agents by phone at 877-810-2920, available 24/7 for both claims reporting and general inquiries.
Knowing what you can expect if you need to file a claim can ease your mind during a particularly stressful situation. The following steps are typical of the Allstate claim process:
- You file your claim. You can file a claim online, with your Allstate agent or through the Allstate app. Simply follow the steps provided to let your agent know what happened and upload any relevant photos and supporting documents if necessary. Your agent will provide you with a claim number you can use to track your status after you file your claim.
- Allstate investigates your claim. Allstate will review the details of your claim and determine whether your insurance covers the damage. A professional will evaluate your damage and determine the next best steps for your claim.
- Allstate sends an estimate. An agent will contact you to discuss your settlement after Allstate finishes investigating your claim. Your agent will also confirm your payment method if your claim is covered and answer any questions you have.
Allstate’s claims process is clearly laid out on its website.
Pricing and Value
The specific amount that you’ll pay for motorcycle insurance through Allstate depends on a number of factors that include where you live, how much experience you have on the road and your driving history. In our review, Allstate quotes $499 for a 1-year policy, which is exceptionally affordable when compared to other insurance providers.
Reviews for Allstate’s motorcycle coverage are overwhelmingly positive. Allstate holds a 4 out of 5 stars on ConsumerAffairs.com. Reviews praise the company’s responsive customer service team and its detailed policy explanations. Some reviewers claim they are quoted a higher price for motorcycle coverage compared to other providers and most customers have found affordable insurance through Allstate.
Is Allstate the Best Coverage for You?
Allstate’s motorcycle insurance packages are impressive and boast a range of coverage options. The company offers more discounts than many competing companies and you can save 30% when you already have an Allstate policy. Accessory insurance beyond trailer coverage is not included and its claims policy is clear and straightforward.
Stellar customer reviews, affordable policies and comprehensive policy choices prove that Allstate’s motorcycle insurance is hard to beat.