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Is Allstate Motorcycle Insurance Really Beneficial? ( Review 2023)

Allstate is a traditional insurer that offers a variety of products, such as motorcycle insurance. It has been in business since 1931, therefore being well-established and capable of paying its claims. You must purchase your policy thru an Allstate agent, which will be beneficial to some and detrimental to others. If you want to buy your policy quickly and get on with your life, Allstate isn’t the best option.

Allstate may be a good option if you prefer a more traditional approach to insurance. This is especially true if you have other Allstate policies and want to take advantage of the multipolicy discounts.

Options for Allstate Motorcycle Insurance Coverage

Options for Allstate Motorcycle Insurance Coverage
Options for Allstate Motorcycle Insurance Coverage

Allstate provides a variety of detailed motorcycle coverage options.

  • Bodily injury liability insurance: This insurance includes the medical expenses of others if you are found to be at fault in an accident. It should be noted that this does not cover your own medical expenses if you are injured.
  • Property damage liability: If you are determined to have been negligent in an accident, this coverage helps to cover damage to other people’s property, such as their vehicles, homes, fences, and other structures. This does not cover motorcycle damage. In most states, you must have both kinds of liability insurance.
  • Medical payments coverage: This pays for medical expenses incurred by you or your passengers.
  • Personal injury protection pays for medical expenses incurred by you and your passengers, as well as other costs such as lost wages. Some states also require medical payments coverage or personal injury protection.
  • Uninsured/underinsured motorist coverage: This pays for expenses if you are in an accident with an uninsured as well as underinsured driver. This includes hit-and-run collisions. Some states also require this coverage.
  • Collision coverage: This protects your motorcycle in the event of an accident.
  • Comprehensive coverage: This provides cover to your motorcycle that is not the result of an accident. It covers losses caused by fire, theft, vandalism, wind, and other causes.
  • Towing & labor coverage: This coverage can assist you with the expense of towing your bike whether it breaks down or if you are involved in an accident.
  • Rental reimbursement coverage: if you require a vehicle while your bike is being repaired, this coverage will assist you in renting one.
  • Transport trailer coverage: If you transport your bike with a trailer, this coverage is worth consideration. It assists with trailer damage caused by accidents, rollovers, vandalism, and other factors.
  • Gap coverage: If you fund your vehicle and it is totaled, this coverage pays the difference between the vehicle’s value and what you owe on your lease as well as the loan.
  • Additional equipment coverage: Allstate contains $1,000 in coverage for sizes, with up to $30,000 in extended insurance available.

Riders and Allstate Motorcycle Insurance Add-Ons

Allstate also offers a few options for upgrades. The Rider Protection Package is one example. It doesn’t go into great detail about the coverage, but it mentions death as well as dismemberment coverage along with cash benefits in the case of an injury.

Additionally, it provides New Motorcycle Extended Protection. Again, there aren’t many specifics, but it does state that it “gives you a new bike” if your new motorbike is totaled.

It also includes a First Accident Waiver, which implies your premium will not rise as a result of your first accident. While this appears to be a good thing on the surface, the waiver requirements are quite stringent. Your policy, for example, must be at least 48 months old. You are also not allowed to be charged with any significant traffic violations related to the accident.

Pricing for Allstate Motorcycle Insurance

Pricing for Allstate Motorcycle Insurance
Pricing for Allstate Motorcycle Insurance

Prices for Allstate motorcycle insurance are not publicly available. This makes sense because quotes are personalized for each individual. The expense of your insurance coverage is determined by your age, where you live, your riding experience, the kind of bike you ride, how frequently you ride, and other factors.

Discounts on Allstate Motorcycle Insurance

Allstate provides the discounts that most insurance companies provide. It takes 60 months (5 years) to earn its Good Rider Discount, which can save you money if you go that long without more than a minor infraction. You will receive a discount if you switch from some other insurance company to Allstate. You also get discounts on:

  • Allstate Multi-policy discount for insuring multiple motorcycles
  • Discount for Good Riders
  • Discount on policy transfer when switching from some other provider
  • If you shift coverage more than 7 days already when your current policy expires, you will receive an early signing discount.
  • Belonging to a riding club, such as the Harley Owners Group or the Honda Riders Club of America
  • Taking a motorcycle safety course and passing it
  • Creating automatic payments
  • Making a full payment

Overall Score for Allstate Motorcycle Insurance

If you want comprehensive coverage with a variety of discounts, Allstate is a good option, especially if you have other kinds of coverage with them. If you prefer to work with an agent, Allstate is your best option. Allstate is a well-known company with excellent financial ratings. Allstate also provides other insurance lines, such as home and life insurance, so you can have various policies in one place. Additionally, you may be able to obtain discounts for bundling coverage.

One Comment

  1. Thank you for the auspicious writeup. It in fact was a amusement account it. Look advanced to more added agreeable from you! By the way, how could we communicate?

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