Nashville & Brentwood Motorcycle Insurance

Montgomery & Associates Insurance Agency

Vehicle insurance goes beyond your car or truck. If you love exploring Tennessee on a motorcycle, you need to be sure to have that insured as well. Motorcycle insurance coverage can protect you from liability and provide coverage for injuries and damage in the case of an accident.

At Montgomery & Associates, we understand that you might need different types of insurance to cover a range of vehicles, so we offer Brentwood and Murfreesboro motorcycle insurance coverage and other specialty insurance. Call us today at (615) 829-8457 to learn more about your options.

Motorcycle Coverage Options

You can choose motorcycle insurance plans yourself and sign up through an agent or directly with a carrier, but there are certain benefits of working with an independent insurance brokerage like Montgomery & Associates.

As an independent insurance brokerage, here’s what we can do for you:

• We have access to a wide variety of insurance carriers and plans, including ones you can’t sign up for directly with the carrier.
• We don’t have a vested interest in you choosing a certain carrier, so you can pick from many options.
• We can assess your personal situation to determine your specific insurance needs.
• We’ll show you a wide variety of plans to help you choose the one that fits your needs and your budget.
• We make sure you get enough coverage but not too much.
• We ensure that you meet insurance law minimums.
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Mandatory Tennessee State Motorcycle Insurance Requirements

What are the Tennessee motorcycle insurance requirements?

In Tennessee, you must meet minimum liability coverage of $30,000/$60,000/$15,000.

This means you must have the following coverages when operating a motorcycle not on private property:

1. $15,000 for property damage

2. $60, 000 for death or bodily injury to two or more people in an accident

3. $30,000 for death or bodily injury to a single person in an accident

This means that your insurance plan might cover you for up to $30,000 per person for bodily injury up to $60,000 total and cover as much as $15,000 for property damage.

Is the Tennessee required coverage for motorcycle insurance enough to protect you in the case of an accident?

No, it is not sufficient in most cases.  Depending on the value of your motorcycle and your assets you wish to protect, you will want to consider these motorcycle coverages:

Collision
Additional Liability
Comprehensive
Additional Bodily Injury
Uninsured Motorist

 

How to Decide Which Insurance Coverage you Need

Your insurance agent can help you through this process. Things to consider are your current and anticipated assets, your risk tolerance, your current vehicles owned, home or property owned, and family members who may drive the motorcycle.

 

Which motorcycles are the most expensive to insure?

Typically the most expensive motorcycles to insure are sports bikes and collectible bikes.

 

Here are the most expensive motorcycles to insure:

BMW S100RR

Ducati Sports Bikes

Harley Sportster

Harley Davidson Street 750

Honda Africa Twin

This minimum amount of coverage will not be enough to cover you in every situation. You might also want to add collision insurance so you could repair your motorcycle, uninsured/underinsured motorist insurance in case the person you get in an accident with doesn’t have insurance or doesn’t have enough, or comprehensive insurance for repairs from other causes than an accident. You could also add medical payments coverage to take care of medical expenses from an accident.

At Montgomery & Associates motorcycle insurance agency, we can provide a motorcycle insurance broker to determine the type and amount of coverage you should choose based on your needs and preferences.

Which insurance companies are the best in motorcycle insurance?

Progressive Insurance
Safeco Insurance
Nationwide Insurance

Local Insurance Company

You have your choice of motorcycle insurance companies in the Nashville area, so why should you choose Montgomery & Associates? At our local office, we provide a personalized touch. We don’t think that you should choose a cookie cutter plan; instead, we want to help you get customized insurance that fits your life. We create action plans to handle your particular risks, so we can ensure that you’re protected. And every so often, we’ll reassess to make sure your insurance is still working for you.

Since we’re an independent agency, we won’t encourage you to choose a certain brand or policy. Instead, we show you your options and help you choose. You can trust the guidance of your Montgomery & Associates motorcycle insurance agent and meet with us in our Brentwood or Murfreesboro, TN office. All of our staff members, headed by our agency principal Will Montgomery, are experienced industry professionals.

Free Motorcycle Insurance Quote?

If you need a motorcycle insurance quote in Brentwood or Murfreesboro, call us today at (615) 829-8457 or fill out our website form. One of our agents will be happy to help you get the insurance policy you need at a price you can afford. We work with a number of carriers and can offer you the best rates and coverage by shopping the market for you. We can provide quotes in any Tennessee city.