Is Nationwide motorcycle insurance right for you?

If you’re about to get a motorcycle for the first time or simply exploring your options, you’ll want to get insurance quotes. Remember that car insurance does not automatically cover motorcycles, so you should shop with multiple local companies to find the cheapest motorcycle insurance rates near you. 

With so many auto insurance companies to choose from, you may wonder if Nationwide motorcycle insurance is right for you.

This guide discusses the details of Nationwide motorcycle insurance, including the types of bikes and motorcycles it covers and the discounts available to motorcycle riders and clubs.

What types of motorcycles does Nationwide insure?

Nationwide tailors products according to your needs and the type of bike you own.

For example, Nationwide can add an OEM endorsement to your policy when you buy a new or like-new motorcycle, ensuring that you get new parts from the original equipment manufacturer. If new parts are unavailable, the company will pay you an amount based on the fair market value of that OEM part instead.

If you have an antique vintage motorcycle, talk with Nationwide about classic motorcycle insurance. This can cover your bike up to $30,000.

If you only plan to use your bike off-road, you should still get insurance to protect against damage. In this case, Nationwide motorcycle insurance can extend to include extreme sports and provide collision, comprehensive, bodily injury, personal property, and medical payment protection.

When back on the blacktop, ask Nationwide about coverage for sport bikes or touring motorcycles. Some states may require you to carry moped car insurance, and Nationwide can also help you with this. 

If you need coverage for additional items such as two-way radio and GPS, you may be able to blend insurance for a motorcycle like this with Nationwide homeowners content coverage.

Can you get motorcycle insurance discounts with Nationwide?

Nationwide seeks to attract motorcycle riders by offering various discounts. You may be eligible for:

• Multi-vehicle. If you have another car,  boat, or ATV, bundle these together for a saving. 
• Multi-policy. Why not combine this coverage with home or life policies?
• Theft recovery device. Get a GPS recovery system or professionally installed radio to save money on your comprehensive coverage.
• Anti-lock brakes. You need a factory-installed ABS to get this discount.
• Full payment. Pay your entire premium in full at the outset to get this discount.
• Association membership. You may qualify for another discount if you’re a member of an owners’ group or other riding association.

Nationwide insures many types of motorcycles and offers a range of discounts for riders. So it’s worth your time to consider using Nationwide while shopping around for various quotes.

What issues influence Nationwide motorcycle insurance quotes?

Insurance underwriters take many factors into account when determining motorcycle insurance rates. When it comes to the machine itself, they need to know the vehicle type, age, make/model, and engine size. Companies also want to know how you intend to use the vehicle and whether it has any modifications or conversions.

The company will also gather crucial details about you, including your age, ZIP Code, driving history, and credit score. Your rates will also vary depending on the deductible and policy coverages you choose.  In most states, you will need a minimum liability policy but should always consider comprehensive and collision to protect the value of your investment.

Should I buy Nationwide insurance for my motorcycle?

Nationwide is one of the biggest motorcycle insurance companies in America and has an excellent reputation and financial strength. The company offers a range of products to suit the type of bike and the way you want to use it. You may also be able to pick from a variety of discounts.

However, all of the major insurance companies provide coverage for motorcycle riders and may offer different rates and discounts. You should shop around with at least three different companies to see which insurer suits you best.