How to Insure Your Dirt Bike?

dirt bike insurance

Let’s talk about something as significant as nailing that flawless jump—insuring your dirt bike to protects yourself and your bike.

Whether you’re a seasoned pro or just starting, knowing how to insure your dirt bike is a must!

Dirt bike insurance is like having custom-fit gear for your ride.

It’s designed to match riders’ unique needs and risks on the trails.

You have options like liability, collision, and comprehensive coverage to protect you.

Finding dirt bike insurance companies can be tricky.

But worry not! Today, I’ll share the inside scoop on how to find the best dirt bike insurance out there.

So join me as we dive into dirt bike insurance – coverage options, average costs, and foolproof steps to get the right policy for your bike!

Bonus read: How To Buy A Dirt Bike

What is dirt bike insurance?

Although motorcycle insurance has some resemblances, dirt bike insurance is specific for off-road enthusiasts. 

Think of it as a safety net.

Knowing you’re covered if the unexpected happens – accidents, theft, or damage from rough terrain – gives you peace of mind.

It also covers your liability if you accidentally damage others or their property. 

As a result, dirt bike insurance costs more than motorcycle insurance.

But investing in that protection is still a smart move you can make.

What does a dirt bike insurance cover?

Whatever situation you find yourself in with your dirt bike, your insurance has you covered.

Here are some popular coverage options in the dirt bike community: 

  • Liability coverage – usually the most budget-friendly option. It covers injuries and property damage if you’re at fault in an accident.
  • Collision coverage – financially covers for repairs or replacements after a crash
  • Comprehensive coverage – goes beyond collisions and covers theft, vandalism, and acts of nature.

How to insure your dirt bike?

Now that you’re well-acquainted with dirt bike insurance and its coverage, it’s time to take the next step and secure the best insurance for your two-wheeled companion. 

Let’s dive into five steps to find the perfect dirt bike insurance that suits your needs and budget.

1. Determine the coverage you need and your budget

When finding the right dirt bike insurance policy, we have a few things to consider:

  • Figure out what kind of riding you’re into—racing, organized events, or recreational trail riding. Different coverages and policies are tailored to each activity.
  • Determine your budget and factor in the value of your dirt bike. Higher bike value often means more coverage and higher premiums.
  • Identify what coverage matters to you. Are you concerned about theft, damage, medical expenses, or liability coverage?

2. Research dirt bike insurance providers

The number of companies offering dirt bike insurance is scarce compared to motorcycle insurance companies, so you must dig deep to find the best ones.

Here are tried-and-tested methods to find dirt bike insurance companies:

  • Google search. Start by typing in keywords like “dirt bike insurance” or “off-road bike insurance.” You can add your location for more targeted results. Scan the Google results, and remember to read customer reviews to gauge their reputation and customer service.
  • Online dirt bike forums. If Google doesn’t do the trick, turn to online dirt bike forums like ThumperTalk and Dirt Bike Addicts. Ask fellow riders for their recommendations and experiences about getting bike insurance. 
  • Local rider network. Talk to riders in your area, ask about their insurance experiences, and see if they know any agents or brokers specializing in dirt bike insurance. 

3. Get a quote

Now that you’ve done your homework and shortlisted some dirt bike insurance providers, it’s time to get those quotes. Here’s how to get a quote for your dirt bike insurance policy:

  • Fill up a form online or email the company. 

Head to the websites of the insurance companies you’re interested in and fill up a form with your details.

If you can’t find a form on their site, you can email the company directly requesting a quote.

  • Call the company.

Call the insurance company’s customer service number to talk to a real person.

Their agents can provide more details, ask questions, and give you a quote over the phone.

  • Reach out to an insurance agent or broker.

Agents and brokers are your best shot at finding your way around insurance’s confusing systems, getting advice and support throughout your application process, and even negotiating better rates. 

4. Compare quotes

Once you have quotes from different dirt bike insurance companies, you can compare each quote to see which fits your budget but still provides the most value. 

When comparing these quotes, look for a few key factors:

  1. Coverage – look closely at each policy’s coverage limits and exclusions to see if they align with your needs. Remember to check if off-road riding is covered, as some policies may only cover street-legal dirt bikes.
  2. Deductibles – you want a deductible you can afford in case of a claim but not so high that it breaks the bank. 
  3. Premiums – remember that the goal is to find a premium that fits your budget without sacrificing essential coverage.
  4. Other perks and discounts – look for added benefits like
    • Roadside assistance
    • Towing service
    • Discounts for bundling, paying in full, or a clean driving record

5. Apply for the insurance policy you prefer

Image courtesy of Vlad Deep

After all the research, quotes, and comparisons, it’s time to seal the deal and lock that dirt bike insurance policy in.

Here’s what you need to do:

1. Review the fine print.

Look at the policy terms, coverage limits, and exclusions or restrictions. Feel free to ask questions if something needs to be clarified.

2. Complete the application.

Provide the necessary info and any other documents the company may request, such as:

  • Personal info
  • Bike details
  • Riding experience and history
  • License status
  • Proof of ownership
  • Registration papers

3. Make the payment

Choose your preferred payment method – card or cash.

Once you’ve paid up, your policy will be activated.

You’ll receive a confirmation email or letter with your policy number and all the relevant details. 

Wrapping up

Insuring your dirt bike is more than ticking boxes—it’s about securing your future and riding without worries.

Accidents, theft, and unexpected twists are part of the game.

But with the right insurance, you can ride knowing you’ve got protection for yourself and your bike.

So go ahead, follow these steps, and get that dirt bike insured! 

P.S. Just a note that this guide is for general knowledge and is not intended as legal advice.

Please contact your local professionals for up to date information and advice before making any decisions.