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Motorcycle insurance FAQs

No doubt you have questions as you look for the right motorcycle insurance to fit your style. Whether it’s discovering available coverages, starting the process of getting your own Dairyland® policy, or finding money-saving discounts, there’s a lot to consider. We’re here to help. That’s why we’ve put together the answers to some of the most frequently asked questions about motorcycle insurance coverage. If you don’t find yours, give us a call at 800-334-0090. We’re ready to talk with you.
Is there also a discount for completing a safety training course?
Of course. We know a safety training course makes you a better rider—whether you’ve been on the road for years or months. A training course offers something for riders of every skill level. Visit the Motorcycle Safety Foundation website for a list of courses near you. And if you’ve completed a course, don’t forget to let us know when you request a quote.
Can I insure my moped or scooter?
You bet. In fact, many states require basic insurance to cover the cost of losses in an accident. You’ll also find moped and scooter insurance is typically less expensive than motorcycle insurance. Get your online quote now.
I’m looking for discounts. What do you offer to make my motorcycle insurance more affordable?
If you’re interested in discounts—you’re in luck. We have several to choose from. If you own more than one cycle, own a home, or are a member of a riding group, you might be eligible for a discount. Be sure to ask for all of your discounts while you get your quote.
Can I buy my Dairyland® policy directly through you or can I go to an agent?
Either works—it’s whatever you prefer. Our website allows you to get an online quote, make payments, and settle claims. We also have a great relationship with all of our independent agents, who are available to help. Check out our list of agents to see if there’s one near you.
How much coverage do I need?
That’s the question everyone asks, and there’s no one-size-fits-all answer. Levels of coverage are different for every rider and every motorcycle. Some prefer to get the coverage they can comfortably afford. Take a look at our Collision, Comprehensive, Liability, and other options. All can help protect you if an accident happens. Don’t know where to start? We’re happy to help you determine what coverage fits you and your ride.
Do you offer Roadside Assistance?
Roadside Assistance is an available add-on coverage for all policyholders. It’ll help you if you ever experience a battery failure, flat tire, lock-out, or mechanical or electrical breakdown. You’ll also be covered if you run out of gas, oil, fluid, or water. And if you need a tow, it’ll cover the cost to take your bike to the nearest qualified service garage. Learn more about our Roadside Assistance coverage.
Why isn’t Dairyland® insurance offered in my state?
While we’d love to be available in every state, we can only offer insurance in states where we’re recognized to do business by the state’s insurance commissioner.
Do I need insurance for my bike while it’s in storage?
That’s up to you. But remember, your motorcycle is still at risk for a Comprehensive loss—even if it’s sitting in your garage or storage facility.

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