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Allstate Motorcycle Insurance (2023) – Review

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Allstate Motorcycle Insurance – Allstate provides comprehensive insurance coverage for the things that life throws at you. Commercial insurance for your storefront is also available, as are surety bonds for various business needs.

When you buy multiple policies from Allstate, you can get significant discounts on motorcycle insurance. Although this provider does have a reputation for going to charge higher rates than Progressive, GEICO, or State Farm, there are several discounts available to reduce your monthly premium.

When they choose Allstate as their primary insurer, the majority of riders receive a competitive rate on everything from autopay to multipolicy needs. With a nationwide network of agents ready to help and a national customer service line, you can usually find what you need for motorcycle coverage in minutes.

What Are Allstate Motorcycle Insurance Options?

What Are Allstate Motorcycle Insurance Options?
What Are Allstate Motorcycle Insurance Options?

The standard Allstate Motorcycle Insurance policy generally covers property damage liability, medical payments, and bodily injury liability.

Riders can supplement their basic policy with several options to cover any potential needs. Here’s a closer look at the various options you can add to your motorbike insurance with this provider.

Personal Injury Insurance

If you are injured in an accident, this insurance coverage will reimburse you for lost wages, childcare needs, medical bills, funeral expenses, and other costs.

Insurance that covers everything

This policy option covers motorcycle damage that is not caused by another vehicle, object, or bike. Theft and vandalism are the most common types of claims. You will receive final assistance for repairs that exceed the real cash value of your vehicle.

Labor and Towing

If your motorbike breaks down on the road, this extra coverage pays for towing and labor to repair it.

Rental Compensation

When your motorcycle requires extensive repairs and you require transportation, this coverage will pay for the cost of a rental.

Damage to the Transport Trailer

This policy add-on covers damage to your motorcycle as well as the trailer caused by a collision, rollover, or most other losses.

Optional Extras

A standard motorbike policy may not always cover aftermarket parts. When it comes to fairings, crash bars, or seats, Allstate provides riders with $1,000 in automatic coverage. Additional protection of up to $30,000 is available.

You can ensure a trike, scooter, or bike with an Allstate Motorcycle Insurance policy.

What Can You Expect from Allstate’s Claims Service?

What Can You Expect from Allstate's Claims Service?
What Can You Expect from Allstate’s Claims Service?

Allstate offers a mobile claims service that offers the ability to take photos directly from the site and upload them immediately. If you use the online process, a claims adjuster will inspect the photos as well as provide compensation in collaboration with a verified mechanic.

It’s one of the industry’s quickest and most hands-off claims processes. Each one’s status can be tracked online.

You also can file a claim by calling Allstate’s toll-free customer service number or contacting your local Allstate agent.

Some claims are processed and paid within 24 hours. If you are not at fault for an accident, the instant benefits are paid out first, and Allstate then pursues the other driver’s insurance to recover what you are owed.

How to Save Money on Allstate Motorcycle Insurance

Some riders may be eligible for multipolicy discounts if they insure a motorcycle as well as multiple bikes with Allstate.

Here are some suggestions for lowering the cost of your quote so that it can compete with any other top provider in the U. S.

Discount for Good Riders

If you haven’t had an at-fault accident or anything more serious than a minor violation in the last five years, you can get a significant discount on your Allstate quote. Riders who transfer their policy from another insurer may also be eligible for a welcome discount to help keep costs down.

Several Motorcycles

You can save even more money if you insure all of your bikes with Allstate. Multiple discounts may be available when requesting a quote if you have a car, house, or other recreational vehicles at home that require insurance.

Payments Made Automatically

When you set up automatic payments since accepting your quote, you can save up to 5% on your motorcycle insurance policy (or bundles).

Another discount is available if you sign up for a new policy at a minimum of 7 days before your current one expires.

FullPay® is another option offered by Allstate. You can save even more money if you pay for your entire motorbike policy in one lump sum rather than in monthly installments.

Discounted Safety Course

When you participate in a safe driving program as a motorcyclist, Allstate will give you a discount on your insurance coverage. To be eligible for this savings, it must have been taken in the last three years.

Organizational Participation

As a motorcyclist, you can get a discount on your insurance if you belong to one or even more riding organizations. Gold Wing Touring, the American Motorcycle Association, and Harley-Davidson Owners are all qualifying organizations.

Is Allstate Insurance Beneficial?

Although Allstate Motorcycle Insurance rates tend to be slightly higher than those of other national providers, you will receive more personalized attention and care. Your agent handles the administrative work for your policy, so all you have to do is sign the documents when they arrive.

You can schedule a time for when you will pay for your policy with automatic payments. If your budget allows it, you can even bundle motorbike insurance with other items so that the policy premiums come out on different days.

If you need to make any changes, simply send an email to your local agent.

If you don’t want to micromanage your motorbike insurance, Allstate can do it for you. That contains seasonal changes that might have your bike in storage.

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