Progressive Motorcycle Insurance Review

Over the years, Progressive has developed a strong reputation for being one of the best insurance companies for motorcycle riders. Since it was formed in 1937, Progressive has catered their services towards automotive and motorcycle insurance which has created several features that put them near the top for their services.

State:
Should Your Cover Your Motorcycle with Progressive?

Photo Credit: Progressive.com

Options

You have several options when covering your motorcycle, starting with the state minimum requirements that typically include liability and uninsured or underinsured motorist and moving on to other coverage plans that include the following;

  • Comprehensive
  • Collision
  • Bodily Injury Liability
  • Medical Payments
  • Custom Parts and Equipment
  • Property Damage Liability
  • Roadside Assistance

All of these options can be found with many other insurance companies, but Progressive offers low rates to drivers with good records which makes them one of the better insurers on the market today. Plus, you can pay by the month or pay for the plan at once which can save you, even more, money in the long term.

Features

What helps make Progressive different from many other insurers apart from the low premium cost is the added features that make it highly desirable for motorcycle owners.

Covers All Models: First and foremost, Progressive covers a broad range of bikes which includes vintage and custom models. Plus, you can even get your trike insured with the company. Progressive is one of the rarer insurance businesses that covers classic or custom bikes because of their cost. This is why they are one of the best choices for young riders.

Another feature is that a pre-set price can be agreed if the motorcycle is totaled which can considerably reduce the premiums.

Quick Quotes: Convenience is another feature that Progressive offers as it only takes a few minutes online or talking to a Progressive agent to get a quote for your motorcycle. You can even go through the list of discounts to get a better deal.

Roadside Assistance: If your bike breaks down, gets a flat tire, or is stuck alongside the road, Progressive offers ample coverage which makes it easier to pay for the services. You can even be reimbursed if your bike is in the shop and a rental car is needed.

Loyalty Rewards

Another reason Progressive is perfect for motorcycle riders is the Loyalty Reward system. The longer you stay with Progressive, the more rewards will come your way. Even signing up provides you with some rewards that will expand as you stay with the company. Such rewards include Small Accident Forgiveness which means that lower cost repairs will not raise your premiums.

If you avoid an accident for four-year, you can get Large Accident Forgiveness (over $500) which protects your rates even if major repairs are needed. You can continue to build up discounts over time that will help you save money on your premiums.

About the only drawback is that Progressive does not offer multiple motorcycle discounts for those who own more than one bike. This is a rather curious disadvantage, but for most motorcycle riders this will not affect them if they own only one bike.  Still, Progressive is far and away one of the best insurance companies for bike riders thanks to their generous plans, competitive price, and many features.

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