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I love to collect things. My bookshelves are a testament to that impulsive behavior, ranging from Pop! Figures to historical coins.

I promised that I would take a different approach when it came to motorcycles. I’d keep one, then ride it until it was time to upgrade. When I had a chance to purchase a custom 2005 Ducati Monster SR4, it was time to go back on my word.

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Although buying my favorite motorcycles is a fantastic hobby, it can get challenging from an insurance perspective. How do I protect these investments adequately?

Thankfully, a conversation with my agent about multi-motorcycle insurance helped me to make good decisions. This policy structure is often beneficial but isn’t always suitable for everyone.

How Much Do You Save with a Multi-Bike Policy?

The amount you can save with a multi-bike insurance policy depends on several factors, including the number of bikes you want to insure, the type of motorcycles you own, your location, your riding history, and your provider.

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Insuring multiple bikes under one policy is cheaper than buying separate policies for each motorcycle.

It is not unusual for bundling in this way to save between 5% to 20% on your overall costs. Some motorcyclists might see even more significant savings.

The only way to know for sure is by requesting multiple motorcycle insurance quotes.

How Many Motorcycles Can I Insure on a Multi-Bike Policy?

Most insurance companies offer multi-bike policies that cover two to five motorcycles.

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If you own more than five motorcycles, consider other options, such as a fleet insurance policy.

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When you have a multi-bike insurance policy, each motorcycle will have the same level of coverage. It’s essential to ensure the coverage protects everything you own and is sufficient for your needs.

Can I Have Vintage and Classic Motorcycles on a Multi-Bike Policy?

Many insurance companies allow you to have vintage and classic bikes alongside modern makes and models when bundling policies. The eligibility for specific motorcycles depends on what the insurance provider is willing to accept or support.

Vintage and classic motorcycles are often considered to be high-value vehicles. They require specialized coverage due to their unique features and limited availability of replacement parts.

You might be asked for additional documentation when requesting a multi-bike quote that includes vintage and classic motorcycles. This request might consist of proof of ownership, a valuation report, or a maintenance record.

What About Antique Motorcycles on a Multi-Bike Policy?

Antique motorcycles often qualify for multi-bike policies because insurers treat them as vintage or classic models.

These bikes are usually over 25 years old and have collectible value. That means they often require specialized coverage that accounts for age, rarity, and condition.

All eligibility requirements for any motorcycles in this category fall to the individual insurer.

Is It Better to Insure Individual Motorcycles?

I know that bundling my motorcycles into a multi-bike policy makes sense. Let’s talk about my friends Jack and Sarah for a moment. They have two bikes, a Harley-Davidson and a Yamaha, which they enjoy taking out on weekend rides on the back roads around where we live.

After talking with me, Jack and Sarah started shopping around for multi-bike insurance policies. They found that there were several options available, and the policies varied in terms of coverage and cost.

They looked at all their options, then decided on a policy that delivered comprehensive coverage while boosting their liability limits. They continue to enjoy weekend rides, but now they have more money to spend each month while having better protection.

It makes sense for them. The only way to discover if it does for you is to request quotes from today’s best motorcycle insurers offering this option.

Shopping around by requesting multiple motorcycle insurance quotes is the best way to ensure you get a fantastic deal. Remember to ask for individual policies on each bike to find the best rates!

In return, you can join me out there on the open road, letting the throttle roar with joy.

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Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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