Motorcycle Insurance Questions and
Answers
Click on each to view the answer. If you don't find your
question, please feel free to call one of our qualified Direct
representatives at 1-877-GO DIRECT (1-877-463-4732), and they'll be
happy to help.
Coverage and Policy
In what states do you offer
motorcycle insurance?
Do you cover all types of
motorcycles?
What is the most affordable
motorcycle coverage I can get?
Which coverage is required by
law?
How much coverage will I
need?
How do I know if I chose the
right amount of coverage?
What if I want to change my
plan later?
Will I need a new policy for
each driver or motorcycle?
Payments
How can I make a payment?
What happens if I miss a payment?
Can I choose to lower my monthly payment,
payment date or billing cycle at anytime?
In what states do you offer
motorcycle insurance?
We are proud to now offer coverage in all
13 states we do business in: Arkansas, Florida, Georgia, Illinois,
Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South
Carolina, Tennessee, Texas and Virginia.
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Do you cover all types of
motorcycles?
No, we do not. There are certain types that are considered
unacceptable for coverage. For the states in which we offer
motorcycle insurance, we do not cover motorcycles used for racing,
speed tests, stunt jumping, business interests and commercial or
emergency use. We do not cover rental, short-term leases, or
motorcycles over 25 years old, an after-market frame, and without a
listed NADA value. For more, please call one of our agents at
1-877-GO DIRECT (1-877-463-4732), and they'll be able to review any
other exclusions and guidelines with you.
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What is the most affordable
motorcycle coverage I can get?
The lowest cost coverage you can get is
ultimately determined by the deductible amount, specific coverage
plan and amount of financial protection you choose. And,
remember, unlike other insurance companies, we offer flexible
payment options to help you manage your monthly budget
regardless of the coverage you select.
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Which coverage do I need by law?
Coverage limits vary state by state.
Regardless, we at Direct Auto can make sure you get the amount of
coverage required by law. If you are making
payments on your motorcycle, you may also need to purchase
Comprehensive and Collision to satisfy your lender but this is not
coverage required by your state.
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How much coverage will I need?
The exact plan you choose depends on your
personal needs and the amount you wish to spend. A few things
to consider as you make your decision: Do you make payments
on your motorcycle? If so, Comprehensive and Collision might
be required. Do you have any many custom parts or
accessories? If so, you may want to consider adding Custom
Parts & Equipment coverage. What deductible can you
afford to pay out of pocket? If you can afford a higher
deductible, the premium for your comprehensive and collision will
go down.
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How do I know if I chose the right
amount of coverage?
If you feel unsure at anytime during the
quote process, we'd be happy to help you through it. Just
call one of our experienced representatives at
1-877-GO-DIRECT (1-877-463-4732), and they'll walk
you through any concerns you might have.
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What if I want to change my plan
later?
If you need to add or subtract a car,
motorcycle or driver from your policy or change your coverage
choices, you can always speak with one of our friendly
representatives over the phone or in person at one of our local
stores. They can also help you with any other changes at that
time.
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Will I need a new policy for each
driver or motorcycle?
No. You may simply add them to your
existing policy.
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How can I make a payment?
We give you many easy options. You
can go to any of our Direct sales offices and pay in person with a
credit or debit card, check, cash or money order.
Alternately, you can pay with a credit/debit card either by calling
1-877-GO-DIRECT (1-877-463-4732) or using our easy online payment
tool. And you can always use the payment coupons provided
through our offices and mail a check to us.
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What happens if I miss a payment?
In the event that you miss a payment, we'll
send you a notice and provide you additional time to make your
payment. If you still are unable to make the payment
due, we are required to cancel your coverage. However, in
some cases we can reinstate your coverage, even after your policy
cancels. Insurance cancellation procedures are governed by
state law.
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Can I choose to lower my monthly
payment, change my payment due date or billing cycle at anytime?
You can make those changes before buying
your policy; but, unfortunately, once you buy a policy, we cannot
change anything pertaining to billing. However, when you
return to renew your policy, you can lower your monthly payment at
that time.
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