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Insuring Custom Motorcycles


If you are a motorcycle enthusiast, chances are it is you dream to one day own a custom motorcycle. With popular television shows like Orange County Choppers and West Coast Choppers on the air, the custom motorcycle craze is roaring at full strength. This has caused custom bike shops to pop up all over the country and backyard mechanics to pull out their tool boxes and spruce their existing motorcycle with tons of chrome and other accessories.

While the custom motorcycle has made for some beautiful scooters on the roadways, it has made the job of motorcycle insurance companies a little bit more difficult. Unfortunately, finding the actual value of a custom motorcycle is not as easy as looking up the bike in the Kelly Blue Book. And custom motorcycles, with all of their added chrome, custom paint and even added speed are a target for thieves, making them more of a liability for insurance companies. If you own a custom motorcycle, however, or are thinking of purchasing one, there are a few things you you need to keep in mind.

  1. A red hot bike equals red hot insurance premiums. Just like anything else you insure, the more value you add to it, the more it will cost to insure it. Custom motorcycles are no different. In some cases, the cost of your motorcycle insurance can meet or even exceed the monthly payments for the actual bike. Unless you have a budget to pay the extra insurance premiums, you may want to reconsider that custom bike.
  2. Have the motorcycle appraised. One of the biggest mistakes people make when finding motorcycle insurance for their custom motorcycle is that insurance companies don't take receipts into consideration. If you have done a lot of customization to your bike get an appraisal. This will help ensure the motorcycle's value will be compensated if it is damaged or stolen.
  3. Take pictures of the motorcycle. We all know you want to show off that custom motorcycle anyway, so why not take some nice pictures for the insurance company while you are at it. Taking pictures will provide evidence of the work you performed on the custom motorcycle and help protect its value for insurance companies.
  4. Shop around for the best insurance policy. Just like custom motorcycles, not all insurance companies are created equal. When you are ready to insure your custom motorcycle do some comparison shopping so you can find a motorcycle insurance policy that will meet your needs and your budget.

The last step for insuring custom motorcycles is where can help. Our easy to use motorcycle insurance service allows you to compare multiple insurance quotes from top rated insurance companies from around the country. And best of all, is absolutely free to use and is available 24 hours a day, 365 days a year so you can find custom motorcycle insurance when it is most convenient for you and get your bike back on the road where it belongs.

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