Motorcycle Insurance

Ways to Save on Motorcycle Insurance

In addition to our specialized coverage options, Foremost offers a variety of discounts to help you get even more for your money, and your motorcycle. Qualify and you can save by having multiple insurance policies besides your Motorcycle insurance with Foremost, switching to Foremost from another insurance carrier, or even by taking a motorcycle safety course.

See our full list of Motorcycle discounts below, and talk to Clinton Robinson & Associates Agency a Foremost agent today to explore your eligibility. Call 1-973-675-2515 for a Quote Today.

Foremost available Motorcycle insurance discounts:

Multi-policy (having another Farmers policy)
Multi-unit
Prior insurance
Affinity group
Preferred operator
Renewal discount for maintaining continuous coverage
Safety course
Airbag equipped
Anti-lock brake equipped

Even more ways to keep your money in your wallet

Annual Policies

Lock in your rates for a year to increase your savings. Plus, enjoy year-round coverage with no lay-up period. Many carriers only provide seasonal Motorcycle coverage, but with Foremost, if there's a beautiful winter day when the road is calling, go ahead and get out there. No extra phone calls, no hassles!

Rewards for responsible riders

All Motorcycle policies are not the same. Foremost offers several special features for responsible riders:

A First Accident Waiver program waives the premium surcharge on the first motorcycle accident for loyal customers with a good driving record.
Additional Medical Payments coverage is available for riders using a DOT-approved helmet.
A $500 deductible waiver on Other Than Collision coverage is available for motorcycles with an approved stolen vehicle recovery system installed, including LoJack® systems. For more information on LoJack systems, or where to find a dealer near you, visit

Motorcycle Insurance

How do you enjoy your motorcycle? You might be a weekend warrior who cruises up the coast on sunny afternoons. Maybe you use your bike to navigate a traffic-clogged commute. Or you may take it on long journeys — experiencing the open road and an ever-changing landscape.

Customizable motorcycle coverage options

Call 1-973-675-2515 for a quote today.

However and wherever you ride, you know a motorcycle has unique risks. Your Foremost agent understands — and can show you customizable coverage options that help with risks like these:

You Put Your Bike Down

Risk

You misjudge a turn on at a rural intersection and put the bike down. You escape with a few cuts and bruises, but repairs will cost more than your motorcycle is worth.

Coverage

Elite and Plus packages can help if your bike is a total loss. Elite coverage provides current market value for a motorcycle that’s less than five years old — Plus coverage lasts until a bike is two years old.

You Lose Personal Property

Risk

At a stop on a cross-country trip, you notice your saddlebag’s straps have come undone. Your phone, first-aid kit and heavy-duty rain poncho are gone — probably lying somewhere on the side of a highway.

Coverage

Elite coverage can help with the cost of replacing personal property when it’s lost, stolen or damaged in an accident.

You Damage Your Helmet

Risk

After lunch at your usual spot, you’re walking to the parking lot when you lose your grip on a helmet you’re carrying — it hits the pavement.

Coverage

Elite, Plus and Saver packages can help pay for damage to safety apparel like your helmet — you can select the amount of coverage that’s right for you.

Choose from three Motorcycle Choice packages

Every motorcycle policy from Farmers can include three types of coverage:

Liability coverage can help if you’re legally responsible for an accident that causes damage or injuries.
Collision coverage can help with the costs of repairing damage to your motorcycle if you hit another vehicle or fixed object.
Other than collision coverage can help with a loss caused by something other than an accident — for instance theft, vandalism, hail or collisions with animals.

Motorcycle Choice packages make it easy to choose — and customize — the coverage you want by combining popular features for different needs and budgets:

Saver Package Plus Package Elite Package