Motorcycle Insurance Portland, OR
Motorcycle insurance protects you from financial liability if you cause an accident while on your motorcycle, and it can also pay for damage to your bike. If you are in the Portland, OR area, Schmidt Insurance Group will help you find the exact amount of protection you need.
Schmidt Insurance Group opened its doors in Lake Oswego in 2019 with a goal of making insurance simple, transparent, and affordable, while providing exceptional customer service. We are born-and-raised Oregonians who proudly serve the local Portland area and all of Oregon and Washington. We are specially trained in high-net-worth households and can help you find the exact amount of coverage you need.
Need to Insure a Motorcycle? Ask Your Agent These Questions
Motorcycle insurance is available for the majority of bikes on the road, from cruisers to sport bikes, scooters, modified bikes, dirt bikes, classic motorcycles from the ‘50s and ‘60s, and customized motorcycles. Before you head out on the open road, make sure you have the right coverage. Here are five questions to ask your Schmidt Insurance Group agent:
1) What are Oregon’s motorcycle insurance requirements?
Similar to auto insurance, most states set minimum coverage requirements. Here in Oregon, they are:
- $25,000 for death or bodily injury to one person
- $50,000 for death or bodily injury to two or more persons
- $20,000 for property damage or destruction
Oregon also requires personal injury protection (PIP) of $15,000 per person and uninsured motorist coverage of $25,000 per person and $50,000 per accident. In some cases, these minimum coverage amounts may be just what you need, but discuss them with us to be sure.
2) Will my insurance policy cover my passenger as well?
Depending on the type of coverage you have on your policy, the rules of the state where you live, and who was at fault in the accident. your motorcycle insurance may help cover your passenger. You may also want to purchase guest passenger liability coverage. The best way to find out is to ask your Schmidt Insurance Group agent.
3) Does the insurance cover custom parts?
A standard policy won’t usually cover the custom parts, accessories, or features you’ve added to your bike. To better protect your motorcycle, consider adding custom parts and equipment coverage to your motorcycle insurance policy.
4) Does it include roadside assistance?
Most standard motorcycle insurance policies include coverage for towing If your bike is inoperable (up to a specified distance) and minor mechanical repairs to make it operable again following a breakdown. If you are interested in this type if coverage, discuss it with us. Being stuck with your bike on the side of the road can be pretty lonely!
5) Am I eligible for any discounts?
Many insurers offer a variety of ways you can get a discount on your motorcycle insurance. They include owning a home, taking motorcycle safety courses, having a good record, or bundling the policy with another vehicle such as a car, RV, or ATV. At Schmidt Insurance Group, if you qualify for a discount, we’ll make sure you get it.
Whether you are competing with congested traffic in Portland, OR, or riding under a redwood canopy, you need proper motorcycle insurance for your bike. Stop by our office today and introduce yourself, or reach out to us at (503) 206-0881 for more information or to request a quote.
