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Motorcycle

Choosing the right insurance policy is much like choosing the right bike. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Ask us about which laws apply in your state. 
 
The key to finding which coverage is best for you involves learning about all the options available.
 
Liability coverage
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.
 
Collision coverage
Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
 
Comprehensive coverage
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and cover only the book value of the motorcycle.
 
Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your bike. If you decide to add on any additional optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you need to look into obtaining additional equipment coverage.
 
Uninsured motorist coverage
Uninsured motorist coverage pays for medical treatment, lost wages and other damages if a driver who has no insurance hits you. If your uninsured motorist coverage includes property damage, then your cycle would also be covered under the same circumstances. Check with your insurance professional to see if property damage is included or needs to be purchased separately.
 
Underinsured motorist Coverage
Underinsured motorist coverage is similar to uninsured motorist coverage, except it applies when the other party has lower coverage limits than you do and damages exceed the other party's limits. 
 

With Permission © Insurance Information Institute, Inc. - ALL RIGHTS RESERVED -

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What Our Customers Are Saying... 

We recently switched our insurance policies based on our previous positive experience with Bruce Southwell. When we understood that we would save over $500 a year and receive more complete coverage we moved our insurance to Bruce and Safeco and have been pleased with the results.

P.M.

We recently changed our insurance coverage to the Bruce Southwell Insurance Agency . Mr. Southwell is an experienced and knowledgeable agent who is happy to fully answer questions about insurance. His expertise was valuable in putting together an insurance package covering our specific needs. The result was that compared to our previous policy we now have not only better coverage but also at significantly less cost.

Jim K.

Ihave known Bruce for approx. 28 years. Ihave relied on his advice and knowledge in the span of those years. We continued to move with him to his new venture as well. This saved us approximately $1000 a year on insurance premiums WITH better/more coverage. He did all the footwork in transferring our policies so the change was easy and transparent for the most part. He is responsive to our questions and his customer service skills are excellent.

Cindy G.

Bruce Southwell had been our insurance agent for thirty seven years and when he informed us that he could offer us better coverage at a lower cost by switching companies we jumped at the chance. The change was easy and we are now enjoying better coverage on our home and cars as well as a savings of over $600 a year.

John P.


My wife and I have been with Bruce for 25 years,maybe a little longer. Bruce has been there for us and helped us through these times and understood our needs. I'm very glad to know him and have him represent us,this man is someone you can trust. Thank you Bruce Chuck S.

My husband and Ihave been insured with our agent, Bruce Southwell, for about 30
years. Bruce has always been an outstanding agent for us. We recently left him for a year or so due to the rising cost of our previous insurance. However, since he has started Southwell Insurance Agency we returned to him, preferring to be with someone we have known and worked with for a long time, and he also was able to save us over $300 annually on our auto insurance. We would highly recommend Bruce for your insurance needs. He is a great guy!

Judy D.

Bruce Southwell has been my insurance agent for over 25 years. This long track record of friendly, professional service is why he is still my insurance agent, and now, with his independent agency, is also saving me money on my home and auto insurance premiums.Iswitched insurance companies; Idid not switch insurance agents.

John R. Omaha, NE

I want to thank you for your help in switching my insurance. I had been looking at different options as my insurance was increasing at my previou s company. You
had been my agent for 18 years and had always served me well. The opportunity to have you as my agent again and to get policies tailored to my need s was ju st what I needed . The policie saved me approximately $200 per year and are better than what I had.

You made the whole process seamless and the transfer went without a hitch.

Thank you again and have a wonderful 2016.

Geri E.

My wife and I have been with Bruce for 25 years, maybe a little longer. Bruce has been there for us and helped us through these tim es and und erstood our need s. I'm very glad to know him and have him represent us this man is someone you can trust. Thank you Bruce

Chuck S.


The reason we switched from the former company, is because Ifelt like they were not working in our best interest .After you left, the new representative was less than diligent with our account .After speaking with you, we made the decision to switch. It saved us money, and we are back with the agent that has taken care of our insurance needs for about 20 years.    Dan J.


"I made the switch to the Southwell Insurance Agency after having been with my prior insurance company for years. It seemed like Iwas taken for granted and based on what Iwas seeing in the industry, my rates just didn't seem to be competitive. I had worked with Bruce Southwell years ago, and when Ifound out he had his own agency, Iknew Ineeded to inquire about my coverage needs! Bruce was very helpful in getting my rates reduced on my homeowners, auto, and even an umbrella policy! Additionally, Bruce made recommendations on provisions of my policies
that Icould adjust to obtain even greater savings. I'm very pleased with the quick responses and great pricing that Iget by working with Bruce Southwell."

Phil L.

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Phone: (402) 493-6940
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