You’ve invested a great deal of time and effort into finding the right bike and gear, and now you’re ready to enjoy the open road. But motorcycles are by nature far less crashworthy than closed vehicles, and they are also less visible to other drivers and pedestrians and less stable than four-wheel vehicles. As such, motorcycle accidents are a possibility — some 110,000 occurred in 2014 alone, according to the Insurance Information Institute (III) — and it only makes sense to put the right protections in place to safeguard it all, too. Ride with Reed Insurance and have peace of mind — we offer Liability and Full Coverage with Progressive, Foremost, and Dairyland.



Many motorcycle owners also own all-terrain vehicles (ATVs). After all, they’re also a lot of fun to ride! However, while most ATVs aren’t used on public streets, they still carry many of the same risks as motorcycles. Much like our Motorcycle Insurance, Reed Insurance offers a wide range of ATV Insurance coverages, including: Collision, Property Damage, Bodily Injury, Comprehensive, Medical, and Uninsured Motorist. ATV Insurance policies are affordably priced – and are a small price to pay for peace of mind.

Liability Insurance

Most states require a minimum amount of Liability Insurance to cover bodily injury and property damage that you may cause to other people in an at-fault accident. Liability coverage does not cover you or your motorcycle.

Collision Coverage

Covers damage to your motorcycle from a collision, regardless of fault, and usually covers the resale value of the motorcycle before the loss occurred.

Comprehensive Coverage

Pays for damage caused by an event other than a collision. This includes fire, theft or vandalism. Most comprehensive and collision coverage pays to replace only the factory standard parts on your motorcycle. Additional or optional equipment coverage is needed for accessories such as chrome parts, sidecars or custom paint jobs.

Uninsured/Underinsured Motorist Coverage

Covers damage to you and your property caused by a driver or rider who does not have insurance or does not have enough insurance to cover your damages. This coverage typically pays for medical treatment, lost wages and damage to your motorcycle.