Progressive, Safeco and Dairyland rated side by side, with riding gear, custom parts and roadside built into the conversation — quoted by people (and robots) who know a Street Glide from a Grom.
The Coverages.
Liability
The required core — quoted at the same limits ladder as auto so upgrading is an explicit, priced choice.
Physical Damage
Comp and collision on the bike itself, with agreed-value options for customs and classics.
Custom Parts & Gear
Pipes, bags, bars — and the helmet and leathers that saved you. Standard tiers include $3k; more is cheap.
Roadside & Trip Interruption
A breakdown two states away shouldn't be an expedition. Tow, lodging, and getting home.
Seasonal riders, seasonal rates
Carriers price year-round but several offer lay-up periods that suspend physical-damage premium in the off-season. If the bike hibernates, say so.
Bundle with your auto
The same household discount mechanics apply — bike + auto in one order lets carriers price the whole garage.
One intake, every carrier with appetite, live tracking, one-click bind. $0 to shop.
Start My Quote How It Works"Three carriers on my Street Glide by the end of a coffee. The gear coverage question is what sold me — nobody asks that."
— R. Delgado, Colorado Springs — verified orderWhat The Fleet
Checks.
Model & Class Decode
Cruiser, touring, sport — carriers rate class hard; the fleet gets the decode right the first time.
Gear & Custom Sweep
Accessory and gear limits quoted explicitly so chrome and leathers are covered on purpose, not by luck.
Seasonal Structuring
Lay-up options quoted where offered so winter isn't full price.
The Discounts
That Matter.
Multi-Bike / Multi-Policy
The garage rates better together — bikes with autos, autos with bikes.
Safety Course
MSF course completion credits at every carrier we quote.
Lay-Up Season
Suspend physical-damage premium in the months the bike sleeps.
Experienced Rider
Years licensed on two wheels is its own rating factor.
The Vocabulary.
Does my auto policy cover my motorcycle?
No — motorcycles need their own policy everywhere in the market.
Track days?
Organized racing is excluded across the market; some carriers handle non-timed track schools differently. Ask the concierge before you assume.
Go Deeper.
The Learn Hub
Deductibles, liability limits and renewal strategy, decoded in plain English.
// BUNDLEBundle & Save
Price the whole household in one order — bundled and split, side by side.
// PROMISEThe Pearl Guarantee
Accurate at bind, on time or escalated, claims-day advocacy.
// MACHINEHow It Works
The algorithm, the fleet, and the Buy Box — with the audit trail.