Progressive Motorcycle Insurance Features and Coverages

by : Trevor Mulholland

Progressive Motorcycle Insurance is one of the top-selling insurance product lines in the United States. The provider offers its motorcycle insurance products through two distinct marketing channels called Drive and Progressive Direct. The former corresponds to the needs of customers off- line while the latter caters to online buyers and consumers.

Motorcycle riders shopping for insurance have many ways of purchasing a policy. At Progressive, customers have a choice between Drive and Progressive Direct. Drive policies are offered through brokers and agents while Progressive Direct is for riders who prefer making their purchase online or through the telephone. Whatever option customers prefer, Progressive motorcycle insurance can lay out a series of options from which buyers can take their pick.

The premiums for Drive and Progressive Direct are different. When insurance is purchased through an agent or broker, as in the case of Direct policies, the motorcycle insurance quote factors in the commission of the agent or broker who made the sale. On the other hand, Progressive Direct policy rates incorporate the cost of maintaining a direct-selling center.

The protection provided by Progressive include bodily injury and property damage liability, collision and comprehensive, uninsured and underinsured motorists, medical payments, custom parts and equipment, and roadside assistance. Valued customers can enjoy significant discounts and riders with a good safety record are given low premium quotes. Insurance quotes are computed based on a rider's safety record, marital status, age, type of motorcycle and the number of claims made against previous policies. Progressive also has a discount tie-up and is offering coverage for multiple motorcycles and a homeowner's discount.

The company underwrites policies for a variety of motorcycle types. It provides coverage for customized motorcycles and bikes that are over 25 years old. Motorcycles are classified into several types and the more popular types include, the cruiser, the limited production cruiser, street sport, high-performance, touring, sport touring, regular, dual purpose or endure, motocross or dirt bike, mopeds, scooter and trike.

Progressive motorcycle insurance has become easily accessible through the company's Web site. The site offers information not only about motorcycle insurance, but everything that has to do with riding a motorcycle. Most valuable to riders is the information on U.S. state laws pertaining to motorcycle driving. The site also offers road safety tips and recommends motorcycle safety equipment and devices to give customers a better idea of how to take care of themselves and their vehicles.