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Motorcycle FAQs
Motorcycle Insurance Questions and Answers
Click on each question to view the answer. If you don't find your question, please feel free to call one of our qualified Direct representatives at 1-877-GO-DIRECT, and they'll be happy to help.
Coverage and Policy
We are proud to offer coverage in: Arkansas, Florida, Georgia, Illinois, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, and Virginia.
No, we do not. There are certain types that are considered unacceptable for coverage. For the states in which we offer motorcycle insurance, we do not cover motorcycles used for racing, speed tests, stunt jumping, business interests and commercial or emergency use. We do not cover rental, short-term leases, or motorcycles over 25 years old, an after-market frame, and without a listed NADA value. For more information, please call one of our agents at 1-877-GO-DIRECT. They'll be able to review any other exclusions and guidelines with you.
The lowest cost coverage you can get is ultimately determined by the deductible amount, specific coverage plan and amount of financial protection you choose. And, remember, unlike other insurance companies, we offer flexible payment options to help you manage your monthly budget regardless of the coverage you select.
Coverage limits vary state by state. Regardless, we at Direct Auto can make sure you get the amount of coverage required by law. If you are making payments on your motorcycle, you may also need to purchase Comprehensive and Collision to satisfy your lender but this is not coverage required by your state.
The exact plan you choose depends on your personal needs and the amount you wish to spend. A few things to consider as you make your decision: Do you make payments on your motorcycle? If so, Comprehensive and Collision might be required. Do you have any many custom parts or accessories? If so, you may want to consider adding Custom Parts & Equipment coverage. What deductible can you afford to pay out of pocket? If you can afford a higher deductible, the premium for your comprehensive and collision will go down.
If you feel unsure at anytime during the quote process, we'd be happy to help you through it. Just call one of our experienced representatives at 1-877-GO-DIRECT, and they'll walk you through any concerns you might have.
If you need to add or subtract a car, motorcycle or driver from your policy or change your coverage choices, you can always speak with one of our friendly representatives over the phone or in person at one of our local stores. They can also help you with any other changes at that time.
No. You may simply add them to your existing policy.
Please call us toll-free at 1-877-GO-DIRECT to report a motorcycle claim. We are working to bring you the ability to file a claim online.
Payments
We give you many easy options. You can go to any of our Direct sales offices and pay in person with a credit or
debit card, check, cash or money order.
Alternately, you can pay with a credit/debit card either by calling
1-877-GO-DIRECT or using any of our
convenient payment options. And you can always use the
payment coupons provided through our offices and mail a check to us.
In the event that you miss a payment, we'll send you a notice and provide you additional time to make your payment. If you still are unable to make the payment due, we are required to cancel your coverage. However, in some cases we can reinstate your coverage, even after your policy cancels. Insurance cancellation procedures are governed by state law.
You can make those changes before buying your policy; but, unfortunately, once you buy a policy, we cannot change anything pertaining to billing. However, when you return to renew your policy, you can lower your monthly payment at that time. There may be other ways you could lower your payment, such as increasing your deductible(s) or changing coverage choices. Learn how to make your insurance protection more affordable by adjusting your insurance payments.