What You Need to Know About Insuring Vintage or High-Value Motorcycles

If you live in or near Arvada, CO, you don’t need to be told how stunningly beautiful the area is. Picturesque mountains and big, beautiful skies make it exactly the kind of place that’s perfect for a leisurely ride on the back of a classic motorcycle.

But it’s important to understand that insuring a classic or vintage motorcycle isn’t as simple as with a newer bike. At Alliance Insurance Services, we can help you make sure your policy is suitable for your bike. In the meantime, here’s an overview of what you should know.

Classic Motorcycle Insurance and Colorado Law

As with any other vehicle you plan on actually using for transportation purposes, you are required by Colorado law to carry liability insurance on any bike you plan to ride, even occasionally. This includes vintage bikes.

But even if you never ride your classic bike, it’s still essential to protect it. Otherwise, you’ll lose your investment in your motorcycle if it’s ever stolen, vandalized, or damaged.

Storage and Security Matter

Factors like how well your bike is cared for, where you store it, and whether additional security measures protect it always affect your insurance policy and premiums. But they’re essential when insuring a high-value motorcycle.

Like insurance itself, ironclad security or safety measures like lighted storage conditions, tracking devices, and cameras protect your bike’s value.

Beyond the Bare Minimum

By law, you’re only required to carry liability insurance on your Arvada, CO motorcycle. And, of course, you’ll want to carry specialized insurance if you drive a classic or high-value bike. But be sure to consider factors like how often you ride your bike, inclement weather conditions where you ride, and more when deciding how much insurance you need.

Give us a call at Alliance Insurance Services and take the following steps toward the protection your vintage bike deserves. We’ll be happy to help you figure everything out.