Skip to content


Click to Call
Sloan Insurance Agency

33 2nd St
Elmer, NJ 08318

Get Directions

Motorcycle Insurance as Your Primary Vehicle

At Sloan Insurance Agency, we cover many people in the Elmer, NJ, area who use their motorcycle as their primary vehicle. Most of them always ask the same question before they begin: will my usage affect my policy? Let’s examine this idea to give you a better idea of what to expect.

Does Your Policy Differ?

A motorcycle insurance policy does not differ if you use it as your primary vehicle instead of as a secondary vehicle. Both vehicles will require you to get proper coverage that meets your needs. Before you can even hit the road, you need the policy to keep yourself and others safe. 

That said, some people may be more inclined to get extensive policies if they use their bikes for regular riding. For example, a basic liability coverage policy is not but does not protect your bike if it gets damaged. For that, you’ll probably want to upgrade to a more intensive policy.

What Does It Cover?

A comprehensive motorcycle insurance policy will typically include things like damage protection, medical expense coverage, payments for repairs, replacement coverage, and much more. You can usually set up whatever policy works the best for you when you begin.

Talk to your agent about which of these options works the best for you. You’ll have to work directly with your agent to ensure that you feel comfortable with these steps and avoid any complications that you might experience. Just as importantly, you should adjust your policy as needed.

Get a Policy That Works 

If you drive your motorcycle as your primary vehicle, it shouldn’t be too hard to find a policy that works for your needs. At Sloan Insurance Agency, we can help Elmer, NJ residents find a policy that makes sense for their needs. Contact us today to learn more about our options.