Montgomery & Associates Insurance Agency

Vehicle insurance goes beyond your car or truck. If you love exploring the streets and countryside of Nashville on a motorcycle, be sure you are properly protected against damage and losses by working with an experienced agent. 

Popular journeys on two wheels in and near Nashville include Natchez Trace Parkway, Downtown Nashville including Broadway and 2nd Avenue, Highway 100 (Lovelace Café), and the Cumberland Plateau routes.

Motorcycle insurance coverage can protect you from liability and provide payments for injuries and damage in the unfortunate case of an accident.

At Montgomery & Associates Insurance & Financial Services, we understand that you might need different types of insurance to cover a range of automobiles, vehicles, or other assets. We offer Tennessee motorcycle insurance coverage and other specialty insurance to best protect you and your family. We can often bundle your homeowners with auto or motorcycle to receive discounted rates. Call us today at (615) 829-8457 to learn more about your options.

Motorcycle Coverage Options

You can choose motorcycle insurance plans yourself and sign up through an agent or directly online with a carrier, but there are advantages of working with an independent insurance brokerage like Montgomery & Associates.

As an independent insurance brokerage, here are advantages we offer:

• • We have access to a variety of insurance carriers and plans, including ones you can’t sign up for directly with the company.
  • We don’t have a vested interest in you choosing a certain carrier, so you can pick from many options.
  • We can assess your personal situation to determine your specific insurance needs.
  • We’ll show you a wide variety of plans to help you choose the one that fits your needs and your budget.
  • We ensure that you meet Tennessee insurance law minimums.
  • We make sure you get enough coverage but not too much.
  • We write policies for Nationwide, Progressive, Safeco, and other companies to attain the best rates.
  
  
  
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Mandatory Tennessee State Motorcycle Insurance Requirements

What are the Tennessee motorcycle insurance requirements?

In Tennessee, you must meet minimum liability coverage of $25,000/$50,000/$15,000.

This means you must have the following coverages when operating a motorcycle not on private property:

1. $25,000 for bodily injury (per person)
2. $50, 000 coverage for bodily injury for each accident
3. $15,000 for damage to property per accident

Selecting higher coverage amounts than what Tennessee requires is often recommended, to avoid a devastating loss in the unfortunate case of an accident. The experienced local Nashville agents at Montgomery & Associates will guide you in making the best decision.

Is the Tennessee required coverage for motorcycle insurance enough to protect you in the case of an accident?

No, it is not sufficient in most cases.  Depending on the value of your motorcycle and your assets you wish to protect, you will want to consider these motorcycle coverages:

Collision
Additional Liability
Comprehensive
Additional Bodily Injury
Uninsured Motorist

 

How to Decide Which Insurance Coverage you Need

Your insurance agent can help you through this process. Things to consider are your current and anticipated assets, your risk tolerance, your current vehicles owned, home or property owned, and family members who may drive the motorcycle.

 

Which motorcycles are the most expensive to insure?

Typically, the most expensive motorcycles to insure are sports bikes and collectible bikes.

 

Here are the most expensive motorcycles to insure:

BMW S100RR

Ducati Sports Bikes

Harley Sportster

Harley Davidson Street 750

Honda Africa Twin

The Tennessee minimum amounts of coverage will not be enough to cover you in every situation. You might also want to add collision insurance so you could repair your motorcycle, uninsured/underinsured motorist insurance in case the person you get in an accident with doesn’t have insurance or doesn’t have enough, or comprehensive insurance for repairs from other causes than an accident. You could also add medical payments coverage to take care of medical expenses from an accident.

At Montgomery & Associates motorcycle insurance agency, we can provide a motorcycle insurance broker to determine the type and amount of coverage you should choose based on your needs and preferences.

Which insurance companies are the best in motorcycle insurance?

Progressive Insurance
Safeco Insurance
Nationwide Insurance

Local Insurance Company

You have your choice of motorcycle insurance companies in the Nashville area, so why should you choose Montgomery & Associates? At our local office, we provide a personalized touch. We don’t think that you should choose a plan without careful consideration of key factors; instead, we want to help you get customized insurance that fits your life. We create detailed insurance options and perform insurance planning to address your particular risks, so we can ensure that you’re protected. As life events occur, we reassess to make sure your insurance is still working for you.

Since we’re an independent agency, we let you choose from the companies you trust and like best. You can trust the guidance of your Montgomery & Associates motorcycle insurance agent and meet with us in our Brentwood or office. All of our staff members, headed by our agency principal Will Montgomery, are experienced industry professionals.

Free Motorcycle Insurance Quote?

If you need a motorcycle insurance quote in Brentwood or Murfreesboro, call us today at (615) 829-8457 or fill out our website form. One of our agents will be happy to help you get the insurance policy you need at a price you can afford. We work with a number of carriers and can offer you the best rates and coverage by shopping the market for you. We can provide quotes in any Tennessee city.