Why choose Cobos Insurance for your motorcycle insurance?
Because we can offer customizable coverage to suit your needs. We can provide insurance for most motorcycles, including cruisers, sport bikes, touring bikes, dirt bikes, mopeds, scooters, ATVS – even classic bikes. Whether you want to ride year round or prefer to utilize our winter “lay-up” period, we can help you. We can offer liability limits from state minimums up to $250/$500,000/$100,000. If you want higher liability limits, we can even look into securing you an umbrella policy. Have a custom paint job or accessories? No worries, we can provide you with the additional coverage you need. We can even offer things like total loss coverage, so if your bike gets stolen or totaled, you can sleep well knowing our carriers can get you a new one just like the original. Have an antique/ vintage bike you like to take to shows or enjoy working on? We have special policies just for you. We even offer coverage for spare parts and tools. We'll cover all those extra parts laying around in your garage. -
Additional Add-ons: In addition to your base policy, we offer many endorsements to further customize and enhance your coverage. Below is a list of our most common coverages.
Transport Trailer Coverage: Comprehensive and collision coverage for trailers used to transport a covered bike. We can insurance trailers up to $7500.
Replacement Total Loss Coverage: Replacement coverage for bikes purchased new and totaled within the first 24 months.
Optional Equipment Coverage: Additional insurance for any trailer or parts, decorations, custom painting, chroming, sidecar, or other items not originally provided by the manufacturer as standard equipment.
Towing and Labor: Coverage for towing, tire changes, Battery service, Fuel Delivery.
What Information do I need for a quote?
Driver DOB, SSN and DL #
Year, make, and model of bike
Cubic centimeters of bike
Do you have your motorcycle endorsement?
Frequently Asked Motorcycle Questions
What can i do to reduce my rate?
We know that toys can get expensive and that is why our carriers have lots of different discounts. Some of our most common discounts include multi-bike discount, organization discounts, motorcycle association, and mature rider discounts for experienced riders. These are just a few possibilities. Discounts can range anywhere from 10 to 20 percent, depending on the company and your state
When is your lay-up period?
3 month (the complete months of December, January and February) 5 month (the complete months of November, December, January, February and March).
Can I get a discount for taking a motorcycle safety course?
Yes, you can get up to 10 percent off if you have taken a safety course in the last three years
if I am not driving my Motorcycle, will my homeowners INSURANCE cover it?
No, that is a common misconception. At no time will your homeowners insurance ever cover your motorcycle, scooter, RV, jet ski etc.
Can I insure my moped or scooter?
Yes! Ohio motor scooter owners are required to maintain the same minimum level of liability insurance as motorcycle owners. If you ride an electric kick scooter, moped, or motorized bicycle, you do not have to have insurance.
CAN you insurE my accessories and Custom parts?
Yes! Most of our policies include a small amount of accessory coverage. If you need more for custom paint, chrome, saddlebags etc., you will need to discuss this with one of our agents.