We'll show what coverages may be available and how to get the personalized protection you need.

Even if you've been riding for years, it's a good idea to take a close look at your motorcycle insurance coverage. Things change, and chances are you've got a lot to look out for.

Our motorcycle insurance coverage is packed with ways to help turn a really bad day around.
Need a tow? Crash put your bike in the shop? Your first accident? We can help.

For people who have turned to scooters for gas savings -- or just because they're fun -- you'll be happy to know that the Warren Gray Agency offers coverage for those, too. No matter the engine size, gas or electric, the Warren Gray Agency provides scooter insurance for most street-legal vehicles, offering the same great protection and discounts as our motorcycle coverage.
To get your free quote, just contact the Warren Gray Agency today.

To Get a Quote, contact the Warren Gray Agency.

Your bike fits you perfectly. So should your insurance coverage. You can tweak your policy with these special features.

Some of the features, like First-Accident Waiver, are offered for no extra charge if you're eligible.

Accidents happen-we understand. And we'll prove it to you by forgiving your first accident and not raising your motorcycle insurance premium.
To use this feature, four things need to happen:

1. It has to be the only accident in 48 months where you were at fault-on any motorcycle.
2. Your motorcycle insurance policy with The Warren Gray Agency needs to be at least 48 months old.
3. Both the bike and the driver have to be covered when the accident happens.
4. The covered driver can't be charged with any major traffic violation related to the accident.

You spend thousands getting your bike perfect—a sweet custom seat, crash bars, a windshield, whatever. What happens if it gets stolen or totaled?

If you have insurance through the Warren Gray Agency, this feature can typically help. Your motorcycle insurance policy automatically comes with $1,000 of coverage on after-market upgrades. And you can buy extra coverage that raises the limit up to $30,000.

If your bike breaks down or you're in an accident, don't worry about the cost of getting it home or to the shop. This feature typically reimburses you for the costs of towing and the related labor. Policies for Harley-Davidson, Touring and Touring Sport include this coverage automatically. You can also buy the coverage for other types of bikes.

Having your bike get totaled or stolen is bad enough. What happens if you're still paying for it through a lease or loan?

If you've got Lease/Loan Gap Coverage, We will usually pay the difference between your motorcycle and the balance of your loan or lease. To get this coverage, you need to have Comprehensive and Collision Coverages on the same policy.

If your bike gets stolen or has to spend time in the shop, this feature usually helps cover the cost of a rental.

You can typically take advantage of this coverage only if you've made a claim for Collision or Comprehensive Coverage.

Think you deserve a break? We do, too. We can save you up to 40 percent on motorcycle insurance coverage every year. Check out these discounts:

• "I have more than one bike"
  We'll cut you a deal if your motorcycle insurance policy covers more than one bike, with the Multiple Motorcycle Discount.
• "I have other policies"
  If your auto, homeowners, or condo insurance is through Us, you can save money on all your policies with the Multiple Policy Discount if you are eligible.
• "I'm a good rider"
  You can save big on your premium just for driving safely.
  
  If you've gone more than 60 months without an accident where you were at fault, and during that time you've had no more than one minor violation, the Good Rider Discount is all yours.
• "I'm transferring my policy from another insurance company"
  The Transfer Discount can save you money-just for switching your policy to Us.
• "I belong to a motorcycle organization"
  Talk about membership benefits: With Motorcycle Organization Discount* you can save on your premium just for being in one of the organizations on our list.
  • American Motorcycle Association • BMW Motorcycle Owners of America • Gold Wing Road Riders Association • Gold Wing Touring Association • Harley Owners Group • Honda Riders Club of America • Motorcycle Safety Foundation • Motorcycle Touring Association *Only applies to Bodily Injury Liability and Property Damage Liability coverage premiums.
• "I've taken a motorcycle safety course"
  If you participated in a Motorcycle Safe Driving Program sometime in the last 36 months, you can help lower your premium with this discount. This Motorcycle Safety Course Discount only applies if you took the program voluntarily and passed.

There's no way around it: Anytime you're on the road, there's a chance you might get injured. One of the most important things you can do is make sure your motorcycle insurance coverage can help with medical bills if you should get into an accident.

Medical Payments typically covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers. Some examples of expenses that might be covered include ambulance, hospital, x-ray, dental, and surgical.

If you're hurt in an accident, or worse, expenses could add up faster than you imagine. That's where this coverage can help, with reimbursements for:

• Medical and hospital expenses
• Lost income
• Services you would normally do yourself
• Funeral expenses
• Child care expenses

You're typically covered regardless of who was at fault. Personal Injury Protection is only available in certain states. Take care of your bike and it'll take care of you, right? There are three kinds of motorcycle insurance coverage that typically help get your bike back on the road.

A collision almost always means damage to your motorcycle. And that's just what this coverage is for.
It typically covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree, or a building.

It doesn't always take two vehicles to make an accident. Comprehensive Coverage typically covers your bike if it's damaged by:

• Flooding
• Wind
• Vandalism
• Theft
• Some other reason that doesn't involve a crash with another vehicle

You get to choose the amount of your deductible (the amount you pay before eligible coverage kicks in). Comprehensive Coverage typically covers the cost of repairing or replacing your bike, up to the actual cash value.

If an accident isn't your fault, you don't want to pay for the other guy's mistake. Especially if he doesn't have enough insurance coverage or any at all. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much. If you're in an accident, there's a good chance someone else was involved. And if you're at fault, you'll want strong motorcycle liability insurance.

If you're at fault in an accident and cause damage to others' property, Property Damage Liability Coverage typically covers damages that result from the damage to another person's property when you are at fault. Some of the things you may be liable for include vehicles, private residences, and storefronts and other structures.

If you're at fault in a crash, it might be your responsibility to cover the medical bills for your passenger or the other driver. In a case like that, Bodily Injury Liability typically covers damages that result from the injury or death of another driver or a guest passenger on your motorcycle when you are at fault. Some of the things you may be liable for include medical expenses, lost wages, and pain and suffering. (In most states, bodily injury to guest passengers on your motorcycle is automatically provided under this coverage. In other states, you can pay an additional premium so that Bodily Injury Liability also applies to guest passengers.) *In some states, bodily injury to a passenger is covered separately under Passenger Liability coverage.

Be smart and safe by following some basic motorcycle safety tips from Us.

Before you hit the road after a long winter, give your bike the once-over.

• Test the lights, brakes, and turn signals.
• Check the oil and fuel levels.
• Make sure the mirrors are positioned correctly.
• Check the cables to make sure they aren't worn or frayed.
• Lube the chain and adjust it according to the manufacturer's specs.
• Try a rider-training course to brush up on your skills.

When you're on the open road, there's not much between you and the pavement. Wearing tough gear is always a smart move.

• Pick a high-quality helmet that fits well. If it doesn't have a face shield, pair it up with goggles or glasses with safety lenses.
• Use safety as your excuse to shell out for that leather jacket. Get the pants while you're at it. (We know black and bikes are a perfect match, but a bright color will help other drivers see you better.)
• Wear durable non-slip gloves.
• Invest in boots or sneakers that cover your ankles.

Let's be honest: There's a lot of stuff out there that's bigger than your bike. But there's a lot you can do to help keep yourself safe while riding.

• Always wear a helmet that fits right. Pick one that has the DOT label, which shows that it meets federal safety standards.
• Know your bike's limits.
• Stick to the speed limit.
• Don't tailgate other vehicles.
• Use your signals.
• Be respectful of other drivers. Don't weave through traffic or drive on the shoulder.
• Make sure other drivers can see you. Don't ride in blind spots and always use your headlights.
• Brake smart. Use both brakes at the same time, slow and steady.