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Motorcycle Insurance in Northern Colorado

Protection for Every Rider

Whether you ride a cruiser, sport bike, or touring motorcycle, the right insurance is essential. Not only is it required by law in most states, but it also protects you, your passengers, and your bike from unexpected costs. At Chris Covers Your Assets, we make motorcycle insurance in Northern Colorado simple — giving you coverage that fits your bike, lifestyle, and budget.

What Motorcycle Insurance Covers

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Liability Coverage

Required by law, liability coverage pays for injuries or property damage you cause to others while riding.

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Collision Coverage

Helps repair or replace your motorcycle if it’s damaged in a collision with another vehicle or object.

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Comprehensive Coverage

Covers theft, vandalism, fire, weather damage, or other non-collision events that can damage your bike.

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Medical Payments

Provides coverage for medical bills if you or your passengers are injured in a motorcycle accident.

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Uninsured/Underinsured Motorist Coverage

Protects you if you’re hit by a driver with no insurance or too little coverage to pay for your losses.

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Guest Passenger Coverage

Many policies include protection for passengers riding with you, covering medical expenses and related costs.

Benefits of Motorcycle Insurance

Motorcycle insurance does more than meet state requirements — it gives you peace of mind every time you hit the road. From medical coverage for riders and passengers to protection against theft or weather damage, the right policy ensures you can ride confidently. Chris will walk you through your options so you understand exactly how your coverage works.

Frequently Asked Questions

  • Does the type of motorcycle affect insurance rates?

    Yes. Sport bikes and touring motorcycles usually cost more to insure than standard or cruiser bikes due to their higher performance and value.

  • Will my driving record impact my premiums?

    Yes. A clean driving record usually results in lower rates, while past accidents or violations can increase your premiums.

  • Is motorcycle insurance required in Colorado?

    Yes. Colorado requires minimum liability insurance for motorcycles, but most riders choose additional coverage for better protection.

  • Does motorcycle insurance cover passengers?

    Yes. Many policies include guest passenger coverage, helping pay medical expenses if someone is injured while riding with you.

With nearly 30 years of experience, Chris Young Agency helps riders across Northern Colorado and throughout Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona get the motorcycle coverage they need. Whether you ride daily or just on weekends, we’ll match you with protection that fits your lifestyle.

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