There is no feeling in the world like riding a motorcycle… Wind in your hair, fresh air all around, nature, trees, and the knowledge that there’s deadly asphalt looming just 6 inches away from you, can fill you with a feeling of exhilaration usually reserved only for Russian Roulette.
The obvious image of a biker does of course bring to mind leather jackets, chaps, and rough looking individuals, but over the years the sport of motorcycling has become more mainstream. Lawyers do it, Referees do it, even educated MDs do it.
CONTACT US FOR MOTORCYCLE INSURANCE
Let’s get into it… shall we? Why should O’Nail Hartman be your source for motorcycle insurance in Ohio?
Motorcycle Insurance Basics
Motorcycle insurance is a type of coverage that protects you and your motorcycle in case of an accident or theft. Similar to car insurance, it offers financial protection against potential losses.
Who Needs Motorcycle Insurance? Most states require motorcycle owners to carry a minimum amount of liability insurance. This means if you cause an accident, the insurance will cover the damages you inflict on others. Even if it’s not mandatory in your state, it’s highly recommended to have coverage to protect your financial well-being.
What Does Motorcycle Insurance Cover? There are several types of motorcycle insurance coverage:
Liability Insurance: This is typically required by law. It covers bodily injury and property damage caused to others in an accident that is your fault.- Collision Insurance: Covers damage to your motorcycle in a collision, regardless of who is at fault.
- Comprehensive Coverage: Protects your motorcycle from damages caused by theft, vandalism, fire, natural disasters, and other non-collision incidents.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re injured by an uninsured or underinsured driver.
- Medical Payments Coverage: Covers medical expenses for you and your passengers, regardless of who is at fault.
How Much Does Motorcycle Insurance Cost? The cost of motorcycle insurance varies depending on several factors:
- Your age and riding experience: Younger and less experienced riders typically pay higher premiums.
- Your motorcycle’s value: Higher-value motorcycles generally cost more to insure.
- Your location: Insurance rates can vary by state and even by city.
- Your driving record: Accidents and traffic violations can increase your premiums.
- Your coverage options: The more coverage you choose, the higher your premium will be.
Additional Tips
- Compare quotes: Get quotes from multiple insurers to find the best deal.
- Consider your needs: Assess your financial situation and riding habits to determine the right level of coverage.
- Review your policy regularly: Make sure your coverage aligns with your current needs.
- Remember: This is a general overview, and specific coverage options and costs can vary. It’s essential to contact an insurance agent to get personalized advice based on your situation.
CONTACT US FOR MOTORCYCLE INSURANCE
Why Riding in Southeast Ohio is so great (geo locations, windy 9)
Living in Southeast Ohio offers some truly amazing opportunities to ride! Beautiful weather 9 months of the year, motorcycle clubs and biker organizations, isolated windy paved roads in abundance, are all sure to make any bike enthusiast excited to dust off the old iron horse and hit the open roads of Athens and Hocking Counties.
Bike Shops:
Athens Sports Cycles: 165 Columbus Rd., Athens, OH 45701 (800) 592-4464.
Athens Sports Cycles is a long time staple of the Athens riding community, and features a stocked showroom with such brands as Kawasaki, Suzuki, Yamaha, Benelli and more. They also have a service department for motorcycle repairs, and have a full line of accoutrements such as helmets, gloves, and motorcycle accessories.
Athens Harley Davidson: 165 Columbus Rd., Athens, OH 45701 (800) 592-1692
The Athens Harley Davidson has everything one could expect from a Harley shop and has an extensive list of new and pre-owned Harley Davidson motorcycles. They also do repair. This shop is located in the same plaza area as Athens Sports Cycles above, so this particular section of Columbus Road is heaven in Athens, if you are a biker that is.
Top Dog Performance Cycles: 12831 Grey St, Logan, OH 43138
Logan Ohio (and Hocking County in general) is one of the best places to ride in the country, and of course part of our service area here at O’Nail Hartman Insurance. Top Dog offers repairs, new and used inventory, and is always happy to chat bikes and offer helpful advice on the best routes in the region. This shop has no website that we can find.
Don Wood Polaris & Victory: 1 Townsend Place, Athens, OH 45701 (740) 276-3860
This shop tucked away off East State Street near Kroger on the east side of Athens focuses more on ATVs, off-road vehicles, side by sides, but do have some motorcycles and accessories.
Motorcycle Clubs:
The Athens Motorcycle Club hosts local community events in Athens as well as schedules group rides, and acts as a social club for gear-heads. This Facebook page has been idle since Fall of 2023 and their main website is offline, but they may be worth reaching out to just in case some events are still in the works! There’s also the Horse Creek Motorcycle Club if you are on TikTok.,
Fast Traxx Motoplex: 5999 Warren Drive, Nelsonville, OH
Drive up Route 33 about 3 miles from Athens to Nelsonville, and just as you pass the Plains, you will see the Fast Traxx Motoplex on your right, you honestly can’t miss it! This several acre race track hosts professional and semi-professional bike races in several classes, Fast Traxx Motoplex offers a variety of ways for off-road motorcyclists to enjoy their sport, including a SX track, a Motocross track, and a Grad Prix course, typically from April to October.
Smiling Skull: 108 W. Union St, Athens, OH,
The Smiling Skull is a dive bar in Athens that has a full compliment of beers and liquors, live music, and is very friendly to the biker community. Check out their Instagram here.
The Windy 9:
Ohio’s Windy 9 is a motorcycling destination comprised of 9 routes that begin and end in Athens, Ohio. The abundance of curves and elevation change along these roads make this a popular destination for motorcyclists. This ambitious project is an effort of the Athens County Visitors Bureau, and is yet another effective method of drawing tourists and visitors to our area. Download the maps from their website, and stop by one of their many gatherings and events.
Photo by Joel Prince at the Athens County Visitors Bureau
Would you like to know more about specific coverage options or how to get quotes? Interested on how insurance differs based on if you live in Athens, Logan, Albany, Chauncey, the Plains, or Nelsonville Ohio? Give us a call today and we’d be happy to help you out.
