Scooter Insurance — Moped and Scooter Coverage Nationwide

Top 5 Reasons to Consider Scooter Insurance

1. Many states require liability insurance for scooters operated on public roads, even for low-displacement engines.
2. Scooters are vulnerable to theft in urban environments — coverage may help protect your investment.
3. Medical costs after a scooter accident can be significant relative to the vehicle's value.
4. Some scooter riders are unaware that auto policies do not typically extend to two-wheeled vehicles.
5. Comprehensive coverage may protect against weather damage, vandalism, and fire in addition to accidents.

Potential Discounts That May Be Available

1. Bundling / Multi-Policy — Carrying your motorcycle or powersports insurance with an existing auto, home, or renters policy through the same carrier may qualify you for a multi-policy discount.
2. Safe Rider / Good Driver — Maintaining a clean riding and driving record with no at-fault accidents or violations for an extended period may make you eligible for a safe rider discount.
3. Safety Course Completion — Completing an approved safety course, such as one offered through the Motorcycle Safety Foundation (MSF) or a state-recognized defensive riding program, may result in a premium reduction.
4. Membership or Affiliation — Members of recognized riding organizations, clubs, or associations — such as the Harley Owners Group (H.O.G.) or certain military and veteran groups — may be eligible for affiliation-based discounts.
5. Multi-Vehicle — Insuring more than one qualifying motorcycle, scooter, ATV, or powersports vehicle under the same policy or with the same carrier may result in a multi-vehicle discount.
6. Early Signing / Policy Transfer — Signing a new policy before your current coverage expires or switching from another insurer may qualify you for an early signing or transfer discount.
7. Anti-Theft Equipment — Installing qualifying anti-theft devices such as alarms, GPS trackers, or disc locks on your vehicle may help reduce your premium.
8. Mature or Experienced Rider — Experienced riders who have maintained a clean record over a long period may qualify for a mature or experienced rider discount, often available to those above a certain age threshold.
9. Payment Method — Paying your full annual premium upfront or enrolling in automatic payments may qualify you for a payment convenience discount.

Disclaimer: Not all discounts listed above are available from every carrier or in every state. Discount availability, eligibility requirements, and amounts are subject to change without notice. This is a partial list only — additional discounts may or may not be available depending on the carrier and your specific circumstances. Ask a representative about discounts that may apply to your policy.