For more than 55 years, Pepper, Johnstone & Company has been trusted with insuring families and businesses. We partner with 60+ insurance companies so that you can consider options that provide the most appropriate protection.
Motorcycle Insurance Alabama
from Pepper, Johnstone & Company
If you live in Alabama, chances are Pepper, Johnstone & Co. covers what you ride. Pepper, Johnstone & Co. insures a full spectrum of motorcycles from street cycles, Harley-Davidsons, cruisers and touring bikes, to dirt bikes and ATVs.
You May Qualify for Discounts
One of the great advantages of having your motorcycle coverage through a major insurance company like the ones we represent is that you may save money by having more than one policy with us. Our agency will be able to help calculate how much money you can save. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation.
About Motorcycle and Off-Road Vehicle Insurance
Your motorcycle insurance policy can include any or all of the options below. Call us today for a free quote or coverage review, and we can discuss the policy details to help you choose what coverage is best for you.
Custom Parts and Equipment
If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.
Roadside Assistance
Your motorcycle insurance policy can provide you with a roadside assistance benefit of up to $300 per breakdown.
Liability Insurance Coverage
You can pick the motorcycle insurance coverage that fits your needs. In Alabama, the minimum liability requirement is $25,000 bodily injury liability per person, $50,000 bodily injury liability for two or more persons, and $25,000 property damage liability coverage. Many insurance companies offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection. Pepper, Johnstone & Co. works with multiple insurance companies, so we can provide you with multiple motorcycle insurance coverage options at rates you can afford.
Medical Coverage
This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident, and when carrying passengers, they should ride in a dedicated seat when applicable.
Uninsured/Underinsured Motorist Coverage
This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.
Frequently Asked Questions
About Motorcycle Insurance
Motorcycle insurance can provide coverage for damage and liability risks associated with riding a motorcycle. Collision coverage can help pay for repairs after an accident, while comprehensive coverage can protect against covered non-collision damage such as theft and vandalism. Standard car insurance does not automatically insure every motorcycle or other vehicle the same way specialized coverage does.
Yes. Alabama requires motorcycle owners to carry liability insurance. The required coverage includes bodily injury liability and property damage liability coverage. Alabama follows a strict contributory negligence rule, which can affect what a rider may recover after an accident on the road. Proof of insurance is also needed to register a motorcycle.
Some standard motorcycle insurance policies include limited coverage for custom parts and accessories. Additional coverage may be available depending on the policy and the motorcycle's specific equipment.
Uninsured motorist coverage can provide important protection and greater peace of mind when a rider is involved in an accident with an uninsured driver. This coverage can help address certain injuries and losses resulting from an accident with an uninsured motorist.
Motorcycle insurance rates can be influenced by factors such as driving history, location, accident history, the type of motorcycle, the rider's age and experience, and prior claims, which can raise the cost of coverage. Insurers may also offer a range of savings, including discounts for a rider who is a member of certain motorcycle groups. High-performance sports bikes may have different insurance considerations than other motorcycles.
Motorcycle riders in Alabama must be at least 16 years old and have a Class M license to operate a motorcycle on the road, and they should follow road-use rules such as carrying passengers only when the bike has the proper passenger accommodations. They should also meet visibility and equipment requirements, including compliant headlights. Riders should also maintain the required insurance coverage and provide proof of insurance when registering their motorcycle, whether they insure a street motorcycle or another bike used in Alabama.
What do people think about us?
Hear from some actual clients.
on Google
We recently switched our home and auto policies to Pepper, Johnstone & Co and have had a great experience. Their entire team is not only knowledgeable but down to earth and willing to share their time, tips and creative ideas. They’ve helped us to achieve to comprehensive protection at the lowest possible cost. I would recommend Pepper, Johnstone and Co to anyone.
— J.W. E.
on Google
I am always pleased with the gracious and prompt responses to my insurance inquiries, to my specific insurance needs regarding several policies with Pepper, Johnstone & Company. The staff, especially Lauren Hart, makes every effort to take care of my insurance needs, addressing many concerns. I could not be more pleased and feel more secure knowing these folks are taking care of business for me and in my best interest.
— Teresa H.
on Google
Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them.
— Jeremiah H.
on Google
This is a great company to work with! Casandra did an excellent job making sure my claim was completed in a timely manner. Julie is always there to help me any time I need to make changes to my insurance needs. The staff is always professional to work with. I trust Pepper, Johnstone & Company with all my insurance needs and have for many years.
— Janet F.
on Google
I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.
— Russ L.
on Google
I have dealt with Pepper Johnstone and company in the past and have always had a good experience. This past week I needed a policy, I called Julie and she efficiently, and promptly quoted and bound coverage on the property. I would highly recommend Pepper Johnstone.
— Sharon K.
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