---
title: Motorcycle Insurance | Get a Quote | PJ&C Insurance
description: Get a quote on motorcycle insurance with PJ&C Insurance. Explore our tailored insurance options for residents of AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, and DC today.
---

For more than 50 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

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](/about/insurance-companies), 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](http://www.msf-usa.org/).

### Get a free quote for motorcycle insurance

We'll provide you with a motorcycle insurance quote from an insurer that meets your needs and your budget.

[GET A QUOTE](/insurance/personal/motorcycle-insurance/quote)

[GET SERVICE](/claims-services)

* * *

## About Motorcycle Insurance

Your motorcycle insurance policy can include any or all of the options below. [Call us](/contact) today to discuss 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 Coverage

You can pick the motorcycle insurance coverage that fits your needs. Many insurance companies offer underlying liability limits high enough to satisfy [Personal Umbrella](/insurance/personal/umbrella-insurance) 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](/about/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.

### 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.

#### Money-Saving Tip

If you choose the same insurance company for both your homeowner & auto insurance (called "bundling"), you can get a multi-policy discount, saving you money on both policies.

#### Coverage Tip

It's important to consider having uninsured/underinsured motorist coverage as part of your auto insurance.

This coverage is used when a driver damages your vehicle and doesn't have enough insurance to pay for repairs or replacement.

* * *

## Frequently Asked Questions about everything insurance

### What happens if I need to file an insurance claim?

Always [contact us](/contact) first, so we can best advise you on whether filing the claim makes sense or can adversely impact your future premiums and is best for you to self-insure the loss. Don’t make the mistake of filing a small claim, since all claims stay on your claims record for 5-years, which will impact your insurance premium for a 5-year period. Let our in-house claims advocates help guide you through this process.

### What is a motorcycle insurance insurance policy deductible?

The amount of loss paid by the policyholder. Either a specified dollar amount and/or a percentage of the total value. The larger the deductible, the lower the premium charged for the same coverage, since you are assuming a higher loss amount by taking a higher deductible. Insurance carriers only pay losses above the deductible amount, so if the loss incurred is not substantially above your deductible, it’s usually best to self-insure (i.e., pay the loss yourself out-of-pocket) by not filing it with your insurance carrier.

## What do people think about us? Hear from some actual clients.

![J.W. E.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-1.26763a560ec8c33e538d9a14d02e9af37b878ed2735807d5bbca818b43fecadb.webp)

  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.**

![Teresa H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-1.9cb73af9c1e3961f57515ecda4c9f4e639df0eff922a19dccb73c30bfe4385f4.webp)

  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.**

![Jeremiah H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-2.f0d626a1e52b3f01c2be3c90db4d5d367c60b36ac6f55c3a5fecdb9bccc5bd8b.webp)

  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.**

![Janet F.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-2.8e76c5af7c1582529e66148a1be8aa0a919754e1706a80af3031e295450f4db1.webp)

  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.**

![Russ L.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-3.b43c3cdfeb80d6382a553b4fec3a455754692db1f101fb39711934fad717fb96.webp)

  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.**

![Sharon K.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-3.d6ed73e04052f6ca0a972880370cb7984efa8cba60e0be02698dd483bb838eb6.webp)

  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.**

[MORE REVIEWS](/about/client-testimonials)

## Insurance Articles

from the Pepper, Johnstone & Company blog

[**SaaS Company Insurance: What a BOP Won't Cover** — A SaaS company can sign its first enterprise contract, close a seed round and onboard a dozen employees before anyone asks whether the insurance program actually matches the exposure. — A Business Owner’s Policy covers a slip-and-fall here, a damaged server there. It does _not_ cover a client lawsuit…](/blog/saas-company-insurance-what-a-bop-wont-cover)

[**Professional Liability Insurance for Consultants & Accountants** — A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant. — According to Swiss Re's 2024 Sigma report, U.S. liability claims…](/blog/professional-liability-insurance-what-consultants-accountants-need)

[**General Contractor Insurance: A Complete Coverage Guide** — In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free. — Most people…](/blog/general-contractor-insurance-a-complete-coverage-guide)

[View all articles](/blog)

## Related Types of Insurance

[— Auto Insurance — for drivers](/insurance/personal/auto-insurance)

[— Home Insurance — for homeowners](/insurance/personal/homeowner-insurance)

[— Condo Insurance — for condominium owners](/insurance/personal/condo-insurance)

[— Renters Insurance — for renters](/insurance/personal/flood-insurance)

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