Cothran Schoonover Insurance

Motorcycle Insurance

Motorcycle Insurance

What We Do

At Cothran Schoonover Insurance, we do one thing and we do it well.  We provide our customers comparison insurance quotes through multiple insurance companies for all of their insurance needs to help them save money. 


That includes motorcycle insurance.  And because we believe that cheap motorcycle insurance doesn’t have to mean cheap motorcycle coverage, we only write through insurance companies with an insurance rating of A or better according to AM Best.

Customer Service

Customer satisfaction is our main priority.  We go over all of the coverage options to tailor your motorcycle insurance quote to make sure you have the coverage limits to fit your specific needs. 


We offer a wide range of coverage options and can offer you exactly what you are looking for regardless of what type of motorcycle you ride and even if it has custom parts.


Call us today at 434-239-2886 for a free quote!

How We Help

Finding an agent that offers affordable motorcycle insurance rates with the right coverages can be difficult. Additionally, comparing motorcycle insurance quotes yourself can be time consuming and confusing so why not let the experts at Cothran Schoonover Insurance take that burden off of you? Our agents are extremely knowledgeable and ready to help.


Whether you have a good driving record or a few blemishes on your driving record, we have an insurance company just right for you. We have many options to save you money such as Nationwide Insurance,Travelers and we even offer Progressive motorcycle insurance so that we can tailor your quote to fit your needs.

There When You Need Us

If you have ever filed a claim then you know how frustrating it can be to navigate through the sea of menu options, talking to a claims adjuster or figuring out where to get your repairs done.  We want you to call us first so that we may assist you in filing a claim as well as during the claims process.  You may have questions about payments for things like your medical bills or the value of your motorcycle if the claims adjuster deems it a total loss and we are here to help every step of the way.

How To Get A Free Motorcycle Insurance Quote

Call us at 434-239-2886 so that we can customize your motorcycle insurance coverage for you.  Our insurance agents have been doing this a long time and can provide you free comparison motorcycle quotes through all of our companies within 15 minutes. If our quote saves you money, which I think it will, we can issue the policy over the phone and you will be on your way to riding with peace of mind knowing you are insured.

Ease of Doing Business With Us

Our insurance agency wants your experience with us to be as easy as possible which is why we also provide our customers with a Mobile App called Cothran Schoonover CSR24. Through this Mobile App you can see your coverages, have your ID card at your finger tips or even send a change request.

Motorcycle Insurance Discounts

Part of our process is to make sure you are aware of the discounts that you may be eligible for as well as other ways to save money. Some of those ways to save are as follows:

Paperless Discount – you can save $5 to $10 per month, depending on the carrier, by receiving all of your statements via email.


EFT or Automatic Payments – some carriers offer as much as a $10 per month savings for having your premiums automatically drafted from a checking or savings account each month.


Multi-Policy Discount – you can save as much as 40% on your insurance policies by having your Home Insurance, Car Insurance, RV Insurance, Motorcycle Insurance and Life Insurance all with the same insurance company.


Pay In Full – some carriers will reduce your premiums by as much as 10% when you pay in full for the entire 12 months


Higher Deductible – by increasing your deductibles on Comprehensive and Collision you can save money


Safety Courses – some of our motorcycle insurance companies offer discounts for taking motorcycle safety courses.


Motorcycle Riders Association  – if you are a member of a motorcycle riders association like the Harley Davidson HOG association (Harley Owners Group), some companies give you an additional discount for that.

The availability of the above discounts may vary by state and insurance company. Percentage of discounts may be different from one motorcycle insurance company to another per their terms and conditions.

Factors That Influence Your Motorcycle Insurance Rate

Each insurance company has their own unique algorithm to determine what your insurance premium will be. However, the following are the primary factors:


Age – The sweet spot for the lowest motorcycle insurance rate is between the ages of 40 and 60. However, any younger than 25 or older than 70 and typically the rates are higher due to inexperience or slower reflexes.


Riding Experience – if you are just starting out owning a motorcycle and are an inexperienced rider then expect to pay higher insurance premiums even compared to a much younger rider with more experience


Type of Bike – bigger engines and high-performance bikes typically cost more to insure


Marital Status – Insurance companies typically view married couples as being more responsible.


Location – Where you live affects your rate. You can live in the same city but just move to a different zip code and your insurance rate can change.


Driving Record – Clean driving records will pay much lower motorcycle insurance premiums than someone with a DUI or multiple speeding tickets.


Coverages chosen – This one is obvious because the more coverage you add on the more coverages they are charging you for.


Limits and Deductibles – Higher liability limits and lower deductibles will increase your insurance premiums.  However, did you know that having too low of liability limits may also increase your premium? Some companies give you a discount when you switch to them just for having higher liability limits than required by the state with your previous insurance company.


Having prior insurance – If you had a lapse in insurance or never had insurance, insurance companies apply a surcharge to the policy for the first policy term.

Minimum Motorcycle Insurance Liability Requirements

Virginia Minimum Motorcycle Liability Insurance Requirements

$25,000 per person for Bodily Injury Liability Coverage

$50,000 per accident for Bodily Injury Liability Coverage

$20,000 per accident for Property Damage Liability Coverage

North Carolina Minimum Motorcycle Liability Insurance Requirements

$25,000 per person for Bodily Injury Liability Coverage

$50,000 per accident for Bodily Injury Liability Coverage

$25,000 per accident for Property Damage Liability Coverage

Coverages We will review with you

  • Bodily Injury Liability
  • Property Damage Liability
  • Comprehensive Coverage
  • Collision Coverage
  • Uninsured Motorist Coverage
  • Rental Reimbursement
  • Roadside Assistance
  • Accident Forgiveness
  • Minor Violation Forgiveness
  • Medical Expense
  • Loss of Income
  • Coverage for Customizations
  • Full Replacement Cost
  • Original Equipment Manufacturer

Who We Serve

Cothran Schoonover Insurance is a licensed Property and Casualty insurance agency who has been serving Virginia and North Carolina since 1981.