Motorcycle Insurance
"Because automobile policies don't cover your bike"


Motorcycle Insurance Quote Form


Motorcycle Insurance

Why choose Cobos for your motorcycle insurance?  Because we can offer customizable coverage to suit your needs. We can provide insurance for most motorcycles, including cruisers, sport bikes, touring bikes, dirt bike, mopeds, scooters, ATVS – even classic bikes.

Whether you want to ride year round or prefer to utilize our winter “lay up” period, we can help you. We can offer liability limits from state minimums up to $250/$500,000/$100,000.  If you want higher liability limits, we can even look into securing you an umbrella policy.

Have a custom paint job or accessories?  No worries, will can provide you will the additional coverage you need.  We can even offer things like total loss coverage, so if your bike gets stolen or totaled you can sleep well knowing our carriers can get you a new one just like the original.

Have an antique/ vintage bike you like to take to shows or enjoy working on?  We have special policies just for you.  We even offer coverage for spare parts and tools. So all those extra parts lying around in your garage, we’ll cover them.


Additional Add-ons:

In addition to your base policy, we offer many endorsements to further customize and enhance your coverage. Listed below are a list of our most common coverages.

  • Transport Trailer Coverage:  Comprehensive and collision coverage for trailers used to transport a covered bike.  We can insurance trailers up to $7500. 
  • Replacement Total Loss Coverage: Replacement coverage for bikes  purchased new and totaled within the first 24 months
  • Optional Equipment Coverage:  Additional insurance for any trailer or parts, decorations, custom painting, chroming, sidecar or other items not originally provided by the manufacturer as standard equipment.
  • Towing and Labor:  Coverage for towing, tire changes, Battery service, Fuel Delivery.


What Information do I need for a quote?

  • Driver DOB, SSN and DL #
  • Year, make and model of bike
  • Cubic Centimeters of bike
  • Do you have your motorcycle endorsement?


Frequently Asked Questions:

Q. What can I do to reduce my rate? 
A. We know that toys can get expensive, that is why our carriers have lots of different discounts. Some of our most common include multi-bike discount, organization discounts, motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state


Q. When is your layup period?  
A. 3 month (the complete months of December, January and February) 5 month (the complete months of November, December, January, February and March).


Q.  Can I get a discount for taking a motorcycle safety course?
A. Yes, you can get up to 10% off if you have taken a safety course in the last three years



When it comes to insuring your motorcycle in the Cleveland Ohio area, we have it figured out for you. We have worked with hundreds if not thousands of riders over the years and we have been able to help them with their insurance needs. When you're riding down the road, wind surging all around you, you get ride with a smile on your face knowing that you have your bike and yourself insured to the best of your ability. You will have the peace of mind knowing that if something happens to you or your bike, you will both be taken care of. We know that riders care as much, if not more, about their bike than themselves! We will take care of your bike, no need to worry. 


If you've read this far, you should have a better understanding of what you need to look for in your motorcycle insurance coverage, and you should also know by now that we are your go to insurance agency when it comes to insuring and protecting riders in Cleveland and beyond. You may also be asking yourself, how can I better protect myself while I ride in addition to insuring my bike? Well, one of the best ways you can protect yourself and your family, is to utilize a life insurance policy in case something were to happen to you. No one wants to think about it, let alone talk about it, but the reality is that you have chosen somewhat of a risky hobby. You likely go to great lengths and take the proper precautions to make sure that you stay safe, but that doesn't mean that the other drivers on the road will take the same precautions and unfortunately it only takes on bad day to change your family's lives forever. We can't replace you, but we can remove the financial burden they could face by helping you put in place the best life insurance policy for your unique situation. We encourage you to read more about life insurance and how it may fit into your overall insurance plan. You may even qualify for discounts on your motorcycle insurance by taking out a life insurance policy!

Cobos Insurance is the premier motorcycle insurance agency for the Cleveland Ohio area. We are also proudly serving Ohio and Kentucky, especially the local communities of Elyria, Lorain, Medina, Avon Lake, Avon, Sheffield, Vermilion, Wakeman, Westlake, Rocky River, and North Ridgeville.