Riding a motorcycle in Colorado is more than just a way to get around — it’s an experience. From winding mountain roads to stunning open highways, the Centennial State offers an unmatched thrill for motorcyclists. But with great adventure comes great responsibility, and that includes making sure your Colorado motorcycle insurance is spot on.
Whether you’re new to riding or have years of experience, it’s easy to overlook small details that can cost you big time. In this blog, we’ll break down seven costly mistakes riders make — and how to avoid them — so you can protect your ride and your wallet.
1. Not Shopping Around for Colorado Motorcycle Insurance
You might be tempted to go with the first quote you get, especially if it seems reasonable. But here’s the thing — not all insurance policies are created equal. Rates for Colorado motorcycle insurance can vary dramatically between providers.
Tip: Compare at least 3–5 quotes and look beyond just the premium. Consider coverage limits, customer service reviews, and claim response times.
Need help comparing? Check out our insider tips on lowering your car insurance rates in Colorado — many apply to motorcycles too!
2. Choosing the Minimum Coverage (And Nothing More)
Yes, Colorado law requires you to carry motorcycle insurance. But just because the minimum coverage is legal doesn’t mean it’s enough.
Many riders only purchase liability insurance, thinking it’s the smart way to save. But if your bike is stolen or you’re in an accident with an uninsured driver, basic coverage won’t do you much good.
Why It Matters for Colorado Motorcycle Insurance
Motorcycle theft and weather-related damages aren’t uncommon in Colorado. Adding comprehensive or collision coverage might bump your premium slightly, but it could save you thousands down the line.
3. Forgetting to Disclose Modifications
Love custom handlebars, a louder exhaust, or a new performance chip? We get it — customization is part of motorcycle culture. But if you don’t tell your insurance provider about those mods, you could be in for a nasty surprise when you file a claim.
Even aesthetic changes like paint jobs or LED lighting should be disclosed. Your Colorado motorcycle insurance needs to reflect your bike as it truly is, not just how it came off the lot.
4. Skipping Uninsured/Underinsured Motorist Coverage
Colorado has a decent number of uninsured drivers, which makes this mistake one of the riskiest.
If you’re hit by someone without insurance — or not enough of it — you’ll be stuck footing the bill unless you have uninsured/underinsured motorist coverage. It’s not mandatory, but it’s highly recommended.
Protect Your Ride and Your Health
Medical bills, bike repairs, lost wages — uninsured coverage helps with all of it. For just a few extra bucks a month, it’s peace of mind that pays off big in worst-case scenarios.
5. Ignoring Discounts and Bundling Opportunities
Insurance companies love rewarding low-risk behavior, but most riders don’t take advantage of the discounts available to them. Did you know you can lower your Colorado motorcycle insurance premium by:
Taking a motorcycle safety course
Bundling with auto or homeowners insurance
Maintaining a clean driving record
Installing anti-theft devices
Ask your insurer what discounts you might qualify for — you could save hundreds a year just by asking the right questions.
6. Letting Your Policy Lapse
Life gets busy. Bills get missed. But letting your motorcycle insurance lapse, even for a few days, can lead to big issues:
Higher premiums in the future
Fines from the state
Risk of being uninsured during a crash
If you’re taking a break from riding, call your insurer instead. They may offer a “lay-up” policy that covers your bike while it’s in storage — keeping your coverage active without breaking the bank.
7. Not Updating Your Policy After Major Life Changes
Moved to a new city in Colorado? Got married? Changed jobs?
All of these can affect your insurance rate — for better or worse. If your provider doesn’t know about changes in your lifestyle, they can’t adjust your policy accordingly.
Keep Your Colorado Motorcycle Insurance Current
Updating your insurer might even reduce your premium. Some ZIP codes have lower claim rates. A change in commute distance or riding frequency can also save you money. It’s all about keeping your policy up-to-date and relevant to your current life.
Final Thoughts: Be a Pro With Your Policy
Motorcycle insurance isn’t just a checkbox — it’s a financial safeguard. Avoiding these seven common (and costly) mistakes will help you get the most out of your Colorado motorcycle insurance policy.
Remember: your insurance should reflect you — your bike, your lifestyle, and your unique riding needs in Colorado.
Ready to Reassess Your Coverage?
If you’re unsure whether you’re overpaying or under-covered, don’t wait until after an accident to find out. Get a personalized review of your Colorado motorcycle insurance policy today.