Franklin Insurance Agency

2345 Southern Blvd SE Ste C4,
Rio Rancho, NM 87124, United States

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Insurance Tips for Vintage Motorcycle Owners

Essential Insurance Tips for Vintage Motorcycle Owners in Rio Rancho, NM

Owning a vintage motorcycle is an exhilarating experience. Nevertheless, it presents unique insurance considerations. At Franklin Insurance Agency, serving the greater Rio Rancho, NM area, we are here to offer some crucial tips for vintage motorcycle owners:

Specialized Coverage

Vintage motorcycles often necessitate specialized insurance coverage. This is tailored to their unique value and historical significance; standard motorcycle insurance won’t adequately protect rarities and valuables.

Agreed Value Policy

You should consider an agreed-value policy over an actual cash-value one. This type of insurance ensures that an agreed-upon amount will be paid in the event of a total loss.


To determine its genuine value, obtaining a professional appraisal for your vintage motorcycle is important. This report is critical when negotiating coverage options with your insurance provider.

Mileage Restrictions

Some vintage motorcycle insurance policies might come with mileage restrictions. Understanding any limitations on your bike’s usage is essential to shape your coverage needs.

Safety and Security Measures

Installing anti-theft devices, alarm systems, and GPS tracking devices adds an extra layer of protection and can also help lower your insurance premiums.

Rider Qualifications

Ensure your vintage motorcycle policy covers all potential riders. Some policies might implement age or experience prerequisites for insured riders.

Protecting your vintage motorcycle with the right insurance coverage is instrumental in safeguarding your investment and providing peace of mind. For a personalized approach and comprehensive coverage solutions in the greater Rio Rancho, NM region, contact the team at Franklin Insurance Agency today.