To add motorcycle insurance to an existing Progressive auto policy, log into your online account or call Progressive's customer service, request a policy endorsement for a motorcycle, provide the bike's VIN, usage details, and driver information, then review the combined quote before finalizing the change.
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Why Bundle Motorcycle and Auto Coverage
Bundling both vehicles under one policy can simplify billing, give you a single deductible, and may qualify you for multi‑vehicle discounts that reduce overall premiums.
Steps to Add Motorcycle Coverage
1. Gather Required Information
- Motorcycle VIN (Vehicle Identification Number)
- Year, make, model, and engine size
- Primary rider's driver's license number and driving history
- Typical mileage and primary use (commuting, recreation, etc.)
2. Log In or Call Progressive
Use the Progressive website or mobile app to navigate to "Policy Services" → "Add or Remove Coverage." If you prefer speaking with an agent, call the number on your insurance card.
3. Request a Motorcycle Endorsement
Specify that you want to add a motorcycle endorsement to your existing auto policy. The system will generate a quote that reflects combined liability limits, optional coverages, and any applicable discounts.
4. Review Coverage Options
Progressive offers several optional coverages for motorcycles, such as:
- Comprehensive and collision
- Uninsured/underinsured motorist protection
- Medical payments
- Accessory coverage for custom parts
Decide which options match your risk tolerance and budget.
5. Confirm and Pay
Once you accept the quote, the endorsement is added instantly for online changes, or the agent will finalize it after a brief verification call. Your next billing cycle will reflect the updated premium.
Key Factors to Evaluate
When adding a motorcycle, consider how the new vehicle affects your overall liability limits, deductible amounts, and any state‑specific requirements for motorcycle insurance. Also, verify that your existing deductible applies to both auto and motorcycle claims if you choose a shared deductible.
Comparison of Common Endorsement Options
| Option | Coverage Scope | Typical Use Cases |
|---|---|---|
| Liability Only | Pays for bodily injury and property damage you cause | Required in most states, low‑cost baseline |
| Liability + Comprehensive | Includes theft, fire, vandalism, and weather damage | Riders in high‑theft or severe‑weather areas |
| Full Package | Liability, comprehensive, collision, medical payments, uninsured motorist | New riders or those seeking maximum protection |
Where to Find Help
If you encounter issues, Progressive's online chat, the "Help Center" knowledge base, and local agents can assist. For state‑specific regulations, consult your state's department of motor vehicles or insurance division.