Common Problems Riders Face
Many motorcycle owners struggle to find coverage that’s both affordable and complete. Common issues include:
- High premiums that don’t reflect your riding habits or experience.
- Limited policy options that exclude accessories or custom parts.
- Confusing terms that make it unclear what’s actually covered.
- Impersonal service from national companies that don’t understand the local community.
At D. M. Johnson Insurance, we do things differently. As your local motorcycle insurance broker in Middletown, CT, we work with multiple top-rated carriers to find the best coverage and rates available. Our friendly, knowledgeable agents take time to explain your options clearly, ensuring you get protection that truly fits your needs and budget.
Why Choose D. M. Johnson Insurance?
We’re more than just a motorcycle insurance company in Middletown, CT—we’re your local partners in protection. Riders choose us because we offer:
- Tailored coverage options designed for every type of motorcycle.
- Competitive pricing with discounts for safe drivers, on-time payments, safety courses, and more.
- Comprehensive protection, including full replacement cost, OEM parts, medical payments, and accessory coverage.
- Personalized service from local agents who genuinely care about our community and our clients.
When you insure with D. M. Johnson, you’re not dealing with a call center—you’re speaking directly with a trusted local expert.
Motorcycle Insurance Coverage Options
Liability Insurance
Motorcyclists face unique risks on the road. Liability insurance protects you if you’re found at fault in an accident, covering medical expenses, property damage, and legal costs. It’s one of the most important types of insurance for motorcycles in Middletown, CT, and helps you ride responsibly and confidently.
Collision Coverage
If your motorcycle is financed or leased, collision coverage is often required. This policy helps cover repair or replacement costs if your bike is damaged in an accident or fall. Our team can help you determine whether this coverage fits your budget and your bike’s value.
Uninsured/Underinsured Motorist Coverage
Unfortunately, not every driver on the road is fully insured. This coverage protects you and your passengers if you’re hit by an uninsured or underinsured motorist—covering damages and medical costs that the other driver’s policy won’t.
Medical Payments Coverage
Riding can be unpredictable. Medical payments coverage helps pay for treatment expenses for you and your passengers after an accident, regardless of fault. It’s a smart add-on, especially if you don’t have separate health insurance.
Coverage for All Types of Motorcycles
As a trusted bike insurance company in Middletown, CT, we provide protection for a wide range of motorcycles, including:
- Scooters and mopeds
- Cruisers and touring bikes
- Street and sport bikes
- Trikes and custom motorcycles
- Classic and vintage models
Our Middletown, CT motorcycle insurance policies cover much more than just repairs or replacements. You can also include coverage for:
- Bodily injury or property damage you cause in an accident
- Theft, vandalism, or fire damage
- Water or smoke damage while your bike is in storage
Accessories and custom parts
Protect More Than Just Your Motorcycle
- M. Johnson Insurance is your local, full-service agency—offering coverage for auto, home, business, life, and disability insurance. Whether you’re updating your current policy or switching providers, our team will guide you every step of the way.
Call 860-436-5339 today to speak with one of our friendly local agents or request a quote online. Discover why riders trust D. M. Johnson Insurance—the motorcycle insurance company Middletown, CT residents rely on for expert advice, great rates, and personal service.
