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Connect (formerly Ameriprise) motorcycle insurance review Aug 2021

No-fuss coverage for your new or classic bike, plus personal customer service

finder.com’s rating: 4.5 / 5.0

★★★★★

  • Get a quote if you need classic bike coverage or have Costco home or auto insurance.
  • Pick something else if you prefer online-based customer service.
  • Riders with classic or brand-new bikes can apply.
Avatar
Sarah George
Last Updated

Included free

Roadside assistance

Accident forgiveness

Details

States served Alabama, Arizona, Arkansas, Colorado, Delaware, District of Columbia, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin
Roadside assistance Included free
Pay schedule 6 months, custom
Claims methods online
Accident forgiveness Yes (extra bought feature)

Pros

  • Personal customer service
  • Bundle insurance products
  • Classic bike coverage

Cons

  • No online quotes
  • No online claims
  • Website is not very informative
  • Coverage for limited motorcycle types

Review by

Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Connect offers basic motorcycle insurance to its customers. Since the company partners with Costco for home and auto insurance, Costco members can also enjoy discounts on those policies while keeping their insurance needs in one place.

However, Connect offers very little information about its motorcycle insurance on its website, and doesn’t currently provide online account management.

How do I apply for Connect motorcycle insurance?

Connect keeps its quoting process personal with a simple phone call:
Phone. To get a motorcycle quote, call a representative at 800-297-8136.

What info do I need to apply?

Keep several pieces of information handy when talking to an Connect representative:

  • Personal information: home address, phone number, date of birth
  • Driver’s or motorcycle license number
  • Motorcycle details: make, model and license plate number
  • Driving history
  • Choice of coverage
  • Payment information

What discounts can I get with Connect?

Connect offers several auto discounts you might qualify for as a motorcycle rider:

  • Accident-free discount. Keep your record accident free for three consecutive years — even more discounts for six years or more.
  • Accident rating. Have to file an accident claim? Get a reduced premium surcharge every year you’re accident free, up to three years.
  • Defensive driver. Complete a refresher defensive driving course with your state’s DMV.
  • Safety features. Get rewarded for having features like antilock brakes or antitheft devices on your bike.
  • Garage storage. Keep your bike in a garage for added theft protection.
  • Multivehicle. You may be eligible for this simple discount if you insure more than one vehicle.
  • Tenure. Get rewarded for sticking with Connect for three years.

What motorcycle insurance coverage does Connect offer?

Connect offers standard motorcycle coverage through its partners that will get you on the road:

  • Bodily injury liability. Pays for injuries to the other driver or passengers involved when you’re at fault.
  • Property damage liability. Covers vehicle damage and other property damage hit during a collision.
  • Collision. Protects you from paying for motorcycle damage out of pocket after an at-fault accident.
  • Comprehensive. Covers noncollision damages, such as accidents with animals, stormy weather or falling tree branches

Alternatives to Connect

Name Product Roadside assistance Accident forgiveness Available states
Allstate motorcycle insurance
Allstate motorcycle insurance
Included free
Yes
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
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Progressive motorcycle insurance
Progressive motorcycle insurance
Optional
Yes
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
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Liberty Mutual motorcycle insurance
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
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What types of motorcycles does Connect cover?

The company keeps its motorcycle coverage limited to these specialty bike types:

  • Brand new motorcycles
  • Classic bikes

Pros and cons of Connect motorcycle insurance

Pros

  • Personal customer service. This company keeps communication personal by offering simple phone support for quotes and claims.
  • Classic bike coverage. Unlike with some competitors, you can get classic bike coverage at Connect.
  • Costco partner. Connect provides discounted home and auto insurance to Costco members. If you already have a membership, you can bundle your insurance.

Cons

  • Website lacks details. The website gives few details about its motorcycle coverage.
  • No online quotes. To get a quote from Connect, you’ll need to speak with a representative directly. However, this could result in a more accurate, customized quote.
  • No online claims. Like the quoting process, you have to file claims through phone support as well.
  • Limited motorcycle types. Connect encourages brand new and classic bike owners to apply for motorcycle insurance.

How to make a claim with Connect

Like its application process, filing a claim with Connect is a personalized experience that can only be done through your agent. Simply call 800-872-5246 to receive help from a claims representative.

Frequently asked questions about Connect motorcycle insurance

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