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Wilcoxon Insurance, Inc.

4804 S. Minnesota Ave., Ste 103
Sioux Falls, SD 57108

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Types of Motorcycle Insurance

At Wilcoxon Insurance Inc., we offer motorcycle insurance coverage for residents of Sioux Falls, SD, as well as other types of insurance coverage. 

Types of Motorcycle Insurance 

Liability Motorcycle Coverage 

Just like cars, motorcycles should have liability coverage. This includes bodily injury liability, which covers injuries to the other parties in an accident that is your fault. 

It also includes property damage liability, which covers damage to the other driver’s property if you are at fault. 

Under/Uninsured Motorist coverage is also included. If the other party is at fault and doesn’t have insurance coverage, this coverage pays your medical expenses and damage to your bike. 

Comprehensive and Collision Coverage 

If you have a lien on your bike, comprehensive and collision coverage is required. Even if it’s not required, this insurance can be a smart investment. 

Comprehensive coverage covers damage to your bike when it’s not on the road. This includes vandalism and theft. Collision coverage will cover the damage to your bike if an accident is your fault.

Medical Payments Coverage 

Medical payments coverage will cover the medical bills of you and your passenger, no matter who is at fault in the accident. 

Other Types of Coverage 

One optional type of coverage is total loss coverage. This typically applies to bikes 2 years old or less. If your bike is totaled, the policy will cover the retail price of a new bike of the same model. 

Roadside Assistance and Trip Interruption 

 Nothing ruins a trip like problems with your bike. This coverage will provide roadside assistance if your bike breaks down. Trip interruption can provide you with money to cover expenses including food and shelter if your bike malfunctions while you are away from home. 

Motorcycle Insurance at Wilcoxon Insurance Inc.

If you need motorcycle insurance in Sioux Falls, SD, contact us at Wilcoxon Insurance Inc. Our agents are here to help you choose the right coverage and meet all your insurance needs. 

Protect Your Motorcycle Year-Round

If you’re a motorcycle enthusiast, you know the importance of protection for your ride. Whether it is from theft, weather, or other damages, protecting your motorcycle year-round is a must. But how do you ensure that your bike is covered no matter what?

Let’s look at what you need to know to ensure your motorcycle all year long:

Insurance Options

The most important way to protect your bike year-round is to get the right insurance coverage. Wilcoxon Insurance Inc., serving the greater Sioux Falls, SD community, offers comprehensive insurance packages tailored specifically for motorcycles. Our policies include liability and physical damage coverage and customized options like roadside assistance and theft protection.

Seasonal Maintenance

It’s also essential to keep up with regular maintenance on your motorcycle during each season. This includes regularly checking the tire pressure, oil levels, battery life, and other components. Doing this will help keep your motorcycle running smoothly and also help prevent any major issues from arising. It’s also a good idea to have a professional inspect your bike once or twice a year to ensure everything is working properly and that there are no hidden issues that could be dangerous when riding on the road.

Weatherproofing Tips

Finally, if you live in an area where extreme weather is common, like Sioux Falls, SD, it’s essential to take extra precautions when storing or riding your bike during inclement weather. Make sure you keep it in an enclosed garage or shed when not in use, and don’t ride during heavy rain or snow storms if possible. Additionally, use products such as waterproof covers or waxes specifically designed for motorcycles to protect them from water damage and rusting due to moisture exposure over time.

Contact Us Today

If you have any questions about protecting your motorcycle year-round in Sioux Falls, SD, contact Wilcoxon Insurance Inc today! We’re ready and willing to answer any questions about protecting your ride!

Don’t Skip Storage Insurance For Your Motorcycle During the Harsh Winter

One thing you definitely don’t want to skip is storage insurance for storing your motorcycle during the frigid Sioux Falls SD winter. Sure, your motorcycle might be in storage and not being used, but that doesn’t mean it’s not at risk. Anything can happen while your bike is in storage, from theft to weather damage.

What is storage insurance?

Storage insurance is coverage that helps protect your motorcycle while it’s off the road. This can include things like weather damage, theft, and more. It’s important to have this type of coverage because it can help you avoid having to pay out of pocket for any damages that occur while your bike is in storage.

How much does storage insurance cost?

The cost of storage insurance will vary depending on a few factors, including the value of your motorcycle and the time it will be in storage. However, it’s often fairly affordable and can give you peace of mind knowing your motorcycle is protected.

Your Wilcoxon Insurance Inc. agent in Sioux Falls, SD can help you get motorcycle insurance quotes for when your bike is in storage.

Is storage insurance required?

No, storage insurance is not required by law. However, it’s always a good idea to have coverage for your motorcycle, even when it’s in storage. This way, you can avoid paying for any damages that occur while it’s off the road.

If you’re looking for storage insurance for your motorcycle, contact Wilcoxon Insurance Inc. in Sioux Falls, SD today. Our team can help you find the right coverage for your needs and budget. Call us or stop by our office today to get started.

Motorcycle Insurance Requirements in South Dakota

Under South Dakota penal code SDCL 32-35-113, an owner of a registered motorcycle must maintain financial responsibility via motorcycle insurance, a bond with a surety company, or a certificate of deposit for $50,000 on deposit with the South Dakota Treasurer’s office. Additionally, South Dakota requires that any registered motor vehicle carry the following minimum insurance requirements:

  • $25,000 for death or bodily injury to one person
  • $50,000 for death or bodily injury to two or more persons
  • $25,000 for damage or destruction of property

While this coverage may seem appropriate at first, a motorcycle accident resulting in serious injury or property damage will exceed these limits. Any amount over your policy coverage limit becomes your financial responsibility. As a result, it is best to purchase additional liability insurance that better safeguards you from lawsuits and damages related to an accident. 

Additionally, South Dakota is an “at fault” insurance state which means that you are liable for any damages occurring from an accident that you are deemed to be at fault in. If you do not have insurance or it is insufficient, you could face a suspended license, jail time, and lawsuits. In addition to liability insurance, optional coverage includes collision, comprehensive, uninsured/under-insured motorist, and bodily injury. At Wilcoxon Insurance Inc. in Sioux Falls, SD, we will take the time to learn about your unique circumstances to recommend the best motorcycle insurance policy that meets those needs. Call us today or stop by our conveniently located office in Sioux Falls, SD to learn more about our insurance offerings.

Motorcycle Insurance Coverage Options

If you have a motorcycle, it is important that you protect it through an adequate insurance policy. The agents at Wilcoxon Insurance Inc. in Sioux Falls, SD wants you to know and understand the options you have available to you when it comes to motorcycle insurance.

Motorcycle Insurance Requirements in South Dakota

The state of South Dakota requires that all motorists, including motorcyclists, have at least a liability insurance policy in place that will assist in paying the medical bills and property damage sustained by others in an accident that you have caused.

Underinsured or Uninsured Coverage

If you become involved in a crash with a motorist who does not have any insurance coverage or not an adequate amount to cover damages to your bike or injuries to yourself or your passenger, this type of policy will help with those costs.

Comprehensive Motorcycle Insurance

If you borrowed the money to purchase your bike, your lender may require you to have comprehensive coverage in place to protect the investment the lender made in your motorcycle. Even if you do not owe money for your motorcycle, this is a great policy to have since it will help cover damages to your bike if it is damaged or destroyed by a fire, an act of vandalism, theft, or a natural disaster.

Collision Motorcycle Insurance

Collision motorcycle insurance coverage will help you pay for any damages that occur to your motorcycle if you collide with another vehicle or with a stationary object. For example, if you hit a garage door while driving your bike, this part of your policy will pay for damages to your motorcycle as well as the garage door.

Get the Proper Motorcycle Insurance Coverage

To create a motorcycle insurance policy that is right for you and your situation, contact that experienced and trusted agents at Wilcoxon Insurance Inc. in Sioux Falls, SD today!

Benefits of Insuring Your Motorcycle

Riding a motorcycle is a thrilling experience but also dangerous. That is why you need protection by getting motorcycle insurance. It can offer you protection in case of damage, theft, or you get into an accident. And as much as it is a law requirement in Sioux Falls, SD, Wilcoxon Insurance Inc. explains the benefits you can enjoy from motorcycle insurance.

Medical Coverage

If you get into an accident, motorcycle insurance will help cover the medical expenses you incur as a result of the accident. It can also compensate you for the lost income you have suffered while in recovery.

Protect Your Motorcycle

If your motorcycle is damaged in an accident, motorcycle insurance helps with the financial assistance to cover repair costs. By this, you can avoid significant out-of-pocket expenses resulting from repairing your bike.

Protection From Theft

Motorcycles are at a higher risk of being stolen than cars. Picture the considerable loss and inconvenience you would go through if someone stole your motorcycle, and you use it for your daily errands. With motorcycle insurance, you can rest easy knowing that the insurance company will compensate you for that loss in no time.

Provides Liability Coverage

You might get involved in an accident and cause damage to someone else or their property. If this happens, motorcycle insurance will help cover the medical expenses and the cost to repair or replace the damaged property.

Provides Cover During Emergencies

You might be busy having fun, and suddenly you run out of fuel, your engine fails. Motorcycle insurance helps cover those emergencies where you will get fuel or towing services to a repair shop. This allows you to keep having fun without worrying.

To learn more about motorcycle insurance, residents of Sioux Falls, SD can reach out to Wilcoxon Insurance Inc. We are ready to explain more benefits of motorcycle insurance and help you choose a policy that gives you and your motorcycle sufficient coverage.

A Newbie’s Guide to Motorcycle Insurance

You have saved enough, and you have gone ahead and bought a bike for yourself; congratulations. You are now part of South Dakota’s rich riding culture. While owning a motorcycle comes with its fair share of freedom, you have to deal with the respective responsibilities. One of such obligations is motorcycle insurance.

Because you are new in the motorcycle world, you might be wondering: should I buy motorcycle insurance? Is it mandatory in South Dakota? At Wilcoxon Insurance Inc., situated in Sioux Falls, SD, we are glad you asked. Here, we help riders like you understand the motorcycle insurance landscape, helping you choose the right coverage. 

Want to find out more? Please keep reading.

Is motorcycle insurance mandatory in South Dakota?

Yes, South Dakota requires you to carry motorcycle insurance, and you are required to show proof before registration of your bike. When on the roads, failure to show proof of insurance could lead to severe fines and penalties, including license suspension.

What motorcycle insurance options are offered in South Dakota?

While the state requires you to carry minimum motorcycle insurance coverage, your agent should advise whether it’s adequate. At first glance, the minimum coverages might look sufficient but may fall short when you are involved in a significant accident.

Other motorcycle insurance options that are offered for South Dakota riders include:

  • Collision coverage to pay for your bike’s damages when involved in an accident.
  • Comprehensive coverage to protect your ride from theft, vandalism, fire, and other perils stated in your policy.
  • Medical payment coverage to pay for medical costs, loss of income, and funeral expenses in accident-related injuries.
  • Uninsured/underinsured motorist coverage: Did you know that approximately 8 percent of South Dakota motorists are uninsured? With many less responsible motorists on the road, you need this cover if you are involved in an accident with one of them.

What determines my motorcycle insurance rate?

While each insurance company computes its rate differently, the below factors are primarily considered in the computation.

  • Your bike’s value and power rating
  • Your location
  • Your driving record
  • Type of coverage you opt

Need motorcycle insurance? Whether you are an occasional rider or a seasoned biker, at Wilcoxon Insurance Inc., located in Sioux Falls, SD, we can customize motorcycle insurance for you. Contact us today, and our team shall handle the rest.

Store Your Motorcycle Safely During The Cooler Months

When the cooler months start to set in in South Dakota, you find yourself riding your motorcycle less and less until it becomes too cold to travel by bike alone. Even decked out in leather, it is not enough to keep the icy temperatures from shooting straight to the bone in your body. It is important to safely store your motorcycle during the cooler months when you are not going to be riding it. 

Keeping It Out Of The Elements

One of the most important things you can do for your bike when you are storing it away for winter is to keep it out of the elements by storing it inside a garage or storage facility. Keeping the ice and snow off of your bike will prevent rust and corrosion, which can damage your bike. 

Cover Your Bike

Even if you have your bike back into a corner in your garage, you still want to cover it with a large tarp to protect the bike’s exterior. These covers are meant to insulate the bike, keeping dirt and debris off of it as well as moisture. 

Lubricate Your Bike

Before you put your bike up for storage, make sure that all of the moving parts on your bike have been well lubricated so that they are safe from the dry air that comes when it cools off. 

Remove Weight Off Of The Tires

Once you decide it is time to put your bike up, it is essential to take all of the tires’ weight when you store the bike. This protects the tires and prevents flat spots when you ride your bike again in the spring. 

Do you need motorcycle insurance coverage in or around Sioux Falls, SD? If so, give our agents at Wilcoxon Insurance Inc. a call today for more information. 


Why should I get motorcycle insurance in South Dakota?

When you are in the Sioux Falls, SD area, having a mode of transportation is vital. One type of vehicle that you should consider getting is a motorcycle. When you have a motorcycle, you will be able to enjoy the nice weather and can be quite efficient. If you do get a motorcycle here, it is imperative that you get insurance. There are several reasons why you should get a motorcycle insurance policy. 

Comply with State Laws

One of the reasons why someone will want to get a motorcycle insurance policy is so they can comply with state law. Similar to when you are operating any other vehicle on a public road in this state, you need to make sure you have liability insurance for your motorcycle at all times. This way, the state will know that you are able to pay for damages if you cause an accident. Those that are caught driving without this coverage could face severe penalties.

Protects Assets

Another important reason to get motorcycle insurance here is that it will protect your asset. Anyone that purchases a motorcycle is going to be making a significant investment. When you have a full motorcycle insurance policy, you are going to receive coverage for a wide range of issues that could cause a loss, including accident damage or theft.

Ultimately, getting a motorcycle insurance policy is a good idea for anyone in the Sioux Falls, SD area. If you are searching for a new policy here, you should call Wilcoxon Insurance, Inc. When you do call Wilcoxon Insurance, Inc. for your insurance needs, you can learn a lot more about all of your options. Our team will be able to assess your situation and help guide you into an excellent policy. 

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