American Modern Review

American Modern's business revolves around specialty insurance, making them a great option for motorcycle owners. Though American Modern motorcycle insurance is missing certain discounts, the flexible payment and deductible options help keep their policies affordable.

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The Good

Flexible payment options

American Modern motorcycle insurance allows you to pay your bill entirely up front, quarterly, or monthly, depending on your preference. If you choose to pay monthly, you can select what day of the month the payment is due. You can pay with a credit card, online, or by mail, and set up an automatic payment schedule if you like. That way, you don’t have to worry about forgetting to pay. Also, American Modern lets you choose from several deductible options when you select your coverage, so you shouldn’t have any trouble finding an American Modern motorcycle insurance plan that fits your budget and still has everything you need.

Easy to get started

Getting an American Modern motorcycle insurance policy is incredibly easy, and begins with either speaking to a representative or using their online tool to get a free quote. The online tool is easy to use and asks basic questions about the driver, motorcycle, and desired coverage. You can design and purchase your policy entirely online, but if at any time you wish to speak to a representative, you can always contact American Modern by phone. From there, all you have to do is get your insurance cards and you’re ready to ride.

Helpful when bike is out of commission

If you’re on a road trip far away from home and your bike happens to break down, American Modern motorcycle insurance helps you out by paying for your food, lodging, and travel expenses. They also reimburse you for any money you spend on towing and labor to get your motorcycle repaired. And if your bike is going to be in the shop for a while, you can just pick up a rental car in the meantime, and American Modern reimburses you for that, too.

The Bad

Common discounts missing

You can get a discount in your motorcycle premium by insuring multiple bikes through American Modern, or for remaining claim-free, but American Modern is missing a few common discounts that are offered by many of their competitors. Perhaps the largest omission is multi-policy discounts. Often, people who are looking to insure their cars, motorcycles, and other vehicles are hoping to do so all in one place, and many companies offer discounts to encourage this. If you’re looking to insure your home, car, and motorcycle with the same company, it may be cheaper to do so elsewhere.

The Details

Provider Details

  • A.M. Best FSR Rating: A+
  • A.M. Best ICR Rating: aa-
  • Moody's Rating: N/A
  • Standard & Poor's Rating: N/A

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