motorcycle

Stolen In Seconds: High-Risk Bike Models And Motorcycle Insurance In Detroit, MI

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Detroit has one of the country’s highest motor vehicle theft rates. And that includes motorcycles. Overall vehicle theft in Detroit dropped in 2025, but bikes are still a very easy target. This is because they can be quickly loaded into a truck or van.

If you ride in Detroit, MI, you’re probably more exposed than you think. Premier Insurance Agency wants to be sure you have the coverage you need if this ever happens to you.

Motorcycle Brands That Are Most at Risk of Being Stolen

The National Insurance Crime Bureau says that Honda is the brand of motorcycles most commonly stolen in the U.S. And it’s been that way for years. Coming in second is Yamaha. Then Harley Davidson, Kawasaki, and Suzuki.

Thieves especially love sports bikes from all of these makers. This is because the parts have a high resale value. A thief who knows what they’re doing can steal a bike in less than 30 seconds. That’s a real stat.

The Truth About Stolen Bike Recovery Numbers

You may think you’ll get your bike back if it ever gets stolen. But the stats don’t support that. Only about 42% of stolen motorcycles nationwide ever get recovered (NICB). Which means that more than half of all stolen motorcycles are gone forever. In cities like Detroit, property crime rates are well above the national average. So your odds of recovery are dismal.

If your motorcycle insurance is only liability, you’re not going to have an easy option to replace your stolen bike. You’ll have to come out of pocket for a new ride.

Michigan Law and Motorcycle Insurance

For auto insurance, Michigan is a no-fault state. But motorcycles are left out of that. Under MCL 500.3103, motorcycle riders have to carry liability insurance that will cover other people and their property if you’re at fault in an accident.

The thing is, liability does nothing for you personally if your own bike is stolen from a parking lot off of Michigan Avenue or Gratiot. That’s where coverage like comprehensive motorcycle insurance can save you.

Talk with a Professional to Make Sure Your Motorcycle Insurance Is Solid

Riding in Detroit comes with its own challenges. Real risks that are far beyond what happens on the road. Get in touch with Premier Insurance Agency today to make sure your motorocyle insurance policy reflects that.

Riding Your Motorcycle in the Rain: Is It Safe?

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While it’s not illegal to ride your motorcycle in the rain, it’s crucial to take precautions to ensure your safety. This article will discuss what you need to know before venturing out on your bike when rain is expected.

Recognizing the Risks

Riding a motorcycle in the rain is feasible, but it comes with significant risks that you should consider. Traction is diminished on wet roads, extending your stopping distance and making it easier for you to lose control of your bike. Your visibility, as well as that of others on the road, can also be affected.

Be Prepared

Having the right gear before heading out into the rain is essential. Ensure you’re equipped with a waterproof jacket, pants, gloves, and boots to stay dry. Your helmet should have a full-face mask and an anti-fog visor. Double-check that your tires are fully inflated and that your brakes are in good condition.

Modify Your Riding Style

When riding in wet conditions, it’s important to brake and turn slowly. Apply both brakes gently and start slowing your bike early to prevent skidding. Stick to the speed limit or go slower, and be cautious of slippery surfaces like road paint, manhole covers, and metal grates, especially when turning.

Visit Premier Insurance Agency in Detroit For All Your Insurance Needs

At Premier Insurance Agency, we’re committed to keeping Detroit, MI, safe. Whether you’re looking for a motorcycle insurance policy or a different form of coverage, we’re here to help you feel confident that you’re protected. Visit our office today or give us a call to learn more.