If you are one of the Americans who have purchased a motorcycle in the last 10 years, you're clearly far from alone: Ownership has risen steadily in the past decade and over 13 million people across the U.S. are now riding motorbikes. And of that total, nearly 20% of all riders are women. Just as for car drivers, motorcycle riders are required to secure insurance and you want to make sure you have proper coverage in case you are in an accident or your bike is stolen. And if you've purchased a quad, three-wheeler or dirt bike, you should get…