California is home to some of the most beautiful drives in the country. For instance, motorcyclists flock to Highway 101 to enjoy the beautiful panoramic views of the ocean. There are a number of motorcycle clubs located in California, and each has a myriad of riders and motorcycles.
If you're a resident of the Golden State, you may be familiar with the helmet laws. Additionally, however, insurance is also required while you travel the roads -- whether you're on two wheels, three wheels, or four. Because of the high population, California is one state where motorcycle accidents are common. A motorcycle accident can get serious quickly, so it's imperative to keep enough insurance on your motorcycle so that you're covered no matter the cost of the accident.
Riding a motorcycle automatically increases your risk of an accident. In fact, a motorcyclist is 35 times more likely to be involved in a deadly accident than a driver in a passenger car. If you own or ride a motorcycle, it's incredibly important to have adequate motorcycle insurance.
Motorcycle insurance is a set of policies grouped together to ensure you have the best coverage for your individual situation and risks. A motorcycle insurance policy in CA may include the following:
There are other coverage types available, but in order to get the best policy for your individual situation, it's best to talk with an insurance agent.
The legal minimums for motorcycle insurance in California are as follows:
With only these legal minimums in place, if an accident occurs -- even a small fender bender -- you may reach these insurance limits within seconds. If you are at fault, you may be paying for the rest of the damages and medical bills out of your pocket. It's a wise idea to have enough ensurance to cover anything that may happen.
A motorcycle insurance quote can vary, depending on many factors. When you decide to begin shopping for motorcycle insurance in California, make sure to be familiar with the following:
All of these factors, plus many more, will be used to give you an insurance policy that's tailor-made for your needs.
Insurance companies are well aware that no two riders are alike. Each rider has individual passions and preferences. Because of this, there are many motorcycles that can be covered in California. Here's a list of the most common motorcycles that insurance can cover:
Just like many other insurance policies, a number of discounts are available on motorcycle insurance. In the process of getting quotes, make sure you inquirie about the following discounts:
Each insurance company offers different discounts, so make sure that you're getting the most out of each quote before purchasing.
It's important to consider your risks and assets before purchasing an insurance policy, to make sure you're getting enough coverage. A Trusted Choice insurance agent is always available to help you find coverage, suggest discounts or policy modifications, or even help you file a claim.