Get California motorcycle insurance quotes, cost & coverage fast. Find affordable CA motorcycle coverage for your sport bike, cruiser, standard, touring bike, or custom ride.
To ride a motorcycle on the roads in CA. you need to have California motorcycle insurance. That is the law – if you choose to ignore it you will be met with a list of legal violations. It’s also common sense to have insurance because of the risks that motorcyclists face on the road.
California motorcycle insurance is available in different types of policies, each designed to fit different needs. The cost tends to vary based on factors such as the rider’s record (your history with automobiles is considered here as well), the value of the motorcycle, and the place where the rider resides.
There are other things that can affect the premium for riders. For instance, if you have other vehicles covered by the insurer, the company may be willing to offer you a “multi-line” discount when you purchase an insurance policy for your motorcycle. You can reduce your insurance premiums by doing the following:
While there are many optional coverages available, the main parts of a California motorcycle insurance policy are:
Liability: Liability insurance is used to cover damage caused by a rider to another vehicle, motorcycle, individual, or property when the accident is proven to be the rider’s fault. This policy is regulated by state government law and is required to operate vehicles on paved roads in any part of the country. As a motorcycle owner and rider, your state has in place a few minimum coverage standards that you must meet in order to operate your bike.
Comprehensive and Collision: This coverage is meant for repair and replacement costs of your bike following an accident, without consideration as to who is at fault. The cost of comprehensive and collision coverage is largely influenced by the value of the motorcycle.
Instances of fire, vandalism, theft, and weather damage are covered by comprehensive coverage, while collision coverage is used to fund repairs or replacement when the bike is involved in a collision. When making any modifications to the bike, consider taking additional motorcycle insurance coverage.
Medical Coverage (PIP): In some states insurance companies are required by law to include medical coverage in all motorcycle insurance policies, although the specifics involved in this coverage vary widely. Medical coverage is meant to cover medical bills resulting from an accident regardless of fault, but the amount of money made available in this coverage is usually not very large, which necessitates having health insurance if someone is severely injured.
Underinsured and Uninsured Motorist: Underinsured and uninsured coverage is not typically mandated by law; however it’s a cheap and often very smart way to protect a rider against unruly motorists and other riders who may not have sufficient coverage or any insurance coverage at all. Because it’s cheaper than the other parts of your insurance policy, uninsured and underinsured motorist coverage is recommended by most road safety authorities.
CA motorcycle insurance typically does not cover:
How much does motorcycle insurance cost? The average price of bike insurance varies widely based on certain factors. The premiums vary depending on the company and their underwriting rules, and it depends on the coverages and deductible selected. Following are some of the main factors that go into the price of a policy:
Request a California Motorcycle Insurance quote in Anaheim, Bakersfield, Chula Vista, Concord, Corona, Elk Grove, Escondido, Fontana, Fremont, Fresno, Fullerton, Garden Grove, Glendale, Hayward, Huntington Beach, Irvine, Lancaster, Long Beach, Los Angeles, Modesto, Moreno Valley, Oakland, Oceanside, Ontario, Orange, Oxnard, Palmdale, Pasadena, Pomona, Rancho Cucamonga, Riverside, Roseville, Sacramento, Salinas, San Bernardino, San Diego, San Francisco, San Jose, Santa Ana, Santa Clara, Santa Clarita, Santa Rosa, Simi Valley, Stockton, Sunnyvale, Thousand Oaks, Torrance, Vallejo, Victorville, Visalia and all other cities in CA.
The CA Dept. of Insurance is the regulatory agency behind the insurance rules for the state of California. If you want to understand these rules, then this is definitely the agency that you need to focus on. Let’s start with limits within the state.
As for regular insurance regulations there are a lot of things that California provides that you can look up. For example, there are deadlines for the insurer to pay the claim or deny it, deadlines for submitting paperwork to prove a loss for insurance reimbursement, specific information your insurance company is required to give you and regulations on what information you have to provide to your insurance company.
One of the California regulations calls for you to be treated by your insurance company in good faith. This means that your insurer must be considered of your needs and must communicate completely and honestly with you about your policy and everything that you need to know about it in order to make a good decision. In turn, you are legally obligated to be honest and cooperative with your insurance company when it comes to your claim.
You should also be aware that your insurance company is required to offer prompt, honest and complete communications. The company and all of its representatives must respond to your communications within 15 calendar days with a complete response based upon the facts that are known.
Finally, be aware that your insurance company is required to have a fair claims process. Unless it is specified in your policy, you do not have to use the forms that are provided to you by your insurance provider in order to make a claim. You can create a list of losses on your own if you need to. In addition, insurers are not able to ask for unreasonable proof of loss. If you provide photographic evidence or video of items that you lost, insurers are not able to ask you to provide additional information.
If you are looking for state specific California Motorcycle Insurance insurance quotes, costs and information:
