Motorcycle Insurance Chandler (AZ)

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High-priced insurance rates keeping you down? Premiums are based on a wide array of factors:

  • Make/model of motorcycle.
  • Age and condition.
  • Mileage you ride a year.
  • Whether it’s kept in a garage.
  • Your age and driving record.

Because insurance providers may charge substantially different rates, you need to research before you buy.

Minimum Motorcycle Insurance

The state of Arizona dictates the minimum motorcycle insurance required. Liability insurance is insurance for what the policyholder is legally obligated to pay because of bodily injury or property damage caused to a third party. Arizona determines the minimum liability coverage. There are 3 minimum liability limits outlined:

  • For Injuries to a Single Party: $15,000
  • For Injury to All Parties: $30,000
  • For Property Damage: $10,000

It’s always best to chat with an insurance agent to figure out how much coverage will meet your needs. You can just put in your zip code to find a motorcycle insurance agent in Chandler, AZ. For all riders, we do advocate Uninsured Motorist coverage. That’s because 22% of Arizona drivers aren’t insured.

Reducing Your Rates

Looking to maintain the cheapest insurance rates as you can? We know a variety of ways to trim your premiums.

As you likely know, the model of the bike being insured will have a huge effect on your insurance premiums. UJMs, sub-1000 cc cruisers, and motards are often the most affordable to insure, with smaller-size engines equating to lower rates. Liter-class sport bikes and hyperbikes are known to have the highest insurance rates. Even highly experienced bikers may want to think about taking a rider safety course through the Motorcycle Safety Foundation. These courses generally net you a 10-20% discount. If you don’t ride much during the winter, consider a lay up policy, where all coverage but comprehensive is suspended for several months of the year.

You’ve heard this before, but keeping a clean driving record is a must–citations raise your rates dramatically.

Motorcycle Insurance Rates in Chandler

Are you wondering how much motorcycle insurance will cost you? That will be based upon a number of key variables. These include the model and make of your bike, the extent of your coverage, your driving history, even your credit rating. Thankfully, we work with almost all of the best companies that insure bikes in Chandler, and they can provide you with quotes and rates on the web. Enter in your zip code, and you’ll be shown a list of insurance carriers preferred by Chandler motorcyclists. You’ll be able to start researching rates and policies from the insurance carriers you have chosen.

Find Coverage

Rates & Policies Online

Enter Zip Code