Motorcycle Insurance Citrus Heights (CA)

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California is a wonderful state for motorcyclists, but you should be insured before you crack the throttle. Too bad this can get expensive, even if you have a pristine driving record. Fellow riders, we teamed up with motorcycle insurance carriers who serve Citrus Heights riders. They can cover your bike, regardless of what kind you ride:

  • Standard
  • Cruisers
  • Sportbike
  • Dual Sport or Motards
  • Sport- and Adventure-Touring
  • Bobbers and Choppers
  • Scooters/Mopeds
  • Vintage Bikes and Classics

Even Off-Road Bikes and 4-Wheelers. Simply type in your zip code to see which providers offer coverage in Citrus Heights.

Motorcycle Insurance Laws and Requirements

The state of California dictates the minimum motorcycle insurance required. Liability insurance indemnifies the insured for sums he could be required by law to pay a third party as damages for bodily injury or property damage. Your liability protection has to meet or surpass specific minimum caps for bodily injury to others and damage to third party property.

  • $15,000: Liability Coverage for Personal Injuries to a Single Person in an Accident
  • $30,000: Liability Coverage for Personal Injuries of All People in an Accident
  • $5,000: Liability Coverage for Damage to Property

These are just the minimums. When you want the most affordable motorcycle insurance in Citrus Heights, just getting insured up to these levels is the way to go. However, most riders choose to get more than this. Why? The Insurance Research Council claims that 14.7% of California car owners aren’t insured. You should give some thought to Uninsured Motorist insurance to ensure that you’ll still be covered if the other motorist isn’t insured.

Keeping Your Premiums Affordable

Motorcycle insurance premiums can be through the roof, especially for young males. We know several ways to trim your monthly premiums.

As you probably know, the make and model of the bike will have a serious effect on your premiums. Liter-class bikes are generally the most expensive to insure, while dual-sports and smaller cruisers are much less expensive. Graduating a Motorcycle Safety Foundation course will translate into a 10-20% with many insurance companies. A lay up policy–in which you don’t pay very much for coverage during the winter months–is a smart idea for many riders.

Everybody knows this, but riding responsibly is crucial–traffic violations increase your premiums drastically.

Motorcycle Insurance Rates in Citrus Heights

Motorcycle insurance premiums will be determined by a number of variables. Usually, motorcyclists concentrate on the make and model of thei bike and their driving history, but factors like location, types of coverage, liability limits, added protections, and discounts are all important. Fortunately, we work with most of the best insurers that cover riders in Citrus Heights, who can offer you quotes and rates online.

Type in your zip code, and you will see a list of insurance carriers popular with Citrus Heights motorcyclists. Next, you can select the insurance companies that interest you.

Insurance for Scooters

It’s a wise decision to insure your scooter. Liability coverage is generally very economical. If you’re involved in any sort of accident, however, it could save you a fortune. You’ll want to ask your agent for additional information.

Citrus Heights ATV and Dirt Bike Coverage

You should consider buying insurance coverage for your ATV, side by side, or dirt bike. Liability is often mandatory when operating on public land, and one of these policies is typically affordable.

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