Motorcycle Insurance Daly City (CA)

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Owning a motorcycle shouldn’t be an extravagance, but steeply-priced premiums can certainly make it feel this way. Don’t fret. We help you check rates from top rated insurance providers including GEICO, Progressive, and Nationwide–on the web.

Types of Coverage for Daly City Riders

On the subject of motorcycle insurance in Daly City, you will find several differing sorts of coverage from which you can choose.

  • Liability Coverage: This is mandatory under California law. It is used for any scenario in which you’re found at fault for damage or injury caused to another person. While it isn’t going to cover you or your bike, it may protect a spouse or friend riding behind you. Be sure to ask your agent.
  • Collision Coverage: If your bike is wrecked or totaled in an accident, collision coverage will usually pay to repair your bike or buy a new one.

  • Comprehensive Coverage: This covers weather and theft damage. In simple terms, comprehensive helps protect you against most types of damage not incurred as a result of an accident.
  • Uninsured/Underinsured Motorist Coverage: This covers you in case of personal injuries, property damage, or death caused by a motorist who has no insurance or inadequate coverage. Considering the increase in uninsured drivers of late, this is an important policy option to consider.

Keep in mind that if you financed your bike, you might be expected to have comprehensive coverage, including the above coverage types.

Motorcycle Insurance Coverage Guidelines

Daly City CA Motorcycle Insurance
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The state of California has rules prescribing the minimum amount of max liability coverage you will need to possess.

  • $15,000: bodily injury liability maximum for someone getting injured in an accident
  • $30,000: bodily injury liability maximum for all persons injured in one collision
  • $5,000: property-damage liability maximum for one accident

Keep in mind that basic liability coverage will not protect the motorcyclist, the the motorbike, or anyone riding two-up – only your legal vulnerability for damages sustained by other people or property in a crash.

Daly City Motorcycle Insurance Rates

It’s difficult to predict the cost of motorcycle insurance without taking into account a number of factors. A little bike and rider information is really needed to approximate the premiums you’ll be charged. The good thing is, we work with a lot of the major insurers that cover motorcycles in Daly City, who can supply you with quotes and rates online. When you enter in your zip code, you will be shown a list of respected motorcycle insurance carriers that protect bikes in your part of California. Then, you can pick the insurance companies that interest you.

Daly City Sportbike Insurance

If you reside in Daly City and own a sportbike, you’re probably aware that they can be outrageously expensive to keep insured. That’s because they tend to be loved by young riders. Your driving record will have a tremendous influence on the cost of insuring your sport bike. Premiums decrease drastically with age.

Did you get a loan for your bike? A lot of lenders require that you carry both collision and comprehensive coverage.

Daly City Custom Bike Insurance

If you ride in Daly City, you know it has a pretty strong custom bike community. If your bike has significant aftermarket parts or custom work hours, you’ll want to consider coverage to protect your investment. Without coverage, the replacement of rare and expensive parts won’t be covered if you’re in an accident. That’s right, you will only be compensated for the value of the bike in stock trim. You can read more about CPE coverage in this section.

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