Motorcycle Insurance Oxnard (CA)

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Has your motorcycle become too expensive to insure? Most every motorcyclist has faced this same problem–high premiums. We’ve decided to help. We’ve partnered with an array of major motorcycle insurers. Submit your zip code to see which companies provide coverage in Oxnard, then review premiums and policies.

Oxnard Motorcycle Liability Coverage

The required type of coverage, it covers damages to another individual or property as a result of an accident you cause. Keep in mind, this doesn’t cover your own injuries or damages.

Collision Protection for Your Bike: Necessary?

This compensates you for physical damage to your bike sustained in a collision with another vehicle or object. Considering how expensive even the slightest drop can be, this is important coverage to consider.

Comprehensive Motorcycle Insurance

This helps pay for losses to your bike due to fire, criminal acts, or natural disaster rather than a traffic accident or vehicular collision. Some insurers call this Other Than Collision coverage.

Uninsured Motorist Coverage

Insurance to protect against uninsured motorists comes strongly recommended for bikers in Oxnard. That’s due to the fact almost 14.7% of California drivers don’t possess insurance coverage. As motorists are often in the wrong in traffic accidents involving cycles, it’s important to safeguard oneself fiscally. Though additional coverage could raise your Oxnard motorcycle insurance quotes, it might be very well worth the added cost.

Motorcycle Insurance in Oxnard (CA): Requirements

Oxnard CA Motorcycle Insurance
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California has regulations outlining the minimum amount of maximum liability you will need to possess.

  • $15,000: bodily injury liability maximum for one individual getting injured in a crash
  • $30,000: bodily injury liability maximum for personal injuries to all persons in one collision
  • $5,000: property-damage liability maximum for one accident

Please remember that basic liability protection does not safeguard you, the bike, or any passengers – only your legal exposure.

Oxnard Motorcycle Insurance Rates

Motorcycle insurance rates vary greatly based on a multitude of variables. Most riders just consider the make and model of thei bike and their driving history, but factors like where they live, coverage options and limits, and discounts all have their place. Fortunately, we work with many of the leading motorcycle insurance companies, who can supply you with quotes online.

Enter in your zip code, and you’ll be shown a list of insurance companies that cover Oxnard riders. From there, you can choose the insurance carriers that interest you.

Sport Bike Insurance in Oxnard

Quite often, sport bikes–labeled supersports within the insurance industry–can be very expensive to keep insured. That’s because they have the worst accident and fatality rates in the country, and they tend to be popular among young, often inexperienced riders. Your record will have a big impact on the cost of insuring your sport bike. Rates drop considerably with time.

If you are making payments on your bike, it’s likely that you’ll be required to both comprehensive and collision.

Scooter Insurance in Oxnard

It’s a mistake not to insure your scooter. Liability coverage is usually affordable. But if there’s a mishap, it could save you a fortune. Make sure you ask your agent for more information.

Dirt Bike and Four-Wheeler Coverage

It’s smart to carry a policy for your ATV, side by side, or dirt bike. There are many trails that require liability, and these types of policies are usually affordable.

Insuring a Custom Bike in Oxnard

If you live in Oxnard and your bike has a lot of aftermarket parts or custom work hours, you should consider coverage to help protect your investment. Without such coverage, the replacement of hand-made or aftermarket parts won’t be covered in case of an accident. No, you’ll only be paid out on the value of the bike in stock trim. You can read more about custom bike coverage in this section.

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