Motorcycle Insurance Palmdale (CA)

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Is your bike costing too much to keep insured? Nearly every motorcyclist has confronted this same challenge–premiums that are too high. We’ve decided to help. We have teamed up with a large selection of major motorcycle insurers. Type in your zip code to find insurers that cover motorcycles in your area, then review rates and policies.

Motorcycle Insurance Requirements

The state of California has set forth minimum limits for liability coverage. Liability coverage agrees to indemnify you for sums you could be required by law to pay a third party as damages for bodily injury or property damage. Your liability insurance coverage must meet or surpass specific minimum limits set forth by the state of California.

Palmdale CA Motorcycle Insurance
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  • For Injury to a Single Person: $15,000
  • For Injury to All Persons: $30,000
  • For Damages to Personal Property: $5,000

How much coverage should you have? It depends. Yes, only carrying $15,000/$30,000/$5,000 in CA motorcycle insurance is the cheapest way to go. But less coverage translates to higher risk that your insurance payout won’t cover your total healthcare expenses should you injure or get injured by another motorist. Bear in mind that the cost of health care and personal property often increases faster than state liability levels get changed.

How to Keep Your Premiums Affordable

For many California motorcyclists, saving money is important. We know a variety of ways to lessen your rates.

The specific bike you’re insuring is a huge factor. Generally, the greater the horsepower, the more expensive the insurance. Even if you’re a seasoned motorcyclist, you may want to look at a rider safety course through the Motorcycle Safety Foundation. MSF basic rider courses typically translate to a major discount on your insurance rate–as much as 20%. Garage the bike during the winter might want to consider a lay-up policy, in which coverage is discounted while your bike is kept in storage.

Be sure to ask your insurer if they offer these policies–many do.

Palmdale Motorcycle Insurance Quotes

There are a variety of factors that help establish how much you pay for motorcycle insurance. For instance:

  • Make/Model of Bike.
  • Age and Driving Record.
  • Coverage Type.
  • Amount of Coverage.

Luckily, we work with many of the very best motorcycle insurance companies, which can present you with premiums on the web.

Just submit your zip code to get going. After that you can begin researching rates and policies from the insurance providers you select.

Motorcycle Classes

Whether you own a sportbike, bagger, cruiser, chopper, or even a scooter, it can be insured.

  • Supersports: If you’re a resident of Palmdale and ride a sport bike, you most likely are aware that they can be insanely costly when it comes to insurance. The reason is simple: sport bikes are incredibly powerful and accident-prone. Many sportbike riders neglect to obtain anything more than liability coverage, to help cut costs. However, this is not preferred, as the fairings of these bikes can be particularly costly to fix.
  • Choppers and Bobbers: Is your bike highly customized? If so, you should think about Custom Parts and Equipment (CPE) coverage. Without coverage, the replacement of handmade or aftermarket parts will not be protected in the event of an accident. Rather, you’ll only be compensated for the value of your bike, sans upgrades.
  • Scooters: Be sure to insure your scooter. You might find that insuring a scooter is easy on the budget, and worth the cost.
  • Dirt Bikes, ATVs, and Side-by-Sides: Check with the off-road vehicle parks and trail networks where you ride. Some form of coverage might be a requirement. Fear not, coverage for dirt bikes is typically easy on the budget.

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