Motorcycle Insurance Pasadena (CA)

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If you get your bike insured through your automobile carrier, you might end up paying more than you should, even with a multi-vehicle policy. We’ve partnered with well-known carriers that meet the needs of riders in Pasadena. Compare policies, premiums from the comfort of your computer or smart phone.

Minimum Motorcycle Insurance for Pasadena Riders

The state of California has put in place minimum liability limits for motorcyclists. Liability insurance is insurance against legal liability to pay compensation and court costs where you have been found responsible for injuries or damages sustained by a third party. Your liability insurance coverage has to satisfy or surpass specific minimum caps for personal injuries to others and damage to 3rd party property.

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  • For Injury to a Single Individual: $15,000
  • For Injuries to All Individuals: $30,000
  • For Damages to Personal Property: $5,000

It is best to get in touch with a broker to gauge what amount of coverage is best for you. Just enter your zip code to find an agent near you. For all policyholders, we do advocate Uninsured Motorist insurance. After all, 14.7% of California’s drivers don’t have insurance.

How to Keep Your Premiums Affordable

Are you a budget-conscious rider? There are several options.

The kind of bike you’re insuring is an important factor. Insuring a sport bike can be very costly, and so can expensive Italian and German brands . Many insurers offer big discounts for riders who finish a Motorcycle Safety Foundation Course, often 10-20%. If the bike stays in when the colder temperatures come in, think about a lay up policy. With this, you only pay full price during the months you actually ride.

Make sure to ask your insurer if they offer these policies–it’s likely they do.

Pasadena Motorcycle Insurance Rates

Without considering a number of factors, it’s difficult to estimate your premiums. For example:

  • Type of Motorcycle.
  • Age and Driving History.
  • Coverage Type.
  • Degree of Coverage.

Luckily, we work with lots of the leading motorcycle insurance providers, which can supply you with prices and policy information online. Enter in your zip code, and you will see a list of insurers popular with Pasadena riders. After that, you can select the insurers from which you’d like to receive quotes and information.

Types of Motorcycles Insured

We can help you insure most anything that rolls on two wheels.

  • Supersports: No doubt, these can cost a fortune to keep insured. Insurers charge so much for sport bikes because sport bikes are exceptionally fast and accident-prone. Your age and driving record will have a deep effect on the cost of insuring your sport bike. Quite a few sportbike riders neglect to buy collision or comprehensive coverage, to help save some money. This is an oversight, as even the slightest mishap can result in thousands of dollars in damage to the plastics of these bikes.
  • Customs and Cafe Racers: If you live in Pasadena and your motorcycle has a good many aftermarket parts or handmade modifications, you should look at Custom Parts and Equipment (CPE) coverage. If you don’t have coverage, such parts aren’t going to be included in case of an accident. Rather, you’ll only be paid the value of your bike in stock trim.
  • Mopeds and Scooters: Be sure and cover your scooter or moped. You might find that these policies are reasonably priced, and worth the money.
  • All-Terrain Vehicles and Dirt Bikes: Given the risks that come with off-road riding, insurance is smart to have. Typically, coverage for these machines is more economical than for street bikes.

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