Motorcycle Insurance Richmond (CA)

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Is your motorcycle insurance becoming too expensive? As riders ourselves, we know how expensive motorcycle coverage can get. Fortunately, we can help. We have teamed up with a wide selection of top-rated motorcycle insurance providers. Submit your zip code to find companies that insure motorcycles in Richmond, then review rates and policies.

Richmond Motorcycle Liability Coverage

This portion of your policy covers damage to property and/or personal injury caused by you or your bike in an accident. Keep in mind, this doesn’t cover your own medical bills or damages to your bike.

Collision Insurance for Motorcycles

This reimburses you for physical damage to your bike sustained in a collision. If you drop your bike, this is normally the coverage you’ll wish you had.

Motorcycle Comprehensive Insurance

This covers natural and criminal damage. Basically, comprehensive covers most sorts of damage that aren’t the result of an accident.

Uninsured/Underinsured Motorist Insurance

Insurance coverage against uninsured motorists is recommended for motorcyclists in Richmond and the rest of California. Why? Due to the fact close to 15% of California road users do not have any type of insurance. Seeing that automobile owners are frequently the culprit in wrecks involving motorbikes, it is very important to look after oneself on a financial basis. Despite the fact that extra coverage can easily increase your Richmond motorcycle insurance fees, it may be worth the added price tag.

Motorcycle Insurance Coverage Guidelines

The state of California has rules prescribing the minimum sum of liability coverage you will need to maintain.

  • Bodily Injury Liability Limit for Single Individual: $15,000
  • Bodily Injury Liability Limit for All: $30,000
  • Property Damage Liability Limit: $5,000

Remember that basic liability coverage won’t cover the rider, the the motorbike, or a passenger – just your legal liability for damage to other people.

Richmond Motorcycle Insurance Quotes

There are lots of factors that go into determining what you will pay for motorcycle insurance. Your age, your number of past citations, and the type of bike you own are all important, as is what type and extent of coverage you select. Luckily, we work with most of the very best motorcycle insurers, which can supply you with premiums and coverage online. Simply submit your zip code to get going. Pick the insurers that seem like a good fit, then review policies and premiums.

Protecting Your Accessories and Parts

If you own a custom motorcycle, you have to carry Custom Parts and Equipment Coverage (CPE) and/or Additional Parts and Equipment Coverage (ACPE). Custom parts and equipment coverage, aka CPE, covers both performance parts like custom exhaust systems and ignitions, and also aesthetic enhancements such as custom chrome, seats, flyscreens, and paint schemes. If you don’t have this coverage, you will only be compensated for the value of a stock bike. You won’t get a single dollar for all those custom parts you’ve installed.

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