Motorcycle Insurance Roseville (CA)

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High insurance rates can make your motorcycle feel like a burden, not a luxury. Luckily, we let you check monthly premiums from reputable motorcycle insurers including GEICO, Progressive, and Nationwide–on the net.

Motorcycle Insurance: California Laws

The state of California has established the minimum coverage required for liability insurance. Liability insurance pays and renders service on your behalf for losses arising from recklessness, to others imposed by law or assumed by contract. Your liability insurance has to satisfy or exceed certain minimum limits for bodily injuries to others and losses to third party property.

  • For Injuries to a Single Person: $15,000
  • For Injury to Two or More Persons: $30,000
  • For Property Damages: $5,000

Yes, if you just want the least expensive motorcycle insurance in Roseville, only insuring yourself up to these thresholds is the way to go. However, most policyholders opt for more than this. Why? The Insurance Research Council will tell you that 14.7% of California car owners aren’t insured. You may want to consider Uninsured Motorist coverage to ensure that you will still be covered if the other motorist isn’t insured.

How to Keep Your Premiums Affordable

Are you wondering how to reduce your insurance premiums?

Adopt these measures, and you will be on the right path to reduced premiums.

Insurance rates vary dramatically depending on the type of bike in question. Sport bikes are usually the most costly motorcycles to insure. The majority of insurers offer substantial discounts for riders who go through a Motorcycle Safety Foundation Course, often up to 20%. If you store the bike during winter, look at a lay up policy, in which coverage is reduced for several months of the year.

As you can imagine, this is most common in northern and western states.

Motorcycle Insurance Quotes in Roseville

Motorcycle insurance rates vary broadly based on a variety of factors. Variables include the type of bike being covered, the coverage types and liability limits you select, your driving history, and more. To gain an accurate idea of what you’ll be charged, you will need to supply some of this data. Fortunately, we can help you to do this online.

Simply type in your zip code to get going.

Custom Parts and Accessories Insurance

If you have a custom bike, you’ll need to purchase Custom Parts and Equipment Coverage (CPE) and/or Additional Parts and Equipment Coverage (ACPE). Custom parts and equipment coverage, also known as CPE, is an add-on to your policy that covers non-factory parts and custom modifications that are permanent in nature. The coverage is not included in your collision and comprehensive coverage, but it may have exactly the same deductible. This type of coverage is a good idea for people who have invested in aftermarket parts.

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