Motorcycle Insurance Sacramento (CA)

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Have you been paying too much to keep your bike insured? Expensive insurance rates have long been a problem for motorcyclists in Sacramento and across the state. We decided to help. We have joined forces with a wide selection of reputable motorcycle insurance carriers. You can now submit your zip code and find insurers that cover bikes in Sacramento, then review premiums and coverage.

Minimum Motorcycle Insurance: Sacramento

The state of California has imposed minimum liability limits for motorcyclists. Liability insurance pays for damages suffered by others in collisions for which you are judged to be responsible. The state establishes the minimum liability maximums. There are three minimum liability protections outlined:

Sacramento CA Motorcycle Insurance
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  • $15,000: Liability Coverage for Personal Injuries of a Single Individual in an Accident
  • $30,000: Liability Coverage for Personal Injury of All Individuals in an Accident
  • $5,000: Liability Coverage for Damage to Property

On one hand, less coverage results in more affordable motorcycle insurance. On the other hand, less coverage translates to higher risk that your insurance payout will not cover your total health care expenses should you injure or are injured by another motorist. Bear in mind that the cost of health care and personal property often goes upmore quickly than state liability limits get changed.

Keeping Your Premiums Affordable

Premiums can be quite high, particularly when you have a sportbike or expensive cruiser. There are various ways to lower your premiums.

  • Go through a Motorcycle Safety Foundation Basic Rider Course. This can translate to a discount as high as 20%.
  • Maintain a clear driving history. Control that throttle as citations will increase your monthly premiums substantially.
  • Purchase a lay-up policy. This will hold coverage during the cold months of winter, saving you a ton.
  • Steer clear of high-insurance bikes. It’s likely that you already own the bike you need to insure, but understand that liter-class sport bikes are the most costly to insure.

Sacramento Motorcycle Insurance Quotes

There are a number of factors that help determine the cost of motorcycle insurance. For example:

  • Type of Bike.
  • Driving Record.
  • Coverage Options.
  • Coverage Limits.

Fortunately, we work with most of the best motorcycle insurance companies, which can provide prices on the web. To begin, all you need to do is type in your zip code. Simply select the insurance companies that you’re interested in, then answer a few questions to start comparing coverage and quotes.

Sportbike Insurance in Sacramento

Sport bikes are popular among many Sacramento area riders. Regrettably, they are the most expensive class of motorcycles to insure. That’s because they are especially popular among young riders. Your driving record will have a serious effect on how much you’ll pay for coverage. Simply speaking, higher insurance rates just come with riding a sportbike. Lots of sportbike riders fail to purchase any coverage beside liability, in an effort to cut costs. This is not a good idea, as the plastics of these bikes cost hundreds to replace.

SacramentoScooter Insurance

There are plenty of people who don’t insure their scooters, which can result in serious trouble. Liability coverage is typically very economical, and it could save you serious money in the event of an accident. You’ll want to ask your agent for more info.

Dirt Bike and ATV Insurance

It’s a good idea to obtain insurance coverage for your ATV, UTV, or off-road bike. Quite often, if you are riding on public land, liability insurance is required, and one of these policies is usually very reasonable.

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