Motorcycle Insurance Salinas (CA)

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Interested in a new insurance policy on your bike? Motorcycle insurance premiums are based upon the style, size, and condition of the motorcycle, in addition to how often you ride, where you store the bike, not to mention your driving record.

We work with leading motorcycle insurance companies to help you find the very best, most affordable coverage for your ride.

Motorcycle Insurance: California Laws

California dictates the minimum motorcycle insurance required. Liability coverage is insurance for what the policyholder is legally obligated to pay because of personal injury or property damage caused to some other person. Your liability insurance has to satisfy or surpass specific minimum limits set forth by the state of California.

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

Yes, less coverage results in less expensive motorcycle insurance. But less coverage equates to higher risk that your insurance payout will not cover your total healthcare fees should you injure or are injured by another driver. Keep in mind that the cost of medical care and personal property often goes upmore quickly than legislation gets changed.

How to Keep Your Premiums Affordable

Are you a cost-conscious rider? There are several different things you can do.

Insurance premiums vary considerably depending on the style of bike you own. Typically, the least affordable bikes to insure are sport bikes, especially those with a displacement in excess of 1000 cc. The majority of insurance companies offer big reduced premiums for those who go through a Motorcycle Safety Foundation Course, sometimes as much as 20%. You could also think about a lay-up policy, particularly if you don’t ride during the cold months. This will save a little money while the bike is in the garage, translating to significant savings.

You can ask your insurance carrier if they offer policies like this.

Salinas Motorcycle Insurance Rates

Without allowing for a number of variables, it’s tricky to estimate your premiums. For example:

  • Make/Model of Motorcycle.
  • Age and Driving Record.
  • Coverage Options.
  • Degree of Coverage.

Thankfully, we work with most of the major motorcycle insurers, who can provide premiums on the web.

Just type in your zip code to get started. From there, you can pick the insurance carriers from whom you’d like to receive quotes and details.

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