Motorcycle Insurance San Diego (CA)

CA Coverage

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Riding a motorcycle with no insurance is never advisable, regardless of where you live. All too often, motorcycle insurance can be a significant monthly expense. With that being said, we feel that bikers should never struggle with excessively high monthly premiums. For the best deal possible, you’ll need to compare and contrast the premiums made available from contending providers. Don’t hesitate to key in your zip code to begin looking at rates and policies.

Minimum Motorcycle Insurance

The state of California dictates the minimum motorcycle insurance required. Liability insurance covers the cost of your court defense, along with the cost of any damages you cause in an accident with a third party. California has laid out the minimum liability coverage. There are three minimum liability coverages set forth:

  • For Injuries to a Single Party: $15,000
  • For Injury to All Parties: $30,000
  • For Property Damage: $5,000

Yes, if you just want the most affordable motorcycle insurance in San Diego, merely insuring yourself up to these amounts will do the trick. However, intelligent riders go with more than the state minimums. Why? IRC (Insurance Research Council) 14.7% of California motorists aren’t insured. You may want to consider Uninsured Motorist coverage so that you’ll be covered if the other motorist has limited – or zero – liability coverage.

How to Save on Motorcycle Insurance

Motorcycle insurance can be really expensive, especially for young male riders. We know various ways to decrease your monthly premiums.

As you most likely know, the model and make of the bike is a crucial factor. Standards, cruisers, and dual-sports are generally the cheapest to insure, with smaller-sized engines translating to lower rates. Sport bikes and exotics are the most expensive bikes to insure. Even the most experienced bikers may want to think about a safety course through the Motorcycle Safety Foundation. MSF courses usually net you a substantial discount on your insurance rate–as much as 20%. Another option is a lay-up policy, especially if you refrain from riding during the cold months. This will save you money in winter, translating to major savings.

As expected, keeping a clean driving history is really important.

San Diego Motorcycle Insurance Rates

Motorcycle insurance premiums vary greatly based on a variety of factors. Your age, your number of past tickets, and the style of motorcycle you own are all important, as are the coverage options and limits you choose. To gain a better notion of how much your monthly premiums will be, you must supply some of this information. Fortunately, we can help you to do this online. When you submit your zip code, you’ll see a list of respected motorcycle insurance carriers that protect riders in your part of California. Find the insurance providers that you’re interested in, and answer a few questions to begin comparing policies and rates.

Insuring Your Parts and Accessories

Modifying your bike is one of the best parts of riding. If you would like protect your full investment, you may need to have additional coverage to cover your aftermarket parts and accessories. Custom parts and equipment coverage (CPE) covers any additional permanent upgrades and equipment that weren’t on the original bike–parts you installed after purchase. CPE coverage is crucial for people who have invested a lot of money in personalizing their bike.

CA Coverage

Rates & Policies Online

Enter Zip Code