Motorcycle Insurance San Jose (CA)

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Here at BikeBound, we think that bikers should never pay ridiculous premiums. If you want the cheapest premiums possible, you’ll want to compare and contrast the rates available from top companies. Don’t hesitate to enter in your zip code to start looking at rates and policies from top-rated companies in San Jose.

Types of Motorcycle Insurance Coverage

When you’re thinking of San Jose motorcycle insurance, you’ll find numerous different types of protection from which you can choose. These kinds of coverages may include:

  • Bodily Injury Liability
  • Property Damage Liability
  • Uninsured Motorist Coverage
  • Collision Coverage
  • Comprehensive Coverage

Bear in mind if your bike is financed or leased, you might be expected to buy a comprehensive insurance policy.

State Minimum Requirements For Motorcycle Insurance

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California has laws mandating the sum of maximum liability coverage you will have to have.

  • $15,000: bodily injury liability maximum for a single person getting injured in a vehicle accident
  • $30,000: bodily injury liability maximum for all injuries in one incident
  • $5,000: property-damage liability maximum for a single accident

Always remember that liability insurance coverage doesn’t necessarily cover you, the the motorbike, or a two-up rider. It just covers your legal risk.

Motorcycle Insurance Quotes in San Jose

Without allowing for a number of variables, it’s tricky to estimate the cost of coverage. These include the type of bike you ride, the extent of your coverage, your driving history, and more. To get a better notion of how much your premiums will be, you will need to supply some of these details. Luckily, we can help you to do this online. All you have to do is type in your zip code to get going. After that you can begin going over rates and policies from the insurance companies you have chosen.

Classes of Motorcycles You Can Insure

No matter the class of bike, it can be covered with insurance. Here are some considerations for certain popular styles.

  • Supersports: As you may know, these can be ridiculously expensive when it comes to insurance. That’s because sport bikes are astonishingly fast and prone to accidents. If you’re in your twenties, the rates will be substantial. As you get older, the monthly premiums lower tremendously. Quite a few sportbike riders neglect to buy more than the mandatory liability coverage, so as to cut costs. However, this is not advisable, as sport bike fairings can be very expensive to replace.
  • Choppers and Bobbers: If you live in San Jose and your bike you ride a bike that has substantial upgrades, you should look at Custom Parts and Equipment (CPE) coverage. Consult an insurance agent to determine whether custom parts coverage suits your bike. Without coverage, most custom or aftermarket parts won’t be protected if there is an accident. Instead, you’ll be compensated for the value of your stock bike.
  • Scooters: Sometimes riders neglect to insure their scooters. Generally, insuring a scooter is pretty cheap, and worth it in the event of a mishap.
  • Dirt Bikes, ATVs, and Side-by-Sides: A lot of private parks and publicly-maintained trail systems require you to have liability insurance. Don’t worry, coverage for dirt bikes is generally quite reasonable.

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