Motorcycle Insurance San Juan Capistrano (CA)

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Looking to decrease your insurance rates? You might want to get your coverage through a company that caters to motorcyclists. Simply submit your zip code, and we can help you find motorcycle insurance companies in your area. Compare policies and premiums online.

Motorcycle Insurance Laws

The state of California dictates the minimum motorcycle insurance required. Liability insurance offers protection against claims alleging that the insured’s negligence caused injuries or damage to a third party. Your liability insurance coverage must satisfy or exceed certain minimum limits established by the state of California.

San Juan Capistrano CA Motorcycle Insurance
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  • For Injuries to a Single Person: $15,000
  • For Injuries to All Parties: $30,000
  • For Damages to Personal Property: $5,000

You might want to chat with a broker to decide just how much coverage is best for you. Just submit your zip code to find a motorcycle insurance agent in San Juan Capistrano, CA. For all motorcyclists, we do encourage Uninsured Motorist (UMI) coverage. After all, 14.7% of California’s motorists don’t have insurance.

Minimizing Your Premiums

Premiums can be extremely high, particularly if you own a sportbike or high-priced Harley. We know a number of ways to trim your rates.

  • Complete a Motorcycle Safety Foundation (MSF) course. This will generally get you a 10-20% discount.
  • Avoid tickets. This is fundamental!
  • Buy a lay-up policy. With such a policy, the winter months are less expensive, especially if the bike is in storage.
  • Get a low-premium bike. It’s likely that you already own the bike you need to insure, but keep in mind that sport bikes are the most expensive to insure.

San Juan Capistrano Motorcycle Insurance Quotes

Worried how much insurance coverage is going to cost? That will be based upon a number of important factors. Many bikers focus on the make and model of thei bike and their driving record, but variables such as where they live, types of coverage, liability limits, added protections, and discount rates are also important. Thankfully, we can help you to evaluate policies and rates from a variety of companies.

When you enter your zip code, you will be shown a list of reputable motorcycle insurance carriers in your area. Then, you can pick the insurers that interest you.

Custom Parts and Accessories Coverage

Personalizing your bike is almost as fun as riding. If you’d like to protect your full investment, you have to purchase Custom Parts and Equipment Coverage (CPE) and/or Additional Parts and Equipment Coverage (ACPE). Custom parts and equipment coverage, often referred to as CPE, is an addition to your policy that covers…

“Custom parts or equipment; devices; accessories; and any improvements and changes other than those installed by the original manufacturer that alter the performance or appearance of your vehicle and are permanent in nature.”

The coverage is not included in your collision and comprehensive protection, but it may have exactly the same deductible. You need to consider this coverage if you like upgrading your bike.

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