Motorcycle Insurance Santa Ana (CA)

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Are you looking for affordable motorcycle insurance in Santa Ana? Motorcycle insurance rates are based upon a multitude of factors:

  • Style, age, and displacement of the machine.
  • Miles you ride annually.
  • Whether it’s kept in a garage.
  • Your credit history and driving history.

We have partnered with motorcycle insurance providers in Santa Ana and throughout California to help you find the very best, most cost-effective policy for your ride.

Motorcycle Insurance Requirements

The state of California has set forth the minimum coverage required for liability coverage. Liability coverage pays for losses suffered by third parties in accidents for which you are judged to be liable. Your liability protection has to meet or exceed certain minimum thresholds for personal injury to others and losses to others’ property.

Santa Ana CA Motorcycle Insurance
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  • $15,000: Liability Coverage for Personal Injuries of a Single Party in an Accident
  • $30,000: Liability Coverage for Personal Injury to All Persons in an Accident
  • $5,000: Liability Coverage for Damage to Property

If saving the most money possible is your top priority, just getting insured up to these levels will work. However, don’t forget: liability insurance only helps if you are at fault in the accident. What if an uninsured driver hits you. To protect yourself, you need Uninsured Motorist insurance. To help protect your bike, you’ll need a comprehensive or full coverage motorcycle insurance policy.

Keeping Your Premiums Affordable

For many California riders, economizing is a priority. There are a number of steps you can take.

Insurance premiums vary dramatically according to the make and model of motorcycle you ride. Liter-class bikes are generally the most expensive to insure, while motards and cruisers are fairly reasonable. Many insurance companies offer substantial reduced premiums for riders who complete a Motorcycle Safety Foundation Course, often as much as 20%. If you rarely ride during winter, look at a lay up policy, where all coverage but comprehensive is suspended for specific months of the year.

Ask your insurance carrier if they offer policies like this.

Santa Ana Motorcycle Insurance Rates

Worried how much insurance coverage will cost? That will be based upon a number of important factors. Factors include the type of bike you own, the extent of your coverage, your driving record, even your credit score. To see what your rates will be, you need to supply some of this data. Thankfully, we can help you do this on the web.

When you enter your zip code, you will be shown a list of respected motorcycle insurance companies in Santa Ana.

Covering Your Accessories and Parts

Is your bike highly modified? Then you have to have extra coverage to protect your aftermarket parts and accessories. Custom parts and equipment coverage, aka CPE, covers any additional accessories that weren’t on the original bike. CPE coverage is vital for those who have dropped more than $1000 on aftermarket parts.

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