Motorcycle Insurance Santa Barbara (CA)

CA Coverage

Rates & Policies Online

Enter Zip Code

We believe that bikers shouldn’t put up with ridiculous monthly premiums. If you want the best rates possible, you need to compare the premiums made available from contending companies. Please make sure to type in your zipcode to begin searching rates and policies, or browse the following to get familiar with the the inner workings of motorcycle insurance in Santa Barbara, not to mention all of the state.

Motorcycle Insurance Laws and Requirements

The state of California dictates the minimum motorcycle insurance required. Liability coverage protects you for covered losses up to your liability cap if you injure a third party, or damage someone’s property, in a car or other accident. Your liability protection must meet or surpass certain minimum caps for personal injuries to others and losses to others’ property.

  • $15,000: Liability Coverage for Personal Injuries to a Single Party in an Accident
  • $30,000: Liability Coverage for Personal Injuries to All Individuals in an Accident
  • $5,000: Liability Coverage for Property Damage

If minimizing costs is your number 1 goal, merely insuring yourself up to these thresholds will do the trick, but remember: liability coverage only covers your own legal exposure. What if you are injured by a motorist who is uninsured? To protect yourself, you need Uninsured Motorist insurance. To help protect your motorcycle itself, you’ll need a comprehensive or full coverage motorcycle insurance policy.

Minimizing Your Rates

Premiums can be extremely high, especially if you ride a sportbike or cruiser. There are a variety of actions to take.

Motorcycle insurance rates vary substantially depending on the style of bike you ride. Sport bikes tend to be the least affordable motorcycles to insure. Even the most veteran bikers may want to look at signing up for a safety course through the Motorcycle Safety Foundation. MSF basic rider courses usually translate to a 10-20% discount. A lay up policy–in which you don’t pay very much for coverage during the wintertime–is a good idea for many weekend warriors.

Make sure you ask your insurance carrier if they offer lay up policies–it’s likely they do.

Motorcycle Insurance Quotes in Santa Barbara

Premiums vary widely based on a variety of factors. Typically, riders focus on the make and model of thei bike and their number of past tickets, but factors like where they live, coverage limits, extra protections, and special discounts all influence one’s rates. Thankfully, we can help you to compare policies and rates from a wide array of companies. Enter in your zip code, and you’ll see a list of insurance providers interested in covering Santa Barbara riders. Select which insurers you’re interested in, then answer a few questions to start comparing rates and policies.

Protecting Your Parts and Accessories

Beyond the regular liability, collision, and comprehensive coverage, you may want to carry Custom Parts and Equipment Coverage (CPE) and/or Additional Parts and Equipment Coverage (ACPE). Custom parts and equipment coverage, otherwise known as CPE, will help you in case of an incident that damages any upgraded parts you’ve added. Custom Parts and Equipment coverage is essential when you’ve dropped more than $1000 on personalizing their bike.

CA Coverage

Rates & Policies Online

Enter Zip Code