Motorcycle Insurance Santa Clara (CA)

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Regardless of whether you want to insure a new bike or find cheaper coverage for your existing ride, we can help. Premiums are based on a multitude of factors:

  • Type of motorcycle.
  • How old it is.
  • Your zip code.
  • Where it’s stored.
  • Your credit history and driving history.

Premiums vary drastically from company to company. You’ll want to compare premiums from an array of insurance providers, which you can do online.

Minimum Motorcycle Insurance: Santa Clara

California dictates the minimum motorcycle insurance required. Liability coverage provides protection from claims of injuries or damage to third parties or property. The state has laid out the minimum liability limits for which you need to have coverage. There are three minimum liability limits detailed:

Santa Clara CA Motorcycle Insurance
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  • For Injuries to a Single Person: $15,000
  • For Injuries to Two or More Individuals: $30,000
  • For Damages to Personal Property: $5,000

You’ll want to talk with a broker to determine what amount of coverage meets your needs. Simply put in your zip code to find a motorcycle insurance specialist in Santa Clara, CA.

Saving on Motorcycle Insurance

Who doesn’t want to spend less on insurance? There are several steps you can take.

  • Complete a Motorcycle Safety Foundation. Most insurance providers offer a 10-20% discount for completing an MSF course.
  • Maintain a clean driving history. Control that throttle hand as citations can increase your rates substantially.
  • Buy a lay-up policy. With these policies, you don’t pay very much during the winter.
  • Ride a low-premium bike. Sport bikes, exotics, and muscle bikes have the most expensive rates.

Santa Clara Motorcycle Insurance Quotes

Without allowing for a number of variables, it’s hard to estimate the cost of insuring a bike. Variables include the model and make of your bike, the extent of your coverage, your driving record, even your credit score. Fortunately, we work with most of the best motorcycle insurance providers, who can provide quotes and coverage on the internet. To get going, enter in your zip code. Determine which insurers appeal to you, and answer a few questions to begin comparing policies and rates.

Custom Parts and Accessories Insurance

Is your bike highly customized? Then you should carry extra coverage to cover your custom bike parts and accessories. Custom parts and equipment coverage (CPE) covers both performance parts such as aftermarket exhausts and suspension components, in addition to cosmetic improvements such as custom fairings, seats, flyscreens, and paint jobs.

In essence, you need it to protect any high-priced aftermarket parts and accessories.

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