Motorcycle Insurance Santa Maria (CA)

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If you get your bike insured through your automobile carrier, you could end up paying more than you should, even if you have a multi-vehicle policy. In many instances, it’s best to get your coverage through a company that serves riders. Just enter your zip code, and we can connect you with motorcycle insurance providers in your part of California. Examine coverage, premiums, and secure coverage without having to crank up your bike.

Motorcycle Insurance: California Laws

California has imposed minimum liability limits for motorcyclists. Liability coverage compensates other motorists for medical costs and the replacing of property lost in an accident. Your liability insurance coverage has to meet or exceed certain minimum thresholds established by the state.

  • For Injuries to a Single Party: $15,000
  • For Injuries to Two or More Persons: $30,000
  • For Property Damage: $5,000

Yes, less coverage results in cheaper motorcycle insurance. On the other hand, less coverage translates to higher risks that your insurance payout will not cover your total medical costs if you injure or are injured by another driver. Keep in mind that the cost of health care and personal property often increases faster than legislation is changed.

How to Save on Motorcycle Insurance

Aiming to maintain the least expensive insurance premiums as you can?

Follow these steps, and you will be on track to more affordable rates.

The specific bike you’re insuring is an important factor. Standards, cruisers, and enduros/dual-sports are generally the easiest to insure, with smaller displacements equating to more affordable premiums. Sportbikes–particularly literbikes and hyperbikes–are known to have the highest insurance rates. Graduating a Motorcycle Safety Foundation course is good for a 10-20% with most insurance companies. A lay up policy–in which you only pay the bare minimum during the wintertime–is a good option for many weekend warriors.

Many insurance providers offer policies like this.

Motorcycle Insurance Rates in Santa Maria

Without allowing for a number of factors, it’s hard to estimate the cost of insuring a bike. These include the model and make of your bike, the extent of your coverage, your driving history, and much more. To get an accurate idea of what your rates will be, you’ll want to provide some of these details. The good news is, we can help you do this online. When you enter your zip code, you’ll find a list of reputable motorcycle insurance companies in Santa Maria. Choose the insurance companies that seem like a good fit, then explore premiums and policies.

Eligible Types of Motorcycles

Whether you ride a sport bike, standard, cruiser, chopper, or even a scooter or dirt bike, there’s coverage available.

  • Supersports: These can cost a fortune to insure. Countless sport riders don’t purchase collision or comprehensive coverage, so as to save some money. This is often a mistake, as even the smallest accident can lead to thousands of dollars in damage to the bodywork of these bikes.
  • Customs and Cafe Racers: Do you own a bike with lots of upgraded parts or accessories? If so, you should look into Custom Parts and Equipment (CPE) coverage. If you haven’t got coverage, the replacement of the majority of such parts aren’t included in case of an accident. No, you will only be compensated for the value of your stock bike.
  • Mopeds and Scooters: Insurance makes sense, whether it’s required or not. Scooters are so cheap, you might want to simply obtain liablity coverage. You might find that this type of coverage is reasonably priced, and worth it.
  • Dirt Bikes: Certain private off-road parks and publicly-maintained trails require you to have liability insurance. Normally, these policies are less expensive than for street-legal bikes.

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