Motorcycle Insurance Ventura (CA)

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There are some good rides in the Ventura area. Regrettably, insurance can be expensive. To help you spend less and ride more, we have joined forces with insurance companies that work with Ventura riders. In most cases, companies offer numerous discounts. For example:

  • Safe Rider
  • Multi-Vehicle
  • Bundling Home/Auto
  • Low Crime Areas

Simply key in your zip code to find out which companies provide coverage for Ventura residents.

Motorcycle Insurance: California Laws

California has established the minimum coverage required for liability insurance. Liability insurance pays and renders service on behalf of an insured for losses to others. Your liability protection will need to satisfy or exceed certain minimum caps for bodily injuries to others and losses to third party property.

  • $15,000: Liability Coverage for Personal Injuries of a Single Person in an Accident
  • $30,000: Liability Coverage for Personal Injuries of All Parties in an Accident
  • $5,000: Liability Coverage for Property Damage

How much coverage should you get? It depends. Yes, less coverage equals less costly motorcycle insurance. But less coverage equals higher risks that your insurance payout won’t cover your total health care expenses if you injure or are injured by another driver. Keep in mind that the cost of health care and personal property often inflates faster than legislation is changed.

Decreasing Your Premiums

Trying to keep your insurance premiums to a minimum? There are several different steps you can take.

As you probably know, the make and model of the motorcycle you’re insuring is an important factor. For the most part, sport bikes have the most expensive insurance premiums, particularly liter bikes. Even the most veteran bikers may want to think about taking a safety course through the Motorcycle Safety Foundation. These courses typically net you a a discount of up to 20%. If you keep your bike in storage during winter, think about a lay up policy, where coverage is marked down for specific months out of the year.

And finally, avoiding traffic violations is very important.

Ventura Motorcycle Insurance Rates

Rates vary greatly based on a variety of variables. Your age, your driving record, and the style of bike you ride are all important factors, as is the type and extent of coverage you select. The good thing is, we work with a lot of the most popular companies that cover riders in Ventura. They can offer you quotes and rates on the web. Submit your zip code, and you will be shown a list of insurance companies interested in covering Ventura motorcyclists. Select which insurers you’re interested in, then explore premiums and policies.

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Rates & Policies Online

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