Motorcycle Insurance
Navigating how to get motorcycle insurance can be simple. As a motorcycle rider myself, I can take you step-by-step to make it easy to understand your coverage options.
I can help you customize your policy to ensure you have the right coverages to suit your situation.
Coverage types include liability insurance for injuries or damages caused by you, the rider, and policies typically cover damages and/or injuries to you and/or your property. This means if you get into an accident and it’s your fault, liability coverage helps pay for damages and injuries. Grasping the range of coverage options, such as personal injury protection, collision coverage, and comprehensive insurance covers, is key to choosing an insurance policy that suits your needs and lifestyle.
Selecting the right coverage has several factors, including the value of your motorcycle and its engine size. More expensive motorcycles typically lead to higher insurance premiums due to increased costs to replace or repair them. Motorcycles with larger engines generally incur higher insurance premiums, influencing the type of coverage that may be beneficial.
In other words, the more valuable and powerful your bike, the more coverage you might need. It’s a matter of balancing the expenses and potential risks. Do you want to pay lower premiums and risk higher out-of-pocket expenses if an accident occurs? Or would you rather pay higher premiums for peace of mind that your finances won’t take a massive hit if something goes wrong?
Remember, the cheapest policy isn’t always the best. The goal is to find the best value – optimal coverage that fits your needs at a price within your budget.
You may want to add comprehensive and Collision coverage for added protection. Uninsured/underinsured motorist coverage is necessary to protect against damages caused by drivers who lack adequate insurance. Roadside assistance coverage can help with immediate issues such as running out of gas or experiencing a flat tire.
For those with custom motorcycle parts, additional premiums may be required, and the full value of customizations might not be covered in the event of a total loss.
Choosing a higher deductible usually results in lower monthly premiums but greater costs during a claim.
Coverage limits, on the other hand, are the maximum amount your policy will pay on a claim. Opting for higher limits protects against large out-of-pocket expenses but may increase premiums. If you have expensive custom parts, consider higher accessory coverage limits to protect these parts after an incident, even though this leads to higher premiums. The aim is to strike a balance between your budget and your peace of mind.
Some companies require a motorcycle endorsement to have insurance but some will insured you without a Motorcycle Insurance
If you are lucky enough to have multiple bikes, you can receive great savings with a multi-bike discount.
Regularly reviewing and updating your policy keeps your protection current and optimal. For personalized advice and tailored recommendations, contact an Big Cory at
707-690-8321 (Mobile)
cory@bigcory.com
bigcory.com.com
Motorcycle Insurance
Motorcycle Insurance Basics
Are you looking for Motorcycle Insurance in California?
As a motorcycle rider, Big Cory Insurance knows how important protecting your bike can be, and can help! Big Cory Insurance's insurance policies cover all kinds of motorcycles, from sport bikes, cruisers, standard, touring bikes, custom motorcycles, scooters and classic motorcycles.
They can also cover custom equipment, medical payments and towing and labor, as well as protecting the other drivers and individuals on the road around you.
State Requirement
The state of California requires all motorcycle owners to have Motorcycle Insurance.
Do I have to register my Motorcycle?
If you do not register your motorcycle, you will not get a license plate for your bike. Therefore, every time you hit the road with your bike, you are driving illegally. And if state enforcers caught you driving illegally, it might cost you a hefty fine.
Minimum Amount Of Coverage
There is no standard amount of coverage required for your motorcycle insurance. It varies from one state to another. You should check the regulations in your state. Each state set a minimum amount of physical property damage liability coverages on motorcycle insurance.
For your protection, you should get beyond the minimum requirements. California follows the 15/30/5 formula in motorcycle insurance. It means that a motorbike owner should have at least.
- $15,000 physical injury coverage per person.
- $30,000 physical injury coverage per accident.
- $5,000 for property damage coverage.