If you’re a motorcycle rider in California, you know how important it is to have good insurance. But with so many options out there, it can be tough to figure out which policy is right for you. In this article, we’ll take a look at some of the best motorcycle insurance options in California, and help you choose the one that’s best for your needs.
Why You Need Motorcycle Insurance in California
First things first: why is motorcycle insurance necessary in California? The state has a minimum insurance requirement that all riders must meet. You need to have at least $15,000 of liability insurance for each person injured in an accident, $30,000 of liability insurance total per accident, and $5,000 of property damage liability.
But these minimum requirements may not be enough to fully protect you in the event of an accident. Consider adding comprehensive and collision coverage to your policy. This will help cover the cost of repairs or replacement if your bike is damaged in an accident or stolen. It’s also a good idea to consider uninsured/underinsured motorist coverage, which will help cover your expenses if you’re hit by a driver who doesn’t have enough insurance.
The Best Motorcycle Insurance Options in California
So, what are the best motorcycle insurance options in California? Here are some top choices:
Insurance Company |
Pros |
Cons |
Geico |
Low rates, discounts for military and federal employees |
May not offer as many customization options as other insurers |
Progressive |
Large number of coverage options, discounts for bundling policies |
May be more expensive than other insurers |
Allstate |
Highly customizable policies, rewards program for safe riding |
May be more expensive than other insurers |
State Farm |
Great customer service, discounts for good driving and safety features |
May be more expensive than other insurers, limited policy options |
Ultimately, the best insurance option for you will depend on your individual needs and budget. You may want to get quotes from several different insurers and compare their policies side-by-side to see which one offers the best value.
FAQ: Motorcycle Insurance in California
What does motorcycle insurance cover in California?
At a minimum, motorcycle insurance in California must cover liability for injuries and property damage in the event of an accident. You can also add additional coverage options like comprehensive and collision, as well as optional coverage like accessories coverage.
How much does motorcycle insurance cost in California?
The cost of motorcycle insurance in California will depend on a variety of factors, including your age, driving record, location, and the type of bike you ride. On average, riders in California pay about $700 per year for motorcycle insurance.
Do I need to carry proof of insurance while riding my motorcycle in California?
Yes, you must carry proof of insurance while riding your motorcycle in California. You can carry a paper copy of your insurance card or store a digital copy on your phone or other device.
What should I look for when choosing a motorcycle insurance policy?
When choosing a motorcycle insurance policy, you should consider factors like coverage options, pricing, customer service, and any discounts or rewards programs that are available. You may also want to read reviews from other riders to get an idea of their experiences with different insurers.
Can I cancel my motorcycle insurance policy at any time?
Yes, you can cancel your motorcycle insurance policy at any time. However, you may be charged a fee for early cancellation, and you may also need to find a new insurance policy before canceling your current one to avoid a lapse in coverage.
Conclusion
Having good motorcycle insurance is essential for any rider in California. Whether you’re looking for basic liability coverage or comprehensive protection for your bike and yourself, there are plenty of options available. Do your research, compare prices and policies, and choose the insurer that’s right for you.
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