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Motorcycle Insurance

from The Insurance Place

Motorcycle Insurance

The San Diego area is one of the best in the country for year-round motorcycle riding. But you want to make sure you are safe and legal when you hit California’s roadways. Like auto insurance for operating a car or truck, motorcycle insurance can cover your bike and give you the liability insurance the state requires.

The minimum motorcycle insurance required by law in California is:

  • $15,000 bodily injury for one person
  • $30,000 bodily injury for two or more persons
  • $5,000 property damage

Bodily Injury Coverage

This part of your policy pays the medical bills of another person injured in an accident where you are found to be at fault.

Property Damage Coverage

If you are at fault in an accident, this part of the coverage reimburses property owners for a damaged vehicle, landscaping, or other items.

Optional Motorcycle Insurance Coverage

You may also elect to add various types of optional coverage to your motorcycle insurance policy. Many motorcycle owners feel this gives them greater peace of mind, so they can enjoy their bikes without worry.

  • Comprehensive coverage for theft, fire, vandalism, etc.
  • Uninsured motorist coverage
  • Medical coverage for you and your passengers
  • Roadside assistance
  • Custom parts and equipment

At The Insurance Place, we are independent agents with dozens of motorcycle insurance products at our disposal. We welcome the opportunity to speak with you about creating a custom insurance package that works with your budget. We can talk with you about off-season coverage of your bike if you only ride part of the year, plus how you can adjust your deductible to change your premium. Your premium is the cost of your insurance, while the deductible is the amount you pay out of pocket prior to your policy paying out in the event of a claim.

Contact us at 760-643-2100 or reach out online today for a quick quote or more information. California is very strict about enforcing insurance requirements for motorcycle owners. Don’t risk going without the coverage you need to ride legally and protect yourself and your bike in case of an accident.