Motorcycle and Auto Insurance
Information for California
We are an independent, full service insurance
agency working hard to provide low rates and great
service to California motorcycle and automobile
owners. Because we are an “independent”
agency we work with many insurance companies to
find the very best coverage and rates for your California
motorcycles, autos, cars, and trucks.
Free Motorcycle Insurance
Quotes
Here are the ways to get a free quote
from us:
Call us at (800) 808-2695 and get
an instant quote over the phone from
one of our friendly representatives. We always
prefer to take our time to speak to you personally.
Our experienced agents will make sure all of
your questions are answered, and all possible
discounts are included.
Quick
Motorcycle Quote Request –
Click below and simply supply the requested
information and get your quick quote from many
of California's best insurance companies.
We represent most of the top-rated automobile
insurance companies licensed in California. We will
help you find great insurance coverage for your
car, truck, home, boat, auto, or motorcycle at the
lowest rates possible.
"We are committed
to providing you with SUPERIOR service and protection
at affordable rates. We make YOU our priority."
More Information about Motorcycle
Insurance
California motorcycle insurance protects you
against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company
agrees to pay your losses as defined in your policy
Motorcycle insurance provides property,
liability and medical coverage:
Property coverage pays for damage to or
theft of your car.
Liability coverage pays for your legal responsibility
to others for bodily injury or property damage.
Medical coverage pays for the cost of treating
injuries, rehabilitation and sometimes lost
wages and funeral expenses.
A motorcycle insurance policy is comprised of
six different kinds of coverage. Most states require
you to buy some, but not all, of these coverage's.
If you're financing a motorcycle , your lender may
also have requirements.
Most motorcycle policies are for six months to
a year. Your insurance company should notify you
by mail when it’s time to renew the policy
and to pay your premium.
You must have motorcycle insurance to drive.
Almost every state requires you to have motorcycle
liability insurance. All states also have financial
responsibility laws. This means that even in a state
that does not require liability insurance, you need
to have sufficient assets to pay claims if you cause
an accident. If you don’t have enough assets,
you must purchase at least the state minimum amount
of insurance. But insurance exists to protect your
assets. Trying to see how little you can get by
with can be very shortsighted and dangerous.
If you've financed your motorcycle , your lender
may require comprehensive and collision insurance
as part of the loan agreement.
What to expect in your motorcycle policy:
Your motorcycle policy may include six coverage's.
Each coverage is priced separately.
Bodily Injury Liability
This coverage applies to injuries you, the designated
driver or policyholder cause to someone else.
You and family members listed on the policy
are also covered when driving someone else’s
car with their permission. It’s very
important to have enough liability insurance,
because if you are involved in a serious accident,
you may be sued for a large sum of money. Definitely
consider buying more than the state-required
minimum to protect assets such as your home
and savings.
Medical Payments or Personal
Injury Protection (PIP) This coverage
pays for the treatment of injuries to the driver
and passengers of the policyholder's vehicle.
At its broadest, PIP can cover medical payments,
lost wages and the cost of replacing services
normally performed by someone injured in an
vehicle accident. It may also cover funeral
costs.
Property Damage Liability
This coverage pays for damage you (or someone
driving the vehicle with your permission) may
cause to someone else's property. Usually, this
means damage to someone else’s vehicle
, but it also includes damage to lamp posts,
telephone poles, fences, buildings or other
structures your vehicle hit.
Collision This
coverage pays for damage to your vehicle resulting
from a collision with another vehicle , object
or as a result of flipping over. It also covers
damage caused by potholes. Collision coverage
is generally sold with a deductible of $250
to $1,000—the higher your deductible,
the lower your premium. Even if you are at fault
for the accident, your collision coverage will
reimburse you for the costs of repairing your
vehicle , minus the deductible. If you're not
at fault, your insurance company may try to
recover the amount they paid you from the other
driver’s insurance company. If they are
successful, you'll also be reimbursed for the
deductible.
Comprehensive
This coverage reimburses you for loss due to
theft or damage caused by something other than
a collision with another car or object, such
as fire, falling objects, missiles, explosion,
earthquake, windstorm, hail, flood, vandalism,
riot, or contact with animals such as birds
or deer.
Comprehensive insurance is usually
sold with a $100 to $300 deductible, though
you may want to opt for a higher deductible
as a way of lowering your premium.
Comprehensive
insurance will also reimburse you if your windshield
is cracked or shattered. Some companies offer
glass coverage with or without a deductible.
States do not require that you purchase
collision or comprehensive coverage, but if
you have a vehicle loan, your lender may insist
you carry it until your loan is paid off.
Uninsured and Underinsured
Motorist Coverage This coverage
will reimburse you, a member of your family,
or a designated driver if one of you is hit
by an uninsured or hit-and-run driver.
Underinsured motorist coverage comes into
play when an at-fault driver has insufficient
insurance to pay for your total loss. This coverage
will also protect you if you are hit as a pedestrian.
