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 motorcycle, auto,
truck, van, or SUV insurance quote from us:
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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 talk to you
personally. This is our responsibility to you, and if we are going
to be your agent, we should do the work
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Quick Quote Request – Simply
supply the requested information. After shopping for the best rates
and coverage, we will quickly send a quote via email, phone, or fax.
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:
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.
1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
How to contact us
