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Motorcycle Insurance

Motorcycle Insurance in the greater Los Angeles area

Why do you need insurance for your motorcycle?

Freedom on the open road is even better when you’re not worried about the safety of yourself, your passengers, or your investment. Here are a few things to consider:

  • The cost to fix or replace a damaged or stolen motorcycle is significant.
  • If you or a passenger is injured in an accident, the medical costs can be astronomical.
  • If your motorcycle is responsible for injury to others or damage, you can be sued for much more than you’re worth.
  • As a reflection of your freedom, your motorcycle deserves special protection.

Things to consider and questions to ask your agent

Your specialist is an advocate for getting insurance that meets your specific needs. Here are a few things to consider as you get ready for the discussion:

  • How much can I afford to pay if my motorcycle is damaged, in an accident, or stolen? (Ask your representative what your cost savings would be if you raised your deductible.)
  • What programs and discounts are available? (Taking safety classes or having multiple policies can give you great discounts. You may also save money if you belong to a motorcycle association or your motorcycle is stored in a garage.)
  • How much medical and liability coverage should I have?
  • How good is the insurance company’s reputation for customer service? Is it known for paying claims promptly and fairly?
  • What’s the process for filing and settling a claim?

Tips for the cost-conscious rider

Your age, driving record, where you live, the type of motorcycle you own, or being a graduate of a rider-training course are all factors that play into what coverage is right for you.

  • Many companies offer 10 to 15 percent discounts on motorcycle insurance for graduates of training courses like the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25 are usually considered a higher risk but may get some savings by taking this course. It’s also a good idea for riders who have already had accidents.
  • Maintaining a good driving record with no violations will also reduce what you pay.
  • In many northern states, riders can save money by purchasing a “lay-up” policy. In a lay-up policy, all coverage except comprehensive is suspended during the winter months.
  • Explore what other discounts your agent offers. Multibike discounts (for multiple motorcycles), organization discounts (for association members), and mature rider discounts for experienced riders are just a few possibilities. Discounts can range from 10 percent to 20 percent, depending on the company and your state. Qualifications and availability for discounts vary from company to company and state to state.
  • Keep in mind that the age, type,  and style (such as a sports bike vs. a cruiser) of the motorcycle, as well as the yearly miles you drive and where you store your bike, may also affect the cost of your premium.