Tips for Finding Cheap Motorcycle Insurance Online in California

Obtain a motorcycle insurance online in California It is the easiest way to protect yourself in case of accidents or unforeseen events. Above all, because in this state the law requires that all motorcyclists have a minimum civil liability insurance.

However, finding cheap motorcycle insurance that meets your needs can be challenging. For this reason, in this article we share the best tips so that you can find the cheapest motorcycle insurance, without having to leave home. Keep reading and don’t miss any detail!

1. Compare various motorcycle insurance companies

The first step to finding affordable motorcycle insurance in California is to compare rates from different companies. You can easily do this by searching for motorcycle insurance online, or by visiting insurance comparison websites, with which you can get quotes from various insurers in no time.

Consider that the national average annual cost of motorcycle insurance coverage is $780, while in California the median is $1,816 (or $151 per month). This average makes it the most expensive state in the entire United States, even more than areas like Florida, Michigan, Missouri and Louisiana.

But when calculating motorcycle insurance online, do not make the mistake of only comparing prices, you must also analyze additional factors such as coverage and policy conditions.

2. Take advantage of discounts

There are different types of online motorcycle insurance discounts that you can take advantage of to reduce the cost of your payment. According to Insurance Information InstituteSome of the most frequent discounts are:

• Discount for safe driving course: Like those taught by the Motorcycle Safety Foundation (MSF). This is especially useful for those under 25, who tend to pay more for their coverage. It’s also a good idea if you’ve already had accidents.
• Discount for insuring more than one motorcycle: You can save by insuring multiple motorcycles. Or, if you already have car insurance, taking out the motorcycle policy with the same company can give you an extra discount.
• Discount for being a member of a motorcycle club or other association: You can get a special discount if you are part of a motorcycle group.
• Discount for being a mature motorcyclist: Experienced drivers can also save with veteran driver discounts.
• inactivity discount: In northern states of the US, where the motorcycle is not used in winter, you can save money with “idle” policies. During those months, you only pay for comprehensive coverage and the rest is suspended.

Be sure to ask insurance companies about available discounts and whether you qualify for them.

3. Choose the right coverage for your motorcycle

Before purchasing motorcycle insurance online, it is important to select the coverage that best suits your needs and your budget. Well, if you choose coverage that’s too broad, you could end up paying for protections you don’t need.

Above all, as you search for your motorcycle insurance online, keep in mind that California is a fault state. And this means that it is necessary to have a minimum civil liability insurance, which covers the injuries and damages that you can cause in an accident where you are at fault.

The minimum amount of insurance required is:

• $15,000 for injury or death to one person.
• $30,000 for injury or death to two or more people.
• $5,000 for property damage.

Eye! These minimum limits are low and may not be enough if you cause a serious accident that results in damages that exceed the amount of coverage you have. In this case, you will have to pay the difference out of pocket or face a lawsuit that could seize your assets.

Therefore, the recommendation is to opt for a policy with higher civil liability limits and add other types of coverage to protect your assets and finances in the event of an incident. Don’t risk what has cost you a lot of hard work!

4. Maintain a good driving record

One of the best ways to get cheap motorcycle insurance online is to have a good driving record. Motorcyclists with clean records, with no accidents or moving violations, often get better rates on their policies.

So now you know, drive safely and respect traffic laws to have an impeccable record and reduce the cost of your protection.

5. Increase the deductible

Another strategy to reduce your motorcycle insurance premium is to increase the deductible, which is the amount you will pay out of pocket before the insurer will cover the costs in the event of an accident.

By choosing a higher deductible, you will be assuming more liability in the event of an accident, but in exchange, you could get a cheaper policy. However, make sure the deductible is an amount you can afford.

In conclusion, finding cheap online motorcycle insurance in California is possible if you follow these tips. Remember, compare rates from different companies, take advantage of available discounts, choose the right coverage, maintain a good driving record, and consider raising your deductible. By doing so, you can enjoy the protection you need for you and your motorcycle without spending more.

Find your motorcycle insurance at low cost in CA

Don’t wait any longer and start quoting motorcycle insurance online, free and without obligation! At Freeway Insurance we help you find the best insurance for your motorcycle, at the lowest price in California and cities like Los Angeles, San Francisco, San Diego, Sacramento, San José and many more.

Protect your assets and enjoy the peace of mind offered by adequate coverage for your needs and budget. Start your quote onlinevisit us in one of our nearby offices, or call us at 800-441-5533. We have the perfect insurance for you!