Summer is here, and it’s time to get on the bike and hit the open road. However, before the kickstand goes up, there’s the vital matter of Motorcycle Insurance in Murrieta CA to consider. Insurance agents understand the fun and excitement of motorcycle riding, but they also understand how important it is for riders to protect themselves. Below are several things to know about motorcycle coverage.
It’s Mandatory in Some Areas
While it’s not required everywhere, motorcycle insurance is mandatory in the state of California. Riders must also have a motorcycle endorsement on their driver’s license, and they must wear helmets at all times as well.
Certain Factors Affect Insurance Premiums
Just as with auto insurance, a variety of factors determines a rider’s premiums. They might include, but aren’t limited to:
* The rider’s experience
The expected yearly mileage
The age, make and model of the motorcycle, as well as the value of any customizations
The rider’s location
Whether passengers are to be carried
The rider’s past insurance claims history
A local insurance agent can tell riders which other factors may affect the rate they pay. Call today for further details.
Insurance is Issued on a Yearly Basis
In most parts of California, motorcycling is a year-round activity, and insurance policies are issued according to yearly terms. Therefore, there’s no benefit to canceling a policy during the fall and picking it up again in spring. However, year-round coverage allows riders to ride without worry all year long.
Optional Coverage is Available
There are coverage options for damage and loss. Comprehensive insurance covers theft, fire and vandalism, while collision insurance pays for damages sustained in collisions with other vehicles and road surfaces. A local insurance agent can help a rider ensure that they have enough coverage in the event of an accident.
Consider Bundling Policies
In some cases, riders can save by buying more than one type of coverage from the same insurance company. Most insurers offer multi-policy discounts for customers who bundle their motorcycle coverage with their auto and homeowner’s insurance.
While some may see Motorcycle Insurance in Murrieta CA as an unnecessary expense, it’s a requirement in the state. Consult an agent with Barranca Insurance Services Inc. to ensure proper coverage before the next motorcycling road trip.
