When it comes to riding motorcycles, some regions of the country are friendlier than others. In Southern California, motorcycles present an advantage in terms of being able to escape gridlock and find parking spots. Plus, the scenery in this part of the country is perfect for exploring on two wheels.
Compared to other states, motorcycle riders in California face more requirements for motorcycle insurance. San Diego and all of California calls for liability coverage similar to the minimums required for auto insurance.
Here are five interesting aspects of motorcycle insurance you might not be aware of.
1. Comprehensive Coverage Is Available
Don’t hesitate to ask your insurance agent about the perks of full coverage for your motorcycle. You may be surprised about the provisions that can be added to a policy. Since motorcycles tend to cost less than cars, getting comprehensive insurance is bound to be easier on your wallet. If you ride an exotic or luxury motorcycle, you’ll want to protect your investment with full coverage.
2. Liability Minimums Apply
Just like with car insurance in San Diego, the California Insurance Commission requires riders to carry a minimum amount of liability coverage for bodily injury and property damage. The premiums for this coverage are similar to those of automobiles, and your driving history may determine whether you qualify for discounts.
3. Motorcycle Insurance Can Be Bundled
If you already pay for homeowners and car insurance, you may be able to bundle your policies for the sake of convenience and to get a potential discount. Other vehicles such as jet skis and quadracycles can also be included in your motorcycle policy.
4. Roadside Assistance Is Available
The motorcycle riders you see taking long road trips on the weekends likely have roadside assistance coverage as part of their insurance policies. If your motorcycle breaks down and cannot be repaired on the spot, you’ll at least need towing services. Depending on the level of repairs required, you may need transportation and lodging, which is often included as part of the emergency coverage. Some motorcycle riding clubs offer roadside assistance plans as part of their membership. When this is the case, riders may be able to get a premium discount from their insurance companies, but not on their minimum liability coverage.
5. Safety Equipment Can Also Be Insured
Protective riding gear items such as jackets, gloves, helmets, and boots can be included as coverage provisions in a motorcycle insurance policy, and the same goes for replacement parts such as extra seats and handlebars. Seasoned riders tend to spend quite a bit when purchasing high-quality protective gear, so it makes sense to include these items as part of your policy.
If you need a reliable motorcycle insurance policy, reach out to Altra Insurance Services. In addition to auto and motorcycle coverage, we also offer homeowners and renters insurance. San Diego residents can call (800) 719-9972 today to receive a free quote from one of our friendly agents.