Get Cheap Motorcycle Insurance in California

California has been a biker’s paradise for varied reasons. From pleasant weather, all around the year to beautiful sceneries; the Golden State- California has everything that could turn a motorcycle ride into the best experience ever. Both the Northern and Southern Californian regions have been witnessing a rise in the number of motorcyclists every year. In recognition of this rising trend, the Californian government has a set of strict rules concerning motorcycle insurance for its residents. One can find the cheapest motorcycle insurance in California, and get a decent coverage plan for one’s bike protection.

Cheap Motorcycle Insurance in California Quotes select your ‘state’

Just like any other State in America, California has its own set of rules and regulation with regards to motorcycle insurance. There are a few compulsions for the motorcyclists without which they may be penalized for riding bikes. In order to have an even better understanding, here is a description of everything one would want to know about low-cost motorcycle insurance in California.

Californian Laws for Motorcyclists:

Motorcyclists in California are required to be fully aware of all the laws in the State, in order to prevent themselves from being penalized. For instance, if a person gets into an accident resulting in injuries or property loss of up to $750, then he/she is required to contact a local DMV at first. Hence, knowledge of such basic laws can help one to keep away from penalties. Some of the main driving laws in California are as follows:

1. Laws regarding Helmets in California:

• Motorcyclists in California are required to wear helmets that conform to the standards set up by the ‘United States Department of Transportation’.
• There is no restriction on wearing colored or stickered helmets provided the design fits the standards of the Government.
• Face and eye covering is recommended as per the State’s laws but are not mandatory.
• Earphones or earplugs are not allowed to be worn while driving, while light ear coverings for protection against noises can be used.

2. Laws regarding License for Motorcyclists:

As per the Californian law, there are different classes of license available as mentioned below:

• A class M1 license allows the holder to drive motorcycles and other similar vehicles like scooters or mopeds.
• A class M2 license allows its holder to drive all types of two-wheeled vehicles except a motorcycle.
• Finally if one as a motorcycle with a car attached to it or has a 3-wheeled bike, then he/she is supposed to have a class C license.

To qualify as a license holder of any class mentioned above, the following are the steps to complete:

• The first step in getting a license is a vision test, which one has to pass to qualify as a license holder.
• A written test is the second thing to be completed by the motorcyclists to get a license.
• The final step is to complete a driving course, i.e. the California Highway Patrol course, and gain certification. For those above 18, this option can be replaced with a driving test.

By qualifying in all the three steps, one can get a license to drive legally in the State of California.

Laws regarding Motorcycle Insurance in California:

Motorcycle insurance is another important requirement for the drivers in California. There are certain minimum standards set by the Government in regards to liability coverage that must be met by every motorcyclist. They are as follows:

• Liability coverage of about $15,000 for physical injury caused to one person in an accident.
• Liability coverage of about $30,000 for overall injuries in an accident.
• Liability coverage of about $5,000 for property loss or damage in an accident.

Motorists without the above-mentioned mandatory coverage are considered as illegal drivers in California. Apart from liability coverage, other types such as medical and uninsured drivers coverage are not mandatory, but it is advised to opt for these additional plans as well, for one’s own financial security. However, if one wishes to have the lowest cost motorcycle insurance, then one can do so by simply going with the mandatory coverage alone.

While looking for motorcycle insurance, many tend to search for the cheapest motorcycle insurance company to pay low premiums. But a point to be noted here is that policies with such cheap rates only provide the mandated section of coverage. Opting for such policies without coverage for medical bills and other bike repair charges is a very risky choice. For example, if a biker is hit by a car driven by an uninsured driver and the biker has cheap motorcycle insurance, then the medical costs for any injuries to the biker will have to be paid his pockets. Hence, having full coverage motorcycle insurance is highly beneficial.

Cheap Motorcycle Insurance Quotes:

Shopping for motorcycle insurance requires searching through different insurance providers to find a cheap motorcycle insurance quote. In order to help the shoppers to find the cheapest motorcycle insurance quote, a research was conducted comparing quotes for a sample rider from over 5 companies. The average insurance rate in California is about $665 and a comparison of the companies with the Californian average gave the following results:

Cheap Motorcycle Insurance Quotes from major leading firms just  select your ‘State’

• The 5 companies chosen are GEICO, Progressive, Esurance, Markel, and Dairyland.
• GEICO was found to be the cheapest motorcycle insurance company, with an annual average rate of $459, which is far less than the Californian average.
• The second position was bagged by Markel, which provides an annual average rate of $511.
• Amounting up to $584 of annual average insurance rates, Progressive insurance company ranks third.
• Esurance, however, has an annual average that is slightly higher than the State’s average rates, which goes up to $687.
• Ranking to be the costliest insurance company, Dairyland has annual average insurance rates up to as high as $1,081.

Hence, by going through the above research one can easily find the “cheapest motorcycles insurance California.”

The above discussion will help one to look for “cheap motorcycle insurance”; here are few notable points while applying for an insurance policy.

What Proofs are required by DMV to Sign up for Liability Insurance Policy?

When a person applies for liability coverage, the insurance company will automatically send the required data to the Department of Motor Vehicles (DMV), but there are a few other documents the DMV asks the insured to submit separately. They are as follows:

• An ID or a document from the insurance company proving that the insured has sufficient coverage.
• An authorization letter, if one had made a cash deposit or has to prove that the person is self-insured.
• An SR 22 certificate or in other words, California Proof of Insurance Certificate, in case of high-risk insurance policies such as huge coverage plans and owner’s policies.

Now, after knowing the details of how to choose the best motorcycle insurance policy with affordable rates, let us conclude by knowing the penalties for those who violate the insurance laws.

Penalties on those who Violate Insurance Laws:

Following are the circumstances within which a motorcyclist can be penalized:

• When one gets stopped by a police officer and has no proofs of insurance or financial responsibility, then he/she can be given a traffic ticket.
• There are certain circumstances when one’s vehicle registration could be suspended. Such situations are as follows:

1. When a person submits a false proof for registration.
2. When the insurance company does not submit the proofs of one’s insurance application within 30 days of time after the registration card was issued by the State Government.
3. When one fails to re-apply for liability policy within 45 days after being canceled.

To conclude, one must look after all the above-mentioned points in order to enjoy the cheapest motorcycle insurance in California, while having good coverage.