Acquiring cheaper California motorcycle insurance is made easier if riders focus their attentions on companies that specialize in providing cover for motorcyclists as well as sourcing prices from the some of the more recognized insurance companies that operate within the Golden State.
Legislation is in place that makes it compulsory for California motorcycle insurance to provide the same levels of cover that are applied to all other vehicles. The Tort system dictates that motorcyclists hold the minimum 15/30/5 level of cover which is formatted in the following way:
- A minimum of $15,000 of liability cover for a single third party injured in an accident where the policy holder is considered to be at fault
- A minimum of £30,000 of liability cover for 2 or more individuals injured in an accident where the policy holder is considered to be at fault
- A minimum of £5,000 of liability cover for damage sustained to the property of a third party in an accident where the policy holder is considered to be at fault
Consideration should always be given to additional California motorcycle insurance features such as collision damage cover and protection against uninsured or underinsured drivers. This is particularly important when one considers the increased risk of physical injuries and property damage that can be sustained by motorcyclists in the event of a road traffic accident.
Motorcyclists that boast an accident-free driving history and have taken advanced motorcycling courses are looked upon favorably by most California motorcycle insurance companies and can expect the cost of a policy to drop significantly for being a safe and responsible rider.