A Guide to Motorcycle Insurance in Murrieta CA

Riding a motorcycle is much different than getting behind the wheel of a car. While it may seem more fun to ride than to drive, it’s more dangerous as well. In this guide, riders can get information on various types of Motorcycle Insurance in Murrieta CA, as well as information that can help them stay safe on the road.

What Type of Insurance is Necessary?

As one may imagine, motorcycle and auto insurance coverages are similar. They may include:

•Liability coverage to take care of damages done to other parties (including bodily injury, property damage, and collision insurance)

•Comprehensive coverage: If something other than an accident damages a motorcycle, it’s covered after the rider pays the deductible.

•Under/uninsured motorist coverage: If an uninsured driver causes damage, this coverage will pay out. This type of insurance typically takes care of lost wages, medical bills, and other economic damages.

Customized Bikes

If a person makes significant and expensive changes to a motorcycle, it’s good to get optional equipment insurance. Most collision and comprehensive policies protect only factory-installed parts. However, optional equipment insurance covers the money and parts that go into motorcycle customization.

Saving on Motorcycle Insurance

Riders can take various steps to reduce the cost of Motorcycle Insurance in Murrieta CA. They can:

•Raise the deductible. When a rider increases his or her deductible, they can save each month, but they’ll pay more out of pocket in the event of an accident.

•Maintain a safe riding record.

•Take a state-approved motorcycle safety course.

•Install an anti-theft device.

•Ask an agent about a multi-coverage discount.

Reducing the Risk of an Accident

As most riders know, being a motorcyclist comes with a certain level of risk. Therefore, it’s important to take steps to reduce the chances of a serious accident. It’s important to wear the right safety gear, including a helmet, boots, and gloves. Don’t drink and ride, and be sure to become familiar with the bike’s controls before hitting the open road. Being a safe rider can help in many ways, including a lower insurance premium. Visit Barranca Insurance Services Inc. or call today for a no-obligation quote.