Motorcycle Insurance
Your Motorcycle Insurance Agency
California boasts more motorcycles than any other state. Perhaps unsurprisingly, the Golden State also offers a near-endless vista of scenic rides, including Big Bear Lake, the Angeles Crest and the iconic Pacific Coast Highway. At Fara Insurance Solutions, we share the passion for this open road. From our home in Rialto, we’re rolling into our second decade of serving riders’ motorcycle insurance needs.
California’s Motorcycle Coverage Requirements
Every motorcycle or motor-driven cycle rider in California must carry liability insurance. State law defines a motorcycle as a vehicle with two or three wheels and an engine displacement of at least 150 ccs. Saddled vehicles with an engine smaller than 150 ccs carry the motor-driven cycle classification. California requires these insurance levels for both cycle types:
- $15,000 liability for one other person’s injuries
- $30,000 liability total coverage for all other involved persons’ injuries
- $5,000 for damage to another person’s property
The other person covered by the injury liability categories includes a passenger on your bike. If you frequently ride with a passenger, ask us for a motorcycle insurance quote with a liability limit above the state minimum. California law requires that your cycle must have an approved passenger seat if another person climbs aboard.
Failure to carry these coverages can lead to fines, a license suspension or your bike’s impoundment. Riders under age 21 must also complete the 15-hour California Motorcyclist Safety Program to obtain insurance and earn their licenses.
While California does not require insurance for mopeds and motorized bikes, getting coverage for these lower-powered vehicles is wise and easy to afford. Whether you are riding a moped, motorized bike, motor-driven cycle or motorcycle, California law requires an approved helmet for riders and passengers. Wearing a helmet is also plain common sense, and failure to don this vital head protection will likely void any insurance claim.
Recommended Motorcycle Insurance Coverage
Along with the fun, freedom and fuel efficiency of a motorcycle comes an element of risk: In an accident, a cycle offers far less protection than an automobile. This harsh reality means that recovery for an injured rider may take months or even years. With these consequences, Fara Insurance Solutions recommends coverage above the required motorcycle insurance in California.
Uninsured/Underinsured Motorist Coverage
You aim to ride safely and responsibly every time, but not every motorist on California’s roads exercises the same care. In the worst case, a driver may victimize you and unlawfully abandon the accident scene without leaving a name or proof of insurance. In a more likely situation, a motorist may carry only the state-mandated minimum coverage, an amount that often falls well short of an injured rider’s medical care needs. In either case, uninsured/underinsured motorist coverage can help you pay the bills as you recover.
Medical Payments Coverage
California’s required coverage applies only to the injuries suffered by other persons. If you suffer injury in an accident, medical payments coverage will pay regardless of fault. You may apply these funds to expenses such as prescription medications, therapy or copayments for your health policy. Ask your Fara agent for a motorcycle insurance quote, and learn how medical payments and uninsured/underinsured motorist coverage works with your existing health insurance to provide for your recovery after an accident.
Full Bike Insurance
Full bike coverage adds comprehensive and collision provisions to your motorcycle insurance package. If you are financing your motorcycle, your lender may require this coverage. Here’s how both components work:
- Collision coverage pays for damage to your motorcycle after a collision with an object or another vehicle.
- Comprehensive coverage covers damage to your bike from incidents such as fire, vandalism or theft.
Comprehensive and collision coverage applies to your motorcycle’s standard components. If you have made a substantial investment in custom parts for your cycle, ask your Fara Insurance Solutions agent about optional equipment coverage.
New Rider Discounts
If you are over 21 and embarking on the motorcycle adventure, consider taking the courses offered by the California Highway Patrol. New riders who complete the CHP’s introductory California Motorcyclist Safety Program or the advanced one-day CMSP Premier Course may qualify for premium discounts.
Seasonal Policies
While nearly every day in California is a good day to ride, many Californians own a cycle that sees action for limited periods each year. If you have a bike that you only ride in selected months, a seasonal policy from Fara Insurance Solutions can provide substantial savings.
Foreign Riders
Our bilingual team stands ready to help foreign riders obtain motorcycle insurance in California. While our state will accept your home country license for up to one year, obtaining a California driver’s license may lower your premiums. Talk to a Fara Insurance Solutions agent before your arrival to learn your best options.
Motorcycle Insurance Solutions for All Driving Records
Fara Insurance Solutions’ relationships with top-rated providers empower us to serve riders with all experience levels and driving records:
- Perfect Driving Record: If you sport a pristine record, accept our congratulations, ask us for a motorcycle insurance quote and reap the benefits for your responsible riding.
- Blemished Driving Record: If tickets, a DUI or a license suspension impairs your ability to find coverage, come to Fara Insurance Solutions. We offer competitive SR22 options to serve your transportation needs while meeting your lawful obligations.
- Teen Rider: Fara Insurance Solutions has helped hundreds of teens onto the path of safe and responsible riding.
Roadside Assistance
You’re unwinding with a relaxing weekend ride, and then your bike breaks down. Transporting your cycle to the repair shop and getting yourself back home can be a challenge. Invest in roadside assistance to more easily deal with such unwanted surprises. Along with transport, this perk can handle flat tires, empty gas tanks and dead batteries. Bundling this service with your coverage may be your most cost-effective option, so request a quote from Fara Insurance Solutions before signing up with another provider.
Bundled Coverage for Maximum Savings
Make the most of your dollar by bundling your motorcycle insurance with home, auto or boat coverage from Fara Insurance Solutions. Savings and one-stop simplicity make a winning deal.
From motorcycles to motorhomes, Fara Insurance Solutions stands ready to meet your coverage needs. We invite you to contact us today.
Do you crave the wind in your hair and the open road stretching out before you? Whether you ride your hog cross country or use a motorized bike on your morning commute, make sure you have the right insurance coverage before you pull on your helmet and hit the pavement. With the help of top-rated insurance carriers, we can provide you with the motorcycle insurance you need.
If you’re looking to insure your newly upgraded ride, or simply reviewing your policy (always a smart idea!), we’re happy to help you explore all of your California motorcycle insurance options.
- Roadside Assistance
- Liability Coverage
- Medical Coverage
- Uninsured/Underinsured Motorist Coverage
- New Rider Discounts
- Seasonal Policies
- Full Bike Coverage
- Theft Coverage
Let Fara Insurance Solutions review your needs and make a recommendation for a policy that fits your unique needs. Contact us today to learn more.