Motorcycle Insurance 101

There are many things you need to think about when you purchase a motorcycle, including accessories, registration, and the purchase of riding gear. Another important thing you need to consider is insurance. Your motorcycle can be insured just like any other big-ticket item. Here’s what you need to know.

Is Motorcycle Insurance Legally Necessary?

Yes. In most jurisdictions, it is legally required that you have an insurance policy for your motorcycle in order to ride it on public thoroughfares. There are only three states that don’t require motorcycle insurance, and California isn’t one of them (the states are New Hampshire, Montana, and Florida, if you’re curious).

What Are the Benefits of Insurance?

Motorcycle insurance helps you to save money in the event of damage to your motorcycle. If you’re in a crash, or if someone knocks your bike over and damages it, your insurance policy may cover some or even all of the costs of repairs. This is also true if your motorcycle is stolen. But if you don’t have an insurance policy, you’re going to be on your own when it comes to paying for repairs or replacement of your motorcycle.

How Can I Find Motorcycle Insurance?

One easy way to find a policy for your motorcycle is to check with your home, rental, or car insurance company to see whether they also insure motorcycles. You may be able to bundle the costs of your various insurance policies to save yourself some money!

You can also check out local motorcycle organizations and clubs to see whether they have leads on good motorcycle insurance rates or if they offer discounts through a certain company. And you can investigate any local car insurers in your area to see what their policies for motorcycles are like.

Stop by our Westminster, CA, dealership location, which serves all of Orange County, to check out our fine selection of new and used motorcycles for sale. We can even provide you with financing options; just talk to our staff if you have questions. Indian Motorcycle® of Orange County serves our customers in and around Los Angeles, CA.