September 28, 2015

Motorcycle Insurance

Protect Your Bike and Yourself with Cornerstone Preferred Insurance

Whether you use your motorcycle for regular commuting or occasional joyrides, the insurance agents at Cornerstone Preferred Insurance can recommend the right motorcycle insurance package for you. We will shop the top providers to find the best motorcycle insurance at the lowest cost.

Motorcycle Insurance CoverageHow To Get A Quote for Your Motorcycle Insurance

To get your quote, simply call one of our agents at our Glendale or Santa Clarita locations or get a quote online and let us know some details:

  • Make, model, and condition of the motorcycle that you want to insure
  • Names and driving history of the persons you want to insure to ride your bike
  • Details about safety courses that you have taken or any safety devices that you installed on your motorcycle, which can help you quality for additional savings

Then, we’ll take it from there! After giving us the information, all you have to do is wait for the very best coverage at the lowest price.

What Does Motorcycle Insurance Generally Cover?

In California, motorcyclists must have insurance that covers, at minimum, the following:

  • $5,000 property damage
  • $15,000 for bodily injury or death to one person
  • $30,000 for bodily injury or death to multiple people

If you don’t have this minimum coverage, then your vehicle could be suspended or impounded, and you may be fined.

While insurance for your own vehicle damage is not required, you may want to round out your policy for better protection. Here are some other things that you should consider getting coverage for:

  • vehicle damages in case of an accident, so you can fix or replace it
  • theft, fire, or vandalism while it is being stored
  • accessories like a side car or helmet
  • towing and labor
  • transport trailer

How to Reduce Motorcycle Insurance Rates

If motorcycle insurance rates are seeming pretty pricey, there are quite a few ways to reduce your rates:

  1. Complete a Training Course
    The more safety courses that you complete, the less of a perceived risk you are to your insurance company. Therefore, enrolling in a safety training course is a great way to quickly reduce your rate, especially if you’re a new rider or you’ve been in an accident. Be aware that most insurers only apply a discount every 3-5 years.
  2. Become a Preferred Operator 
    Having a clean driving record makes you a “preferred operator”. Know what’s on your driving record and see if you qualify as a preferred operator.
  3. Use Your Network
    Belonging to a motorcycle association may score you a 10% discount on insurance costs! These include the American Motorcycle Association, Harley Owners Group, Motorcycle Safety Foundation, Motorcycle Touring Association, and more!
  4. See if You Qualify for Age Discounts
    Older riders usually get lower rates. Some discounts begin in the late 20s, while others begin at middle age. Our agents can help you find a provider that will give you the best discounts.
  5. Shop Around
    Don’t go with the first provider that you find online. Let our agents take a look at your record and credit score to find the insurance provider that is right for you. You’ll get much better rates than if you just search on Google!

What Types of Bikes Are Covered?

Almost any type of motorcycle can obtain coverage through our providers; however, rates will definitely vary depending on the perceived riskiness of your bike. Sport and supersport bikes are usually the most expensive models to insure.

  • Cruisers
  • Street Bikes
  • Dirt Bikes
  • Touring Bikes
  • Classics
  • Trikes
  • Scooters
  • ATVs and Off-Road Vehicles

Give Our Motorcycle Insurance Agents a Call Today!

Want to insure your motorcycle at the best possible price? We can help. As independent motorcycle insurance agents, we aren’t tied to any one insurance provider. We can search hundreds of policies with different companies to make sure that you are getting the very best policy with the very best discounts.

Give the insurance agents at Cornerstone Preferred Insurance a call today for the very best motorcycle insurance in Southern California. We have locations in both Santa Clarita and Glendale! You can also get a quote online for quick service.