Why Do You Need Motorcycle Insurance?

Motorcycle Insurance

Nothing beats the feeling of buying a new bike! However, driving without insurance is not only illegal in all but 2 states (Florida and Washington), it can also be very costly. Motorcycle insurance protects owners from incurring major costs that could be financially devastating. Most states require owners to show proof of insurance to register their motorcycle. Furthermore, it’s important to note that coverage can vary by state. Let’s look at some facts on coverage in California.

Each state has its own minimum requirements for bodily injury and property damage liability, which is the amount a policyholder’s motorcycle insurance company will cover in case of accident. In California, motorcyclists must have bodily injury coverage of at least $15,000 per person, $30,000 per accident, and property damage coverage of $5,000 (15/30/5). Note that this is only the minimum and higher coverage is available upon request.


A very interesting fact about coverage in California is that it also allows for alternative methods of insurance. You can opt out of having to pay an insurance company for coverage by paying a cash deposit of $35,000 to the DMV and obtain a DMV-issued certificate of self-insurance or get a surety bond for $35,000 from a licensed company. It might not be a very doable option for the general public but it’s an option. So, what’s the next step?

Once you’ve chosen your bike and learned all about the importance and coverage provided by motorcycle insurance, it’s time to call Palm Desert Insurance! At Palm Desert Insurance Agency, we are prepared to assist you with obtaining state-mandated insurance and the coverage you need at rates that consider discounts you might be eligible for which may include: safe driving, safety courses, coverage for multiple bikes , renewal discounts, and more. We will shop our network of insurance companies to provide you the best motorcycle insurance, at the best possible rate! Call us today at (760) 341-2345 or stop by our office for a quote on motorcycle insurance.