Sunset Plaza Insurance

Motorcycle Insurance coverage is mandatory in California, Arizona and Nevada which are the areas we service. So if you are a resident of these states and are enjoying the open highways and byways on your motorcycle be sure you have insurance coverage.

Motorcycle Insurance is similar to auto insurance coverage. Riding your motorcycle in these states requires that you minimally have liability coverage. Liability insurance covers other people injured in an accident, but it doesn’t cover your own injuries. Look into the wide range of coverage options, including comprehensive and collision coverage.

Comprehensive insurance covers your motorcycle for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your motorcycle if it is stolen; or damaged by flood, fire, or animals. It pays to fix your motorcycle minus your deductible.

Collision insurance covers damage to your motorcycle when your motorcycle hits, or is hit by, another vehicle, or some other object. This coverage pays to fix your motorcycle minus the deductible you choose. Coverage is normally limited to the cash value of your motorcycle.

Comprehensive and collision insurance coverage are not required by a state, but your lender may require them. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket.

Here’s the minimum liability coverage California requires:

• $15,000 for injury/death to one person

• $30,000 for injury/death to more than one person

• $5,000 for damage to property

Although the Arizona and Nevada both require liability insurance only, many motorcycle riders still prefer to get comprehensive and collision coverage which better protects you and your family from financial risks.

The required minimum amounts of liability coverage are:

• $15,000 bodily injury coverage for one person in one accident

• $30,000 bodily injury coverage total per accident

• $10,000 property damage coverage per accident

In Nevada even if you do not use your motorcycle, if you register it you must also insure it throughout the entire registration period.

There are many types of “motorcycles” – from scooters to high-performance sport bikes or even custom choppers. We can find the companies and the policies that make sure you and your bike are covered fully.

Once we identify the coverage that best fits your needs, we will shop for the best and most affordable policies.