Requirements Regarding Motorcycle Insurance in Murrieta CA Aug14

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Requirements Regarding Motorcycle Insurance in Murrieta CA

Motorcycle Insurance in Murrieta CA has the same liability requirements as any other passenger vehicle in the state. It is the responsibility of the owner to make sure requirements are met. Knowing what those entail will help owners with that task. An independent agent, such as those found at Barranca Insurance Services Inc., is the best person to get you the coverage needed while staying on budget.

Minimum Requirements

Owners must have no less than fifteen housand dollars liability coverage for the injury or death of one person. The minimum for more than one person is double that amount. Property damage must be covered up to at least five-thousand dollars. The California Department of Motor Vehicles (DMV) website indicates that most comprehensive or collision insurance policies do not meet these minimum requirements (mq).

Review the Current Policy

Any policy currently in effect for Motorcycle Insurance in Murrieta CA should be reviewed by an insurance agent. If the policy was purchased online or by calling a company that offers instant insurance, it is likely to fall short of requirements. It is also possible that even if a policy meets mq, coverage may not be enough to protect the motorcycle. After an accident is not the time to realize coverage will not replace a totaled motorcycle.

Premiums

Insurance premiums are based on risk, so several factors are reflected in the total cost. The age of the driver, any history of accidents, and the primary use of the bike are taken into consideration. An older driver who has no accidents and uses the motorcycle for seasonal recreational use will enjoy low premiums. Someone who intends to use the cycle year-round and carry a passenger will pay higher rates.

Getting the Best Policy

Utilizing an independent agent allows that agent to compare the policies and premiums of many carriers instead of being limited to one or two. This means it is easier to find proper coverage at the desired price. Extra coverage to replace a valuable make or model is often worth the cost to motorcycle owners. Discuss what amount of coverage will provide peace of mind over and above the minimum. You can also connect them on Facebook.

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