California quite possibly offers some of the best scenery for a recreational ride. Whether you take your motorcycle out for a long cruise down the shoreline or for a quick spin through the brightly lit cities, there’s ample opportunity and roadways for a biker to enjoy. However, before you take to the streets it’s important you have done your research, regarding your options for motorcycle insurance in California.
Once you’ve secured the perfect policy, customized to match your unique lifestyle, the next step is truly determining how to keep your policy rates at a level which works with your budget. Let’s face it, while insurance policies are a must-have, you don’t really want to make a claim on your California motorcycle insurance policy if you can help it. If you find yourself in a position where you need to make a claim, you may find that in some circumstances your premiums increase. This is because the event may have made you a higher risk in the insurer’s eyes than you were before. One way to ensure your premiums stay low is to keep your risk level as low as possible:
Lock and alarm
One common type of motorcycle insurance claim relates to theft. Keep your risk of being a motorcycle theft victim low by doing everything you can to keep your bike safe. Invest in locks, immobilizers and alarms, and always park your bike somewhere safe.
You can decrease your risk levels by staying as safe as you can on your bike. Keep to the speed limit, stay off unknown or poor quality roads, and only ride if you’re in a fit state to so do. Not only will you reduce the likelihood that you’ll need to make a claim, but you’ll be at reduced risk of physical harm too.
Consider your surroundings
Premiums associated with motorcycle insurance in California can be affected by where you live, so expect to pay more if you live in an area deemed to be high-risk. If moving isn’t on the agenda, then make it a priority to keep your motorcycle parked indoors, out-of-sight, and protected from the elements.