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Motorcycle Insurance

Western Century offers over twenty years experience in finding clients great rates on California motorcycle insurance coverage. Western Century shops multiple California motorcycle insurance companies to find the best combination of price and coverage for you and your motorcycle.

Types of Motorcycles Covered

Most California motorcycle insurance policies cover cruisers, street sport, touring, high performance bikes, and scooters. If you are a motorcycle enthusiast, and have needs that are unique to your motorcycle, ask an Western Century representative for details on a policy that is right for you.

Uninsured / Underinsured Motorist Coverage

Protects the driver and passenger of a motorcycle damaged by an at fault driver that is uninsured or underinsured. Underinsured motorist coverage provides additional coverage on top of the injured parties' liability coverage in the event the injuries cost exceeds their limit of coverage and the limit for the underinsured motorist coverage is higher than their bodily injury liability limit.

Custom Parts and Equipment

Custom motorcycle equipment, parts, and after-market parts are generally not covered by a standard California motorcycle insurance policy. If your motorcycle has been customized, you will require additional coverage. Some carriers allow an insured to purchase additional coverage for these items. After you complete our online California motorcycle insurance quote process, you will receive an Western Century instant quote on the coverage you requested! This quote will include not one, but many California motorcycle insurance carriers' rates. If you wish to speak to a representative about any questions you have, or wish to purchase your policy, click "Please Contact Me" at the end of the quote process.

Bodily Injury & Property Damage Liability (BI/PD) - BI/PD covers you if you're at fault for an accident that injures another person or damages someone's property, up to the limits you select.

Comprehensive & Collision - This motorcycle insurance coverage pays to repair or replace your motorcycle if it's stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. We pay for the remaining damage.

Uninsured/Underinsured Motorist (UM/UIM) - When the person at fault for an accident doesn't have insurance or doesn't have enough insurance, UM/UIM will cover your injuries and damages that the at-fault party is legally liable for, such as medical treatment and lost wages.

Medical Payments - MedPay covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of who is at fault. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted.

Custom Parts & Equipment - When you purchase Comprehensive or Collision motorcycle insurance coverage, at least $3,000 of Accessory coverage for your custom parts and equipment is included in most states. Up to $30,000 of additional Accessory coverage can be purchased to cover custom parts that exceed the included value.

Roadside Assistance - If your motorcycle breaks down, Roadside Assistance will pay to tow it to the nearest qualified repair facility. Roadside Assistance also covers the necessary labor costs at the place of breakdown when your motorcycle or off-road vehicle is disabled due to any of the following: