California riders get year-round weather and legal lane splitting — and a much higher exposure to injury than drivers. Surequest writes motorcycle policies that cover the bike, the gear and, just as importantly, the medical bills that follow a crash with an underinsured driver.
A commuter riding Highway 101 daily, a weekend rider on Skyline Boulevard and a garage-kept collector all need different limits. We set liability high enough to protect your assets, add uninsured and underinsured motorist coverage because so many California drivers carry minimum limits, and price comprehensive and collision against the real replacement value of your bike.
Standard policies cap custom parts and accessories at a low default. Exhausts, fairings, saddlebags, helmets and riding apparel add up quickly, so we schedule accessory coverage to match what you have actually installed. Roadside assistance and trip interruption are inexpensive additions that matter on a long ride through the Sierra.
Completing a California Motorcyclist Safety Program course, maintaining a clean record, storing the bike in a locked garage and bundling with your auto or homeowners policy all reduce premium. We also write scooters, mopeds, dirt bikes, ATVs and side-by-sides, which are usually excluded from a standard motorcycle form.