"Four wheels move the body....but two wheels move the soul." - Unknown

Motorcycle Insurance For The Modern Age

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Motorcycle Insurance

Choosing the right Motorcycle Insurance policy is a lot like choosing the right motorcycle.  It has to fit your needs, your lifestyle, and your budget.  Just like with car insurance, the state of California requires that you carry a minimum amount of liability coverage if you are going to ride your motorcycle on city streets and state highways.

Many different factors will play a role in determining how much you will pay for your Motorcycle Insurance.  Some things to consider that will affect your rate are:

  • Your Age
  • Your Driving Record
  • Where You Live
  • The Type of Motorcycle You Own (e.g. sport bike, cruiser, custom)
  • The Age of the Motorcycle
  • The Number of Miles You Ride Per Year
  • Where You Garage Your Motorcycle

There are options available to riders which can help reduce their Motorcycle Insurance premiums.

Some of these options are:

  • Take and Pass a Motorcycle Rider-Training Course
    • Many insurance companies will offer a discount to graduates of motorcycle training courses like The Motorcycle Safety Foundation Rider Course.  This can be very beneficial, especially for riders who are age 25 or younger as they are generally considered “higher risk”.
  • Maintain a clean driving record
  • Find out what other discounts you may qualify for with the insurance company.
    • Many insurance carriers offer a Multi-Bike discount.
    • Riders that are members of motorcycle clubs or associations may qualify for organizational discounts.
    • Mature Rider discounts can help experienced riders save money.

Now that we’ve talked about all the different factors that can affect your Motorcycle Insurance rate, the next thing to consider is the type of protection that best fits your specific needs.

There are many different coverage options to be aware of when considering the type of Motorcycle Insurance policy that’s best for you.  It’s important to have a strong understanding of the different coverage options available and what they do.

The below coverage options are available on all motorcycle policies:

  • Bodily Injury (Liability)
  • Property Damage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured Motorist Protection
  • Medical Payments

We will go into more detail below on each of these options, if they are required by law, and how they will perform in the event you are in an accident.

Motorcycle Insurance Coverage Details

Bodily Injury Liability

This covers injuries the policyholder may cause to someone else in the event of an accident. This protection is required by California State law.


Property Damage Liability

This covers damage that the policyholder may cause to someone else’s property in the event of an accident. This protection is required by California State law.


Collision Coverage

This covers damage to the policyholder’s motorcycle from a collision. The collision could be with another car, a building, fire hydrant, etc. This coverage is not required by California State law but may be required by your finance company if you have a loan on your vehicle.

Comprehensive Coverage

This covers damage to the policyholder’s motorcycle that doesn’t involve a collision with another car. Examples of risks that would typically be covered include fire, theft, falling objects, explosions, etc. This coverage is not required by California State law but may be required by your finance company if you have a loan on your vehicle.

Uninsured Motorist Protection

This covers the treatment of the policyholder’s injuries as a result of a collision with an uninsured driver. Underinsured Motorist Coverage can also be included in a motorcycle policy. Underinsured motorist coverage is when an “at-fault” driver has liability insurance, but the limit of insurance is not enough to pay for your damages.

Medical Payments

Also known as “Med Pay”, this covers the treatment of injuries to the rider (and passenger) of the policyholder’s motorcycle. This may include hospital and ambulance bills, as well as doctor visits and other necessary medical treatments.

Knowledge Is Power

Now that you have a better understanding about the different types of coverage available on a motorcycle policy, you’re probably ready to find the coverage that’s right for you.

Remember, motorcycle insurance is not a “one size fits all” solution.

Your needs are going to be different from the next person so it’s important that we work together to create a policy that will meet your specific goals and most importantly, be affordable.

I will shop the top rated insurance carriers to find you the best insurance policy, with the most coverage, at the lowest rate.

By working with me, you will get the personal attention you deserve, a superior policy to protect you, and a price that will fit your budget.

Now that’s insurance done right.

Fill out the brief form to your right or call 760.600.0550 and let’s get started.

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Frequently Asked Questions

How much Motorcycle Insurance do I need to legally drive in the state of California?

In the state of California you are required by law to carry a minimum amount of liability insurance to cover the costs associated with damages or injuries that you may cause in the event of a car accident.

The current state minimum limits are as follows:

  • $15,000 for accident-related injury or death to one person.
  • $30,000 for accident-related injury or death to multiple people.
  • $5,000 for accident-related property damage.

If you cause an accident and are found “at fault”, the minimum Liability Insurance required by law may not be enough to cover the cost of injuries and damage that result from the accident.

In this case, YOU, as the driver responsible for the accident, would then be required to pay any additional bodily injury and/or property damage claims out of pocket. Depending on the severity of the accident, this could cause financial ruin.

It is imperative that you carry an adequate amount of liability insurance coverage within your insurance policies.

I work closely with my clients to make sure they are protected in the event of an “at fault” accident.

How can I compare Motorcycle Insurance quotes to make sure I'm getting the best rate?

As an “Independent” Insurance Agent, my allegiance is to my clients, not to any one single insurance carrier.

Because I work with the top rated insurance companies in the country, I compare insurance coverage and pricing with all of them at once, to make sure that my clients are getting the best insurance protection at the lowest possible rate.

In addition, there are NO FEES to my clients for personal insurance, so the only thing you’ll ever pay for is the coverage that you need.

What can I do to lower my Motorcycle Insurance costs?

There are many factors that contribute to the cost of insurance premiums some of which are within your control.

1.) First and foremost, the type of motorcycle that you drive will greatly affect the insurance premium that you pay.  Some of the factors that contribue to the insurance rate of the vehicle are:

  • Year of the motorcycle (newer motorcycles = higher rate)
  • Features & Package (the nicer the motorcycle = higher rate) – Keep this in mind when considering “limited” editions or “touring” packages.
  • Type of motorcycle (sports bikes, high end Harleys, and luxury motorcycles = higher rate)

To keep your motorcycle insurance premiums as low as possible, you may want to consider driving a slightly older (2-4 years from current year), or less valuable motorcycle.

Keep this simple rule in mind…The more your motorcycle is worth, the more it can cost to insure it.

2.) Another way to lower your insurance costs is to select a higher deductible for your comprehensive & collision coverage.  Most people have been taught that they need to have very low deductibles ($100, $250 or $500) so that they will pay the least amount out of pocket if they need to file a claim.

While this is true, ask yourself how often you’ve paid this deductible and used your comprehensive or collision insurance. Remember, you are paying “extra” every month to have the privelage of paying a lower dedutible if the need arises

You may want to consider raising your deductible slightly higher and keeping more money in your pocket each month you pay your insurance bill.

3.) Drive safely…!!  Remember, every ticket you get, accident that you cause, or any kind of DUI will raise your rates significantly. A clean driving record is the #1 easiest way to control your insurance costs.

4.) How many miles do you drive? The more you drive….the higher your insurance costs. See if you can scale back how much driving you do.  Remember, the average driver in California drives 12,000 miles per year.

5.) When ever possible, always “bundle” your insurance products together. The savings can be significant.

What will you need from me to run a quote?

We ask that you provide the following (fields in red are reqauired):

General Information:

• Full Name

• Spouses Name (if applicable)

• Address

• Phone

• E-mail

• Marital Status

For Each Driver:

• Occupation

• Employers Name

• Date of Birth

• Drivers License Number

• Drivers License State

• Driving Record (tickets, accidents, DUIs, etc.)

For Each Motorcycle:

• VIN #

• Annual Miles Driven

• Odometer Reading

Current Insurance Inforamtion:

• Current Insurer

• Current Insurance Coverage

• Current Insurance Payment

This information will allow us to “shop” your insurance quote with the top rated insurance carriers and provide you the best insurance coverage options at the lowest rate.

You can either call or e-mail the information directly to me at:



Or you can Request A Quote by clicking HERE.

We will get you the coverage you need at a price you can afford.

Is there a cost to work with you or use your service?


Our agency charges NO FEES to our clients for personal insurance, so the only thing you’ll ever pay for is the coverage that you need.

We will provide you comprehensive information on insurance laws, regulations, and requirements, all while creating an insurance program that will properly protect you, at a price that is afforable.

What My Clients Are Saying

Don’t just take it from me, I’ll let my customers do the talking!

“John Solis is the man!!

He helped me find the best insurance coverage and cheapest for my (rideshare) business with Uber. I was with a different insurance company and purposefully switched over with John Solis just because he’s that good…!!!  Plus, he saved me money in the process.

Thanks John for all your help. I hope to be with you for years to come.”

Rob M.

Business Owner, El Cajon

“John is such a great agent.

From the start he found the deficiencies and over pays in my current policies, helped make changes, and explained everything so I understood.

A lot better coverage that fits my family’s needs and SAVED money.

After that he didn’t forget me. The follow ups were appreciated and helpful.  He gave me options throughout so I can make decisions but with his help.

As a person, you couldn’t find a better man. He treated me like an actual person and showed he cared.

I highly highly recommend him to everyone.”

Henry B.

Real Estate Agent, San Diego

“It was great working with John, he listened to me and found exactly what I needed.

He managed to save me a lot of money as well as get a much better package.  I would 100% recommend John to anybody looking for insurance!”

Tom B.

Global Management, Oceanside

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For An Immediate Quote, Please Call 760.600.0550

Contact Me:

John C. Solis - Agent / Broker

Advanced Brokers Insurance Services

674 Via De La Valle #223

Solana Beach CA 92075

760-600-0550 - Cell