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Qualifying for Public Insurance

Find the requirements for your state. The two most popular public insurance programs are Medicaid and Medicare. Each of these plans is different and is geared to different populations.

  • Medicaid. Historically, Medicaid has been a public insurance plan for certain groups of people, such as the disabled who do not work and low-income people with dependent children. With the passage of the ACA, states were given the option of expanding Medicaid to cover all people with incomes up to 138% of the federal poverty level, regardless of whether they have a disability or children.[14] Not every state, however, has chosen to expand its Medicaid program. You should check with your state’s Department of Human Services.
  • Medicare. Medicare is health insurance available for people who have paid into the Medicare system through payroll taxes. You will qualify for Medicare if you are age 65 or older.[15] Generally, you must work for at least 10 years, paying into the system during that time.[16]

Apply for public health insurance. If your state expanded Medicaid and you meet the income eligibility limits, then your name will be forwarded to your state’s Medicaid office when you apply for health insurance on the ACA exchanges. To apply for Medicare, you can do the following:

  • Go through this Checklist to make sure that you have all the information that you will need.
  • Apply online. It takes 10 minutes to apply online. Visit this website and answer the questions when prompted.

Understand the structure of Medicare. Medicare has many different parts, some of which you must pay a premium for and others for which you don’t. Additionally, you may need to shop for policies to supplement Medicaid.

  • Medicare Part A generally covers hospital or nursing-facility care, hospice, and home health care. There is no premium.[17]
  • Medicare Part B covers medically necessary services that diagnose or treat a medical condition and preventive services.[18] Most people have to pay a monthly premium, which averages around $100.[19]
  • Prescription Drug coverage. If you want prescription drug coverage under Medicare, then you must purchase a separate plan. You can do so either through a private insurer or a Medicare-approved private company.

Research prescription drug plans. If you want to purchase a prescription drug policy, then you will need to research different plans. Plans tend to differ according to the medications they provide; not all prescription plans will pay for any prescription. Accordingly, you should gather your medications and write them all down. Then, you will search for a prescription drug plan that covers these drugs.

  • To find a prescription drug plan, you can visit the Medicare Plan Finder, by clicking here. You will be prompted to enter your zip code.
  • You must then answer a variety of questions about the Medicare coverage you currently have, including any prescription plan. Then you will be prompted to enter in a list of all of your drugs.

Search for supplemental insurance. If you have a large number of medical expenses, then Medicare alone can leave you with substantial out-of-pocket costs. Therefore, Medicare allows you to purchase a supplemental insurance plan. These plans can help reduce copayments, coinsurance, and deductibles. In order to buy a supplemental insurance plan (also called a “Medigap” policy), you must also have Medicare Parts A and B.[20]

  • To find a supplemental policy, visit this website. You must enter your zip code, your health status (excellent, good, poor), and whether you have a Medigap policy currently.
  • You will then be able to browse a list of policies: Medigap Policy A, Medigap Policy B, etc. The information includes the monthly premium range, estimated annual cost, and benefits offered.[21]
  • You can then click on “View companies” to see a list of companies offering each type of policy. You will then be provided phone numbers and websites for the companies so that you can contact them.


Applying for Coverage on the ACA Exchange

Understand the benefits of the ACA. If you choose to get health insurance through the ACA exchanges, then you can qualify for a subsidy. Subsidies are available to people with family incomes between 100% and 400% of the poverty level.[5](A “family” includes single people.) You must, however, purchase the insurance through the exchange to qualify.

  • The government will also provide assistance with covering out-of-pocket expenses for those with particularly low incomes. You must be enrolled in at least a Silver plan to qualify.
  • To estimate the amount of your subsidy, visit this website and use its Health Insurance Marketplace Calculator.

Check when you can enroll. You cannot enroll in an insurance plan offered through the ACA at any point in the year. Instead, the open enrollment period typically runs from November 1 until January 31 of each year.[7] It may shift depending on the year.

  • If you miss the enrollment period, then you can still purchase short-term coverage. However, you will not get a subsidy and you may also have to pay a fee each month.[8]
  • You might qualify for a “special enrollment period,” which can be triggered by a life event, such as the birth of a child or moving to a new state.[9] If you qualify, then you can purchase a plan on the exchange regardless of the time of year.
  • The ACA is in a constant state of flux. Sometimes deadlines are extended, and exemptions or “special enrollment” requirements often shift or change. Accordingly, you should call 1-800-508-6754 with questions about your particular circumstances.

Create an account. You must visit and create an account. First, pick your state. Then create a username and password, which you should write down someplace handy. You will need to login each time you visit the website.

Complete the application. In order to complete an application, you will need information about your finances. For example, you should gather information about:[10]

  • Social Security Number
  • Citizenship or legal resident information
  • Job and income details, including all self-employment income
  • Current health care coverage information

Receive a determination. The government will send you a PDF explaining whether you qualify for a subsidy, how much, and/or whether you qualify for Medicaid. The PDF should also tell you what steps to take next.

Shop for health insurance policies. The ACA has created different “tiers” of health insurance policies: Catastrophic, Bronze, Silver, Gold, and Platinum. These tiers are based on how the costs are shared between you and the insurance company.[11] Generally, the higher the tier, the more you pay in premiums but the more the company pays in co-insurance.

  • Catastrophic. These plans are available only for those under 30 or for people who have a qualifying exemption. Under this plan, the insurance company pays less than 60% of the total average cost of care.
  • Bronze. Under this plan, the insurance company pays about 60% of the cost of care; you will pay around 40%.
  • Silver. The average for a silver plan is 70% for your insurer and 30% for you.
  • Gold. The average for a gold plan is 80% for the insurer and the remaining 20% paid by you.
  • Platinum. With the platinum plan, your insurer pays 90% on average and you pick up the remaining 10%.

Apply. You can select a plan and apply for it through the website. You cannot be turned down for a pre-existing condition, so approval is virtually automatic.[12] Once you are approved, you will be sent information from the health insurance company.

  • Remember, if you have to purchase insurance outside the exchange, then an insurer can still discriminate based on a pre-existing condition.[13]

Make monthly payments. Because you are not receiving insurance through a job, you will need to make monthly premium payments to the health insurance company. If you receive a subsidy, the health insurance company should apply the subsidy to your premium before sending you the bill.

  • Keep records of payments and pay in a timely manner. If you do not pay your insurance each month, then you may end up having to pay a penalty.


Finding Insurance on the Open Market

Search for insurance. If you cannot get insurance through an employer, then you may want to search for insurance plans on the open market. You can find private insurance plans in the following ways:

  • By contacting insurance providers directly. In many areas, there are only a few health insurance plans available. Ask nearby hospitals and clinics which types of insurance they accept and contact those companies.
  • Through an insurance agent. Look for insurance agents in your area that represent a number of insurance companies rather than just one.
  • With comparison sites on the Internet. Websites such as eHealthInsurance and NetQuote allow you to comparison shop. These sites take your information and pull up all of the health insurance plans available in your area.

Compare costs. There are several different elements that make up the total cost of health care. When comparing health insurance plans, you should pay attention to each.

  • Premiums. A premium is simply the monthly payment made to the insurance company to keep the policy active.
  • Coinsurance. Coinsurance is the amount that you pay for any service (in addition to the deductible).[1] A more natural way to think of it is the amount of any medical bill that your insurance company will pay. For example, many plans have 80/20 coinsurance rates. This means that the company will pick up 80% of the costs after your deductible has been met.
  • Deductibles. A deductible is the out-of-pocket charge that you must pay before some other part of the health insurance will kick in. Typically, deductibles must be met before the insurance company pays coinsurance. Deductibles may not apply to all services.[2]
  • Co-pay. A co-pay is a fixed flat fee that a consumer pays when receiving a medical service. For example, you may have to pay $25 for each doctor’s visit. The amount may vary depending on the service.[3]

Assess your health care needs. To find a cost-effective plan, you should consider your health care needs. Families will have different needs compared to single individuals, and healthy young people can anticipate needing a different level of service than elderly people. To assess what kind of plan you need, consider the following:

  • The number of visits you make in a year to the doctor or specialist.
  • Whether you have had hospital stays or anticipate hospital stays in the future.
  • If anyone in the family has a chronic illness.
  • Whether the plan covers your doctors.
  • Whether you or family members have jobs or hobbies that are risky.
  • Whether you want brand name prescription drugs or generics.

Check if “riders” are available. To increase coverage on an individual plan, see if the insurance company offers riders, which will provide coverage for a specific situation at an increased cost.

  • For example, if you were enrolled in an individual plan that does not provide dental care, then you might be able to get a rider for a root canal for an extra fee each month.

Apply. After deciding which hospitals near you accept which carriers, choose a health insurance plan that works for you. Nowadays, the most efficient and easy way to sign up is online. In your online application, you may need to submit information pertaining to:

  • Your previous insurance plan
  • Your medical history, including any prescriptions or medications you may take
  • Any previous plans or past doctors

Find out if you can join your parents’ insurance plan. Under the Affordable Care Act, a child under the age of 26 may join their parent’s health insurance plan if that plan covers children.[4] You may join your parents’ plan even if you are:

  • Married
  • Not living with your parents
  • Enrolled in school
  • Financially independent
  • Eligible to enroll in an employer’s plan

Getting Health Insurance through an Employer

Understand the benefits of group coverage. Because group coverage is provided for many people through an organization, insurance companies are ultimately able to save money. Accordingly, you are more likely to receive comprehensive (or full) coverage than if you purchase as an individual on the open market. You are also likely to pay a lower premium than you would by purchasing individual insurance.

  • One negative about purchasing insurance through an employer is that the employer probably makes various decisions about the scope of coverage. For example, the employer may want to only allow you to access physicians within one provider network.

Contact Human Resources. Your HR rep will guide you through the paperwork of joining a company insurance plan. Your company will generally offer several different plans from at least one, perhaps several, insurance carriers. In filling out your application, you may need information pertaining to:

  • Your previous insurance plan
  • Any enrolling eligible dependents
  • Any serious illnesses

Compare plan options. Many companies offer health insurance plans for full-time employees. You can also use these plans to cover an entire family, though you’ll have to pay some monthly fees based on the plan that you choose and the number of people you are covering. Companies typically offer these types of plans.

  • Health Maintenance Organizations, or HMOs, are the least expensive option. In this type of health plan, you have a primary care physician who takes care of all health issues and refers you to a specialist when necessary.
  • Preferred Provider Organizations, or PPOs, are more expensive, but give you more freedom in your choice of doctor. You are able to see any doctor within the organization without a referral.
  • Point of Service, or POS, plans offer discounted rates for providers that are within a network, but you are free to pay higher rates to see a doctor outside of the network.

Fill out an application. You should complete the application and turn it in to HR in a timely fashion. Keep a copy for your records in case HR loses the application.

Receive your health insurance card. After you submit your application to Human Resources, you should be notified promptly of your acceptance. However, your employer may have certain enrollment periods which limit when you can pick up coverage.

  • Pay attention to when coverage begins. If accepted, look for your enrollment date, which is the date that you can start using your health care insurance to pay for medical expenses such as doctor visits. The enrollment date can sometimes be several weeks after you are approved.

Consider COBRA for temporary insurance. If you are laid off from your job, then you still have the option of carrying your insurance. The Consolidated Omnibus Budget Reconciliation Act, or COBRA, allows individuals to continue an insurance plan after losing health insurance. While you will receive the same coverage, you will be responsible for the full payment of the insurance premiums. If you are leaving a job, your company will give you information about COBRA.

The Average Cost of Motorcycle Insurance in NYC

Due to heavy traffic, the cost of motorcycle insurance in New York City is unusually high. In fact, many companies don’t even offer it. All of the same factors that determine premiums apply for motorcycle insurance, but the greater risk leads to greater cost. It is extremely difficult to determine an average cost of motorcycle insurance in New York, however, due to the high variance in human factor that changes the amount so drastically.

Difference Between Auto and Motorcycle Insurance

  • Because of the decreased potential for harming others in a crash between a motorcycle and a car, liability insurance for a motorcyclist is actually less than that of a car. Conversely, the insurance you pay for “uninsured motorists,” or if you are physically harmed by someone who does not have insurance, is greater because you are personally more at risk when riding a motorcycle. Auto insurance has an opposite trend. In New York, there is more potential for risk to the rider, so these numbers become inflated.

The Human Factor

  • Another factor that makes it difficult to project an average cost of insurance in any region, let alone New York City, is the human factor. Insurance rates for automobile drivers vary based on their age, experience, and driving record. This factor becomes even more significant for a motorcyclist, as it requires more skill and experience to operate a motorcycle. Therefore, the rate for an inexperienced, young motorcyclist might be closer to $1,000 a year, perhaps more if they are riding a sports bike or one with a larger engine. But an older and more experienced rider with a good driving record in New York might be able to acquire coverage closer to that of a regular car, perhaps even less.

Companies That Cover Motorcyclists in New York

  • Because of the many hazards of driving a motorcycle in New York City, many insurance companies make it difficult to acquire coverage, while some do not offer it at all. To increase your chances of being offered a good rate, you should have a sensible bike and proof of training.

How to Keep Costs Down

  • You can keep your motorcycle insurance lower in a high-risk area like New York by complying with a few things insurance companies like. You can lower your rate by having a bike with a smaller engine or fewer cc’s of power, as well as taking a motorcycle-safety course. As with standard auto insurance, a history of safe driving and few or no claims will lower your rate over time.

Collision Coverage

  • Collision coverage, unlike liability coverage, is not required in many states; it’s a bit of an add-on. But in a congested area like New York City, it might be worth the extra cost. It covers the damage done to your bike, not to any other auto or property that is involved. Because you are more at risk for damage to your bike than cars are, especially in a place like New York, collision coverage makes more sense. It usually covers the book value of your motorcycle.

What Does Comprehensive Motorcycle Insurance Cover?

Comprehensive motorcycle insurance covers motorcycles damaged in situations that do not involve other vehicles or drivers. This type of coverage is usually required if the motorcycle was bought with a loan. Insurance companies typically offer lower rates if the motorcycle owner takes preventative measures against theft and vandalism, such as locking the motorcycle in a garage, using wheel locks and installing an anti-theft alarm system.

Natural Elements

  • Comprehensive motorcycle insurance covers motorcycles that have been damaged in weather-related incidents, such as storms, hail, flooding and high winds. Natural elements also typically include earthquakes, fire, falling rocks, debris and sinkholes.

Animal Collision

  • A comprehensive insurance policy covers motorcycles damaged or wrecked by hitting animals, such as deer, cows, wild fowl, bison and moose.

Nonresistant or Passive Objects

  • Comprehensive motorcycle insurance policies cover a motorcycle damaged by an inanimate object, including falling signs, trees or light poles.

Civil Upset

  • Comprehensive coverage pays for repairing a motorcycle damaged during civil upsets such as riots, political protests and wars.


  • Stolen motorcycles are rarely found because they are usually “stripped.” A comprehensive motorcycle insurance policy typically covers the cost of the bike and the motorcycle’s custom parts and equipment.


  • Comprehensive motorcycle insurance covers the repairs of a motorcycle damaged during acts of vandalism, malicious destruction and attempted theft.

What States Require Motorcycle Insurance?

You are interested in buying a motorcycle but you have questions about the insurance. As a general rule, the states hold motorcycles to the same insurance standard as personal automobiles, so chances are you will have to purchase motorcycle insurance if you want to ride it in your state. There are some exceptions, however, and some confusing laws to be aware of when making your decisions.


  • Typically, motorcycle insurance is required in every state. There are only two exceptions to this rule in the United States: Washington and Montana. Montana exempts motorcycle owners from the auto insurance statutes, and Washington has no laws regarding insurance for motorcycles, mopeds or other motor-driven cycles.


  • Some states require basic liability insurance for motorcycles but differ in other ways from standard auto insurance. In Alaska, for example, insurance companies are not required by law to offer motorcyclists more than the minimum required liability limit. Oregon, Utah and Texas require cars to carry personal injury protection (PIP) coverage for first-party medical claims, but do not offer this coverage to motorcycles. In Kansas, motorcycle drivers can reject the PIP coverage required for autos.


  • In Florida, motorcycle insurance is optional in some circumstances but not others. If you have a clean driving history, you do not need insurance to register your bike. However, once you cause an accident, you must carry continuous insurance for three consecutive years to maintain your bike’s registration. You are also responsible for any injuries you cause, whether or not you have insurance. Another law states that if you do not carry a minimum $10,000 injury protection insurance for your motorcycle, you must wear a helmet.

Do You Need Motorcycle Insurance in Florida?

Many people ride motorcycles in Florida, due to the almost year-round nice weather. An important consideration for a rider to make is whether she will be purchasing motorcycle insurance in Florida. It is not required, but there are certain requirements that must be met in order to drive without motorcycle insurance.


  • While carrying motorcycle insurance in Florida is important, it is not required. Riders who do not carry motorcycle insurance may not be covered under any insurance unless they meet the requirements and qualifications determined by the state.


  • Motorcycle insurance, much like vehicle insurance, covers the rider in the event of an accident, if the rider causes the accident and causes damage to someone else or another person’s property, and may even cover a rider.


  • A rider can get a motorcycle insurance policy through many vehicle insurers. The policies differ depending on what the rider chooses and is willing to pay for. A rider may elect no motorcycle coverage. In this case, the motorcycle must be paid for (it cannot have a lien holder on the title) and the rider must have a vehicle policy in place on a vehicle registered in his name.


  • If a rider chooses to not have motorcycle insurance, she must live in the state of Florida. Other states may have different rules regarding motorcycle insurance. A Floridian may also be required to purchase motorcycle insurance if she rides outside of the state of Florida. This depends on the insurance company the rider’s 4-wheeled vehicle is registered with. It may also be dependent on the state the rider is driving through. Not all states recognize Florida’s motorcycle insurance rules.


  • If you choose not to have motorcycle insurance on your bike, your vehicle insurance must cover the motorcycle. Always read your insurance policy carefully, as some policies will not cover you if you get in an accident on your bike rather than in the car insured with the insurance company. If you are riding a motorcycle with a lien holder, you must always have a separate motorcycle insurance policy–and it is a good idea to have one, even if your motorcycle does not have a lien holder on the title. With the way insurance companies change policies, you may end up without the coverage you thought you had.

The Average Cost of Motorcycle Insurance

Motorcycles are often considered a cool way to get around town, but they also involve more danger than a regular automobile, which can lead to a hefty insurance premium. When a company gives you an insurance quote on a motorcycle, it includes factors beyond your driving history. You can reduce your premium by increasing your knowledge of your bike and a few safety issues.

The Facts

  • The cost of motorcycle insurance can vary widely, from a couple of hundred dollars per month to well over $1,000 per month for more powerful bikes and riskier riders. Each applicant’s situation is different, and insurance providers estimate the expected risks based on statistics related to similar individuals. Such things as your gender and where you ride your motorcycle can have an impact on the cost of your motorcycle insurance.


  • All motorcycles–including sports bikes–are lumped under one category of motorcycle insurance, but the type of bike you choose can raise or lower your premium. In general, sport bikes are more difficult to ride and are capable of going faster than most other motorcycles, which means they carry more risk to an insurance provider.


  • All states require that motorcycle users have at least some type of insurance coverage, however, a significant percent of motorcycle owners have no insurance in some states. According to the National Highway Traffic Safety Administration, many tens of thousands of people are involved in motorcycle accidents that require immediate medical attention each year, and around 5,000 deaths occur annually as the result of motorcycle accidents.


  • The state-mandated minimum coverage typically pays for claims only when you cause damage to other people or property, so adding additional coverage for you (the driver), your bike and any additional property is important, and unlike an automobile, passengers are not covered unless you pay an additional premium. Coverage for towing, roadside help and personal belongings often can be added for relatively little expense.


  • The biggest discounts on motorcycle insurance rates can be earned by receiving certification from a safety course, which also can reduce the likelihood of your being in an accident by 50 percent. Another way to reduce your premium is to install an anti-theft device. These recover stolen bikes in up to 90 percent of cases of theft.

What Is Full Coverage Motorcycle Insurance?

Insurance agents and consumers commonly use the phrase “full coverage motorcycle insurance” to refer to state-required insurance coverage in combination with physical damage coverage. Insurance is regulated by states in the U.S. Motorcyclists, like drivers of automobiles, can only operate their vehicles on public roads or highways while carrying insurance.

Liability and Property Damage

  • Liability insurance is one of two kinds of insurance that provide coverage in the event that you cause damage in an accident. Liability insures against personal injury damages if you are found liable for causing injury to another person. Many states impose penalties for motorcyclists who ride uninsured. In certain states, cyclists can not purchase a motorcycle without liability insurance. Property damage is the other type of insurance that provides coverage if you are responsible for causing damage to property belonging to another person in an accident. Property damage coverage minimizes risk to your assets since it helps cover the cost of any damages you might cause.


  • With collision insurance, you are covered for damages to your motorcycle in an accident. It does not matter who is found to be responsible for the damage. Collision insurance usually includes a deductible amount, meaning that in the event of a collision where your motorcycle is damaged, you pay the deductible amount, and the insurance company pays the remaining repair costs up to the policy terms and limits.


  • Comprehensive insurance provides coverage against perils other than those covered under collision. As an example, fire, flood, theft and vandalism are usually covered under comprehensive insurance. Comprehensive, like collision, may be subject to a deductible charge.

Uninsured and Under-insured

  • When you carry uninsured and under-insured insurance coverage as part of a full coverage policy, you increase your coverage beyond the basics. If you are injured or your motorcycle is damaged in an accident involving a driver who either has no insurance or whose insurance is not sufficient to cover the damages, and that driver is shown to be responsible, you have coverage for your proven damages up to the limits of your policy.

Medical Payments

  • Medical expenses can occur that are directly related to a motorcycle accident. Medical payments insurance coverage provides for payment of your medical expense resulting from an accident within the terms of and up to the limits of the coverage.


  • An umbrella policy could be considered “extra full” insurance. It can provide extra liability insurance to a very high limit. For motorcyclists with a high net worth, having very large liability limits, through an umbrella policy, can provide an extra measure of insurance protection.

How Does Motorcycle Insurance Work?

Who needs motorcycle insurance?

  • All kinds of motorcycles, scooters and mopeds require insurance coverage by the law. This is true regardless of whether you use a motorcycle, scooter or moped for occasional recreation or every day commuting. Motorcycle insurance is different in coverage from regular automobile insurance, and it is necessary to acquire this insurance for anyone who rides a motorcycle. There are some exceptions to motorcycle coverage depending on the insurance company’s policies. These exceptions may be for a certain type of motorcycle that doesn’t match with the company’s risk categories. Because insurance companies may discriminate a certain type of motorcycle, it is a good idea to call different insurance companies to compare insurance policies for your type of motorcycle.

Motorcycle insurance coverage for accidents

  • How motorcycle insurance coverage works in the event of an accident works pretty much the same as any kind of automobile insurance. The damage caused by the accident is covered by your motorcycle insurance. The collision insurance will cover for all the damages done to your vehicle , with the exception of the deductible. Insurance for motorcycles usually covers the market value of the motorcycle prior to the loss or damage done to your motorcycle. Liability insurance secures the other party’s bodily injury and property damage if the motorcycle accident is deemed to be your fault. Additionally, you can get coverage for accessories with in certain limitations, such as your motorcycle being modified or customized. This can be covered by your motorcycle insurance as well. Contact to your insurance company to request information for their acceptance rules. Liability insurance for your motorcycle is a necessity to protect you in the event of a lawsuit.

Maximize your insurance benefits

  • Save some money on motorcycle insurance. Take advantage of garage parking. Not only will your motorcycle be safer in a garage, but you will also receive a discount on your motorcycle insurance. You can also save money by making some other changes to your insurance policy. For instance, if you do not commute to work, you can have your policy changed to reflect the occasional use of your motorcycle. This will reduce the monthly payments on your insurance. The number of drivers who share you bike is another factor that can either increase or decrease your insurance. If you are the only person who rides your motorcycle, then your insurance will be less expensive. If you have a side cart for passengers, then that could increase your insurance. Keep in mind that you only receive the market value worth of coverage in the event of an accident. You need to find out which plan is right and satisfactory for you. If you have special motorcycle training, or you are taking motorcycle classes, this will drop your insurance expenses. Make sure to provide any information for specialized training when you apply for your motorcycle insurance.

About California Motorcycle Insurance

Driving a motorcycle in California means knowing the laws related to California motorcycle insurance coverage. State law requires California motorcycle drivers to purchase a minimum amount of Motorcycle Insurance. Operating your motorcycle without this coverage could mean facing fines, loss of your motorcycle or financial hardships in the event of an uncovered accident.


  • Driving a motorcycle in California means knowing the laws related to California motorcycle insurance coverage. On November 5, 1996, California voters passed Proposition 213 which required all drivers of vehicles on public roads in California to have at least a minimum amount of liability insurance coverage. This became a part of the Civil Code Section 333.4 and affects motorcycle drivers as well. Therefore, California law requires a minimum liability insurance coverage of 15/30. This provides $15,000 to cover bodily injuries, $30,000 for all injuries in one accident, and $5,000.00 for property damages.


  • The significance of this law is that driving without proper insurance is breaking the law. This could result in strict penalties that include the potential loss of your driver’s license for up to one year, having your vehicle impounded and possibly sold at auction, and fines up to $2,000.00 for riding without insurance. A lack of proper insurance could also mean facing heavy financial, personal, or professional losses in the event of an uncovered accident caused by you or another party.


  • While 15/30 liability insurance is the minimum required for California Motorcycle drivers, other types of coverage are available for the California motorcyclist. These include collision coverage for damages incurred from getting hit by another vehicle, animal, person, object, or from flipping over and comprehensive coverage that covers damages incurred in other than a collision type incident. Uninsured motorist coverage reimburses expenses incurred from an uninsured driver and under-insured motorist coverage protects you in the event of an accident where the other party has inadequate insurance to pay for your loss or damages.


  • Consider all relevant factors before buying the cheapest or least amount of motorcycle insurance. For instance, does your policy cover a motorcycle passenger in an accident? Does the insurance on a motorcycle loan include liability coverage or just the motorcycle, and collision and comprehensive insurances? An umbrella policy that provides large amounts of coverage’s may be a solution depending on your particular financial situation and potential liability. Check rates from various California insurance companies to find the best premium as rates vary according to driving history, age, health and other factors. You can choose to pay a higher deductible for your coverage to lower the premium rates.


  • California motorcycle insurance is to protect you financially in the case of an accident, injury or other problem. The benefits of having the right amount and types of insurance when you need to file a claim could include recovering damages to your motorcycle, getting medical payments, recovering lost wages, or even paying for funeral expenses.

How to Get Cheap Motorcycle Insurance

With a little effort on your part, cheap motorcycle insurance is possible to come by. There are a few things you need to consider prior to even beginning to obtain motorcycle insurance quotes.


  1. Consider your age and driving record. Any prior accidents that are on your current record will count against you even though you are after motorcycle insurance. Insurance rates will also be higher if you haven’t had motorcycle insurance before. Once you’ve become a more experienced rider and keep your record clean, your rates will begin to decrease over time.
  2. Think about the kind of motorcycle you have. Faster motorcycles or sport bikes are going to be more costly when it comes to insurance, as will new models. The more basic, older models will be cheaper to insure.
  3. Determine how close you live to your employer and whether you live in a high crime area. If you can keep the mileage down, you could receive extra discounts on your motorcycle insurance policy. If you live or work in a high crime area, your rates could be increased.
  4. Do not over insure. If something were to happen to the bike, you’re only going to get the market value, so there’s no need to pay extra insurance to have coverage that is unnecessary.
  5. Keep your motorcycle garaged. You may receive an extra discount with some companies if the motorcycle is kept in a garage at night or when parked.
  6. Shop around for the cheapest motorcycle insurance. Contact the big companies as well as smaller, local companies. Even though the big companies offer free quotes online that are easy to access, they may not have the best prices and you could end up paying more than you need to for motorcycle insurance. Pick up the phone or visit local insurance companies to get a motorcycle insurance quote.

How to Get Commercial Motorcycle Insurance

It’s almost as easy to insure your motorcycle for commercial purposes as it is for regular private use. While it might be slightly more complicated to insure a fleet of motorcycles for multiple drivers, the basics of the process are the same. You’ll either need to speak to a broker at an insurance company or an independent insurance agent to purchase commercial motorcycle insurance.

Get Commercial Motorcycle Insurance Directly

  1. Know the specifics of the motorcycle you want to insure. In order to quote you an accurate price, an insurance company will need to know some basic information, so you’ll need the motorcycle’s make, model and mileage before contacting a broker.
  2. Locate companies that officer commercial insurance for motorcycles. You can find your state’s association of independent brokers at the website of the Independent Insurance Agents & Brokers of America (see Resources below).
  3. Keep track of the various quotes you’ll receive while doing your research. Get a variety of quotes from each company for each different coverage plan. By keeping a spreadsheet of your results, you’ll be able to compare the advantages and disadvantages of each insurance company easily.
  4. Pick the most affordable policy that meets your needs and contact a company broker to start the application process. Have your credit card or checking account information handy.

Get Commercial Motorcycle Insurance Through an Agent

  1. Prepare to talk to an insurance agent by having all your information in order. Before he’s able to quote you a rate, he’ll need to know exactly kind of motorcycle you’ll be insuring. Additionally, you should be prepared to give basic information about your business and any employees who will be licensed to operate the vehicle.
  2. Find insurance agents who work with commercial clients. A good start might be to ask other small business owners for their advice. Excellent word of mouth can be more valuable than a slick corporate ad campaign.
  3. Visit with several different agents to review your needs. While price and coverage policies are always the chief consideration when shopping for an insurance policy, you’ll also want to make sure you find an agent you trust and can depend on.

How to Compare Car Insurance Quotes

Anyone who drives a car is more than likely required by state law to carry some type of car insurance on it. There is almost an endless supply of car insurance companies to choose from. How can you know you are getting the best insurance quote? You could be paying a lot more than you should, if you have not compared your car insurance quote with other insurance companies. You can almost effortlessly compare the car insurance quotes of several car insurance companies and come up with a good deal. If you are interested in learning how to compare car insurance quotes, read the following steps provided to assist you.


  1. Collect all of your current car insurance details. If you presently have car insurance, you can use your current insurance policy to get this information. This will make it a lot easier to compare car insurances, since you will know all of the particulars needed ahead of time. Be sure you know the state car insurance requirements, if you do not have a current policy and have all of the basic data pertaining to your car. This includes, but it not limited to: the make, model and year of your car, any lien information and the VIN (vehicle identification number).
  2. Compare car insurance quotes locally. You can do your car insurance comparison-shopping locally and find many varying quotes to pick from. Use a phone book to find various car insurance companies. Decide on at least five separate ones that you are interested in and write each of their names on the paper. Leave plenty of room in between the names for quote information and notes. Include the phone numbers and make a space for the person’s name you speak to. Call (or you can go personally) to each of the car insurance companies and get quotes. Once you have this list, you can easily compare them to find the best one.
  3. Compare car insurance quotes online. One of the fastest and easiest ways to get hold of several car insurance quotes is to use the numerous available online comparison websites. You can find several of them by merely doing a search for “compare car insurance quotes” on any search engine. Select a number of the car comparison sites and create notes of the various sites, insurance companies available and list the quotes for each. After you have completed this, compare the car insurance quotes and decide on the one that will work for you.