Motorcycle Insurance

Motorcycle Insurance

On or Off Road, We Have You Covered

If you live in California, chances are we cover what you ride. NHC Insurance Services insures a full spectrum of motorcycles:

  • Street cycles
  • Harley Davidsons
  • Cruisers & Touring Bikes
  • Dirt Bikes & ATVs
  • and more!

If you’re new to owning a motorcycle you should know that there are many coverage options available. NHC’s expert agents will go over the details to help you determine which of these options are right for you and your budget.

A long time friend did me a huge favor, he gave me Renee’s phone number, and said, you will never change your auto insurance agent!

After 3 years, I have no worries, I have all the help I ever could need, it only takes a phone call while I am on the road, and my insurance needs are taken care of. No more worries! Now, I recommend my friends and family to Renee!

Tom & Edith J.

Get Covered, Save Money

One of the great advantages of having your motorcycle coverage through a carrier like Safeco is that you may save money by having more than one policy with that company.

NHC Insurance Services will be able to help calculate how much money you can save by packing your motorcycle with the rest of your personal insurance needs.

You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation. Call NHC Insurance Services today at 310-221-0917 for more information!

Get to Know: Coverage Terms

Your motorcycle insurance can include any or all of the options below. We know that insurance terminology can be mystifying. Let us help break it down for you! Click/tap on any of the subjects below to find out what the heck we’re talking about.

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If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.

Your policy can provide you with a roadside assistance benefit of up to $300 per breakdown.

You can pick the motorcycle insurance coverage that fits your needs. Most carriers offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection. Check with NHC Insurance Services to determine your specific coverage.

This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident. This may pay for Emergency Room expenses and out of pocket expenses for co-payments or prescriptions. It can even pay for Chiropractic care if injured and needed after an accident. This coverage is usually very inexpensive and highly recommended.

Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures another driver or another vehicle’s passengers.

Collision insurance coverage pays for damage to your vehicle in an automobile accident. Standard collision coverage will pay for repairs up to the fair market value of your car. If you are making payments to a lienholder on your car, then this coverage is required. The higher the deductible you’re willing to pay, the less the collision coverage will cost. This deductible usually comes into play when you or the driver of your vehicle are at fault. If the other driver is at fault, then their insurance company should take care of your damages with no deductible applied. When your insurance provider pays out on a collision claim in which you or the driver of your car are at fault, then you will likely see a point on your driving record and your insurance premium will likely increase.

Comprehensive coverage pays when your car is stolen, catches fire, flooded, vandalised and broken glass just to name a few. Comprehensive is anything that can happen to your car other than having a collision. Like collision coverage, comprehensive usually yields a lower deductible and if a claim falls under your comprehensive coverage, it’s not considered a moving violation and wouldn’t add a point to your driving record causing your premium to increase.

When you are found legally responsible for a vehicle accident, this coverage pays for costs associated with repairing or replacing another person’s property.

This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, under-insured driver. It also covers you if you are hit as a pedestrian. When your motorcycle is hit by somebody who takes off with no information to track them down, this would not be paid under uninsured motorists as there is no way to confirm that the driver was uninsured. This coverage is highly recommended.

Ready to Hit the Road?

Let us help make sure you’re covered when you hit the streets of San Pedro and all of California for those nice long bike trips. Talk to NHC Insurance Services today to find out how to get the best price and value on the motorcycle insurance that’s right for you. Give us a call or fill out the Request a Quote form on this page to get started.

You will not find a more knowledgeable personal lines broker than Julia. She has been our agent for over a year and I would recommend her to anyone. If she is not able to find an insurance plans that best suits you with the carriers she works with, she will help you find an agent that can.

Julia knows the auto, home, and renters insurance inside and out. I tell everyone I know about her and the fabulous personal service she has provided us.

Sarah S.

Get Started Today

Ready to talk? We’re here when you need us

  • 310-221-0917

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