Cheap Motorcycle Insurance Santa Ana, CA

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Santa Ana or “Saint Anne”, is the second largest city by population in Orange County. Only a few miles from the Coast, this city is beautiful and full of life.  Motorcycle Enthusiasts ride here often.  Santa Ana is also very densely populated, meaning that there is a large population of people in a very small geographic area.  This makes for more risk for motorcycle riders and scooter riders.  Even more so if you are commuting.  Let’s get real, riding a bike can be dangerous.  So why not have the very best cheap motorcycle insurance Santa Ana requires, but without emptying your bank account?

Motorcycle Insurance Requirements For Santa Ana

Here is what you will need to get the very minimum coverage required in the state of California:

Bodily Injury Liability Limits are:

  • $15,000 per person and $30,000 per occurrence.
  • This means that the other person is covered for injury but you are not!

Property Damage Liability Limits are:

  • $5,000 per occurrence
  • This means that your bike is not covered if damaged but the other person’s is, up to $5,000.

As a biker riding in this densely populated Southern California town, this minimum coverage is not nearly enough to feel safe and risk free. If you are hit by a car, your bike could be totaled.  That is not fun, especially if you use your bike to commute to work.  You need more than just the bare minimum.

Here is what else you can purchase to feel fully covered:

  • Collision coverage (which will cover you and your bike in case of an accident)
  • Comprehensive coverage (which will cover other things such as theft and damage not related to an accident)
  • Uninsured Motorist coverage ( which will still cover you if someone hits you that does not have insurance)
  • Towing coverage (which will cover you in case your bike breaks down and you need it towed)
  • You will need to talk to an insurance agent to find out the specific limits and what you might need.  To have cheap motorcycle insurance in Santa Ana doesn’t mean you will have to sacrifice quality. But you can be sure that having the full amount of coverage you need, can help to make your rides easier and less stressful.  There is every reason in the world to buy cheap motorcycle insurance that covers your risk.  Don’t get stuck in the wrong situation.

Here Are Some Helpful Links For Riders in Santa Ana, CA

Motorsports Shopping

Repair Shop So Cal

OC Safety Course

Safety Foundation

OC Harley

Motorcycle DMV