If you live in California, chances are First West covers what you ride. First West insures a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers and touring bikes, to dirt bikes and ATVs.
One of the great advantages of having your motorcycle coverage through a major insurance company like the ones we represent, is that you may save money by having more than one policy with us. Our agency will be able to help calculate how much money you can save. 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.
Collision insurance coverage pays for damage caused to your motorcycle in an accident. Standard collision coverage will pay for any repairs up to the fair market value of your cycle. Collision coverage also comes with an insurance deductible. It's the amount of money you pay toward the repairs before your collision insurance kicks in. The higher the deductible you're willing to pay, the less the collision coverage will cost.
Comprehensive coverage is very similar to collision coverage - the main difference is that comprehensive covers damage to your motorcycle caused by any unknown party or "act of God". Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive motorcycle insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible).
Your motorcycle insurance policy can include any or all of the options below. Call us today to discuss what coverage is best for you.
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 motorcycle insurance 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. Many insurance companies 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. First West works with multiple insurance companies so we can provide you with multiple motorcycle insurance coverage options at rates you can afford.
This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.
This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.