Farmers Insurance Motorcycle Coverage In California: What You Need To Know

Farmers Insurance offers motorcycle insurance with customizable coverage options. Their insurance covers liability, collision, and other than collision, which includes theft, vandalism, hail, and collisions with animals. Farmers also offer special coverage for vintage motorcycles, custom motorcycles, low-power vehicles, and street-legal ATVs. Their insurance includes safety apparel coverage, first accident forgiveness, towing and roadside assistance, and more.

Farmers Insurance offers three Motorcycle Choice packages with customisable coverage options

The Saver Package includes $500 in safety apparel coverage, first accident forgiveness, and the option to add equipment coverage, towing assistance, and roadside assistance coverage. The Plus Package offers higher coverage limits and additional benefits, including $1,500 in safety apparel coverage, $3,500 in optional equipment coverage, and total loss settlement for two years based on the value of a new motorcycle. It also includes trip interruption and track day coverage, as well as reasonable and necessary expenses for towing and roadside assistance.

The Elite Package provides the highest level of coverage, with $2,500 in safety apparel coverage, $5,000 in optional equipment coverage at replacement cost, and $2,000 in personal effects coverage. It also includes enhanced rental coverage and a diminishing deductible feature. Additionally, the Elite package offers total loss settlement for five years based on the value of a new motorcycle.

Beyond these three packages, Farmers Insurance also offers special coverage options for unique motorcycles. These include the Vintage Package for bikes over 25 years old, the Custom Package for limited-edition or high-value motorcycles, the Low-Speed Package for low-power vehicles, and the Street Legal ATV Package for ATVs that meet state requirements.

Farmers Insurance understands the unique risks associated with riding a motorcycle and is committed to providing customisable coverage options to meet their customers' needs. With their range of Motorcycle Choice packages and special coverage options, they aim to provide comprehensive protection for motorcycle owners.

The Elite package covers the current market value for motorcycles under five years old

Farmers Insurance offers three customizable coverage packages for motorcycles: the Saver, Plus, and Elite packages. The Elite package provides the current market value for motorcycles under five years old if they are a total loss. This means that if your bike is less than five years old and is damaged beyond repair, Farmers Insurance will compensate you for the current market value of your motorcycle.

The Elite package also includes $2,500 in safety apparel coverage, $5,000 in optional equipment coverage at replacement cost, $2,000 in personal effects coverage at replacement cost, enhanced rental coverage, and a diminishing deductible.

In addition to these features, Farmers Insurance offers special coverage for special bikes. For example, the Vintage Package is designed for motorcycles that are at least 25 years old and have been maintained or restored to their original condition. The Custom Package provides coverage for limited-edition, one-of-a-kind, or highly optioned motorcycles. The Low-Speed Package is tailored for low-power vehicles operated in neighbourhoods and on private roads. Finally, the Street Legal ATV Package offers coverage for ATVs that meet the requirements for registration and operation on state highways.

Farmers Insurance also provides customizable coverage options to address specific risks associated with motorcycle riding. These options include liability coverage, collision coverage, and "other than collision" coverage, which includes protection against theft, vandalism, hail, and collisions with animals.

While Farmers Insurance offers a range of comprehensive coverage options for motorcycles, it is important to note that their rates for full-coverage motorcycle insurance are typically higher than the national average.

The Plus package covers the value of a bike up to two years old

Farmers Insurance offers a range of customizable coverage options for motorcycles in California. The Plus Package is one of three Motorcycle Choice packages offered by Farmers, the others being the Saver and Elite packages. The Plus package is designed to cover the value of a bike up to two years old in the event of a total loss. This means that if your bike is damaged beyond repair within the first two years of ownership, the Plus package will ensure you receive the current market value for a replacement.

The Plus package also includes $1,500 in safety apparel coverage, which can help pay for damage to items such as helmets, leathers, and gloves. This package also includes $3,500 in optional equipment coverage, which can protect your investment in customisations such as a special paint job or chroming. Additionally, the Plus package offers total loss settlement for two years, trip interruption coverage, and reasonable and necessary expenses for towing and roadside assistance.

Farmers Insurance understands the unique risks associated with motorcycle riding and ownership. Their customizable coverage options allow you to choose the level of protection that's right for you. The Plus package is an excellent choice for those seeking comprehensive coverage for their new or nearly new bike, providing peace of mind in the event of an accident or total loss.

It's important to note that insurance policies can vary by state, and not all products, coverages, and discounts are available in all areas. Be sure to consult with a Farmers agent to discuss your specific needs and determine if the Plus package is the right choice for insuring your motorcycle.

The Saver package includes $500 safety apparel coverage, first accident forgiveness, and available towing and roadside assistance coverage

Farmers Insurance offers customizable coverage options for motorcycles. The Saver package is one of the three Motorcycle Choice packages available, which combines popular features to cater to different needs and budgets.

The Saver package includes $500 safety apparel coverage, first accident forgiveness, available optional equipment coverage, and available towing and roadside assistance coverage.

Safety apparel includes helmets, leathers, gloves, and any other clothing designed to minimize injury in the event of an accident. The $500 coverage can help pay for the cost of repairing or replacing damaged safety apparel. It is important to note that theft of safety apparel is typically not covered.

First accident forgiveness is often offered by insurance companies to loyal customers with a good driving history. If you have been insured by a company for a certain amount of time and have no other at-fault accidents within a designated time frame, your first at-fault accident may be waived.

Optional equipment coverage can provide protection for custom equipment on your motorcycle that is not included as standard by the manufacturer. This can include items such as a custom seat, paint job, or special chroming.

Towing and roadside assistance coverage is available for a small cost and can provide valuable help if you ever find yourself stranded while touring. This coverage can give you peace of mind knowing that you won't have to leave your motorcycle unattended on the side of the road if you need assistance.

Farmers offers special coverage for special bikes, including vintage motorcycles and custom bikes

Farmers Insurance offers a range of customizable coverage options for motorcycle owners in California. Among these options are special packages designed for unique bikes, including vintage and custom motorcycles.

The Vintage Package is tailored to motorcycles that are at least 25 years old and have been meticulously maintained or restored to their original condition. This package recognizes the unique value of classic bikes, which may even increase in worth over time.

For custom motorcycles, Farmers offers the Custom Package. This package is designed for limited edition, one-of-a-kind bikes or those equipped with more than $30,000 in options. It provides coverage for the additional investments made in customizing these unique vehicles.

In addition to these special packages, Farmers offers three Motorcycle Choice packages—Saver, Plus, and Elite—which can be customized to meet individual needs. The Elite package, for example, provides current market value coverage for motorcycles less than five years old, while the Plus package offers similar coverage for bikes up to two years old.

Farmers also offers optional equipment coverage of up to $15,000, transport trailer coverage of up to $7,500, and increased liability limits for added protection. With their comprehensive coverage, they also provide full replacement value for stolen motorcycles and special coverage for classic bikes that appreciate in value.

By offering these specialized packages and customizable options, Farmers Insurance ensures that motorcycle owners in California can find the right coverage for their cherished vehicles, whether they're vintage, custom, or simply well-loved rides.

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