There’s nothing quite like the feeling of riding – the freedom, the wind, the open road. Whether you’re cruising down the coast on your Harley or commuting to work on a sport bike, Pay Low Insurance has your back with affordable motorcycle coverage that actually makes sense.
We get it – you already spent good money on your bike. Insurance shouldn’t break the bank too. That’s why we shop over 25 carriers to find you the best rates. Our riders save an average of 37% compared to what they were paying before.
Why Riders Choose Us
We Know Bikes
We’re not just insurance agents – we’re riders too. We understand the difference between a cruiser and a crotch rocket, and we know what coverage actually matters when you’re on two wheels.
Best Prices in San Diego County
Because we work with so many insurance companies, we can find deals that other agents can’t. More options means better prices for you.
Fast and Easy
Get a quote in minutes, buy your policy the same day. We handle all the paperwork and can even file your SR-22 if you need it.
Hablamos Español
Our whole team is bilingual – English and Spanish. Get help in whatever language works for you.
What’s Covered?
Liability Coverage
Required by California law. Covers the other person’s injuries and property damage if you’re at fault in an accident.
Minimum in CA is 15/30/5 but honestly, we recommend getting more. It’s not that much extra and could save you from serious financial trouble.
Collision Coverage
Pays to fix or replace your bike after a crash, even if it’s your fault.
If you’ve got a newer bike or still making payments, you definitely want this. Even if your bike’s paid off, collision coverage gives you peace of mind.
Comprehensive Coverage
Protects your bike from everything else – theft, vandalism, fire, weather, hitting a deer, whatever.
Theft is pretty common with motorcycles, so this is usually worth it. Plus it covers all the weird stuff that can happen when your bike’s just parked.
Uninsured/Underinsured Motorist
Covers you if you get hit by someone without insurance or not enough insurance.
Way too many people drive without coverage. This protects you from their bad decisions.
Medical Payments
Pays your medical bills after an accident, regardless of who’s at fault.
Really important for riders since bike accidents tend to be more serious than car accidents.
Accessory Coverage
Got custom parts? Upgraded exhaust? Fancy paint job? Standard policies might not cover all that.
We can add coverage for your custom gear so you’re fully protected.
Roadside Assistance
Bike breaks down? Flat tire? Run out of gas? We’ll get you and your bike to safety.
Super cheap to add and totally worth it when you need it.
What Type of Bike Do You Have?
We insure all kinds of motorcycles:
Cruisers – Harleys, Indians, whatever you ride
Sport Bikes – Ninjas, CBRs, R6s, all that
Touring Bikes – Gold Wings, Road Glides, long-distance machines
Dirt Bikes – Off-road coverage available
Scooters & Mopeds – Yes, we insure these too
Trikes – Three wheels still count
Custom Builds – Show us what you got
Special Situations We Handle
New Riders
Just got your M1 license? No problem. We work with carriers who specialize in new riders.
Experienced Riders
Been riding for years with a clean record? You might qualify for better rates.
SR-22 Filing
Need an SR-22? We do those all the time. Fast processing, affordable rates, no judgment.
Multiple Bikes
Got more than one bike? Bundle them together and save.
Seasonal Riders
Only ride part of the year? Ask about seasonal coverage to save money in the off-season.
Bad Credit or Tickets
Don’t worry – we work with carriers who specialize in high-risk situations. We’ll find you coverage.
Common Questions
How much does motorcycle insurance cost?
Depends on a bunch of factors – your bike, your age, your riding experience, where you live, your record. Most riders pay anywhere from $30-150/month. Sport bikes tend to be more expensive than cruisers. Call us for a real quote.
What’s required by law in California?
You need liability coverage at minimum – 15/30/5. That’s $15k per person for injuries, $30k per accident, $5k for property damage. But honestly that’s pretty low. We usually recommend higher limits.
Do I need full coverage?
If you’re financing your bike, your lender requires it. If you own it outright, it’s up to you. But think about this – could you afford to replace your bike out of pocket if it got stolen or totaled? If not, get full coverage.
What if I only ride seasonally?
Some companies offer seasonal coverage or you can adjust your coverage during the off-season. Ask us about options to save money when you’re not riding.
Can I insure custom parts?
Yes! Just let us know what you’ve added and we’ll make sure it’s covered.
What if I have tickets or accidents?
We work with carriers who specialize in high-risk riders. It’ll cost more than a clean record, but we’ll find you coverage.
Safety Discounts
Motorcycle Safety Course – Completed MSF or similar? Get a discount
Anti-theft Device – Alarm or GPS tracker? Lower rates
Multiple Policies – Bundle with your car insurance and save
Safe Rider – No accidents or tickets? You’ll pay less
Stored Indoors – Keep your bike in a garage? That helps
Paid in Full – Pay the whole year upfront for a discount
Get Your Free Quote
Ready to save on motorcycle insurance? Let’s talk.
Call: 619-736-1313
Email: info@paylowinsurance.com
Visit: 415 Fletcher Pkwy, El Cajon, CA 92020
Hours:
Monday – Friday: 9AM – 6PM
Saturday: 10AM – 2PM
Sunday: Closed
Ride Safe, El Cajon
We’ve been insuring riders in El Cajon, La Mesa, Santee, Spring Valley, and all over San Diego County for over 15 years. Stop by our office on Fletcher Parkway – we’d love to talk bikes and get you covered.
Remember: The best ride is a protected ride. Get insured before you hit the road.