Category Archives: Vehicle Insurance

Buying a New Motorcycle

Are you are buying your first motorcycle? What do you need to know before you bring your bike home from the dealership? Before you enjoy the freedom of the open road on your first new bike, here are a few things you may want to consider.

Take a Rider’s Course

A motorcycle safety course can help build your confidence prior to purchasing your bike. Designed for beginning riders, a safety course often waives your state’s motorcycle test as well as introduces you to basics of motorcycles. It can also help you decide which type of bike you purchase. Taking a course like this may result in your insurance company offering a discount on your premium, as well. Do a little online research to find novice courses near you.

Buy Good Gear

Consider proper riding gear, even in warm weather. Gloves, jackets with padding that still allow air flow and boots that protect ankles can help prevent serious injury if you are involved in a crash. Although not mandatory in every state, you may consider a Department of Transportation-certified helmet as part of your safety gear. While most states have some sort of motorcycle helmet law, the requirements vary state to state, and some have no such law. Consult your state’s laws and regulations for accurate compliance information.

Can You Handle the Horsepower?

Consider just how much horsepower is adequate for you. A 650 cc engine may be too much for a novice biker to handle at first. However, if your goal is to take lengthy bike trips, you may need 650 cc or more. Once you buy your first bike, you may find you want more torque or more comfort. Many bikers found that their first bike was only a beginning — if one bike is good, three are better, some would say. Either way, pay attention to your needs and get the bike that’s right for you.

Sticker Shock

The final step in buying a motorcycle is determining your budget. Quality motorcycles can run anywhere from a few thousand dollars to $25,000 or more. You may be able to afford a higher-end bike, but many experienced riders recommend starting with a used model to be sure you like riding and because it’s likely you’ll have a minor spill or two as you learn.

Another aspect to consider is insurance, some bikes may come with higher premiums. Contact us for quotes on any models you are seriously considering.

Once you have your new bike, you will want to keep it in new condition. Research and use the best sealants, waxes, tire care products and other preventative aids. A good cover may be a wise investment, as well. Make sure you find a quality motorcycle mechanic to keep your bike in tip-top condition.

. Take your time with this important decision and enjoy the ride!

The Real Value of Motorcycle Insurance

It may sound obvious, but anyone who owns a motorcycle needs motorcycle insurance. Aside from the fact that it is illegal to operate a motorcycle on a California highway without insurance, operating a motorcycle without any insurance is leaving yourself vulnerable to paying out of pocket for thousands of dollar in expenses. It is much safer to operate your motorcycle when you protect yourself with quality motorcycle insurance.

Motorcycle insurance policies generally cover:


  • Property damage and bodily injury liabilities
  • Uninsured Motorist
  • Medical bills
  • Collision and comprehensive insurance options

Naturally, there are additional coverage options known as specialized insurance option. These can include coverage for total loss replacement, accessory coverage, rental vehicle coverage, transport trailer coverage, and roadside assistance and other emergency service.

Motorcycle Insurance and You!

Investing in a proper motorcycle insurance plan is considered invaluable. Motorcycle insurance is a completely separate insurance policy, when compared to car insurance. You can’t actually use car insurance to cover your motorcycle, because motorcycles and other recreational vehicles are considered to have specialized needs different from those of a standard car.

The standard motorcycle insurance policy will usually cover minor to sever accidents; along with assisting in paying those expensive repair and hospital bills in the event that you are found to be at fault for the collision. When you are operating your motorcycle, it is important to have the piece of mind that you have a good policy to back you up in the event of a collision. A good policy will have benefits such as:

  • Immediate coverage for damages to your motorcycle
  • Immediate coverage for personal injury

You wouldn’t operate your car without car insurance and as we found out last week, we wouldn’t operate our RV without the proper RV insurance. So why would you operate your motorcycle without proper motorcycle insurance? You wouldn’t! Whether your motorcycle is your daily commuter or a luxury vehicle,  Mertens Insurance can work with you on a policy that will fit your specific needs.

Learn additional reasons why your recreational vehicles should be insured…

Click here for more information about Mertens Insurance Motorcycle Insurance policies and to contact us today!

The Importance of RV Insurance

Recreational Vehicles or “RVs,” as they are more commonly known, are just as important to fully insure as your home or vehicle. RV insurance can come to your aid if you are involved in a traffic collision.  A couple of hundred dollar camp-rv2deductible is much more affordable than a few thousand dollars that it could cost to repair your RV without the luxury of insurance. Continue reading The Importance of RV Insurance

New Year New Insurance

California Auto Insurance Coverage

No matter if you’re planning a day’s trip or a family outing, you need to make sure you are protected with proper car insurance coverage.

California imposes stiff penalties for a lapse in auto insurance coverage.  The court may impound your car and hold it until you are able to show proof of insurance coverage. If you are pulled over without proof of car insurance or any other form of financial responsibility, you may face the following fines:

  • $100 – $200 – first offense
  • $200 – $500 for each offense within 3 years after your first.

California is known for being an innovative leader when it comes to laws – and car insurance is no exception.

For example, if you have a clean driving record, California insurance companies are required to offer you a good driver’s discount. They can’t use your credit score to price your premium.

California Minimum liability requirement laws* requires that you are able to cover costs associated with damages or injuries you may be responsible for in a motor vehicle accident. A standard auto insurance liability policy will meet California’s minimum requirements:

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.

If you decide not to buy car insurance, there are other options that you can choose to meet your financial responsibility requirements, including:

  • A $35,000 cash deposit with the CA DMV.
  • A Certificate of Self-Insurance from the DMV.

Only available if you own a fleet of at least 25 cars registered to your name.

  • A surety bond of $35,000 from any company licensed to do business in CA.

Not having car insurance in California can also result in a suspension of your car’s registration if:

  • The CA DMV is notified of your insurance cancellation and you have not replaced it within 45 days.
  • Your car insurance information is not given to the DMV within 30 days of your car’s initial registration or transfer of ownership.
  • You registered your car with false evidence of insurance.

By law, all car insurance companies are required to notify local DMV offices of dropped or lapsed insurance policies. Don’t risk a suspension of your vehicle’s registration.  Call now for your free car insurance quote.

We’ve got you covered.
*Please note state minimums may change from time to time. Check with California DMV if you have additional questions about current state minimums.