Do you ever wonder if your motorcycle insurance bill is too high, or are you just now shopping for your first policy? Motorcycle insurance is similar to auto insurance, but not all auto insurance companies offer to cover motorcycles. You can find coverage in your local area, but you will not find as many choices. It is particularly challenging to find affordable policies for younger riders, like teenagers, and for those who have some accidents on their recent driving history.All riders can benefit from an approved motorcycle safety course. Newer, and even experienced riders can pick up some safety tips that may save their lives. Insurers like these courses too, and some offer a 10% discount to their customers who take a class. In my experience, the courses help younger riders, and those with some accidents on their record, more then any other bike owners!
If you own more than one motorcycle, a car and a motorcycle, or a motorcycle and a home, check into rolling all of your policies with one company. In the same way that insurers offer a home and car discount, they will also offer multiple policy discounts for more than one bike, and so on. If your current auto insurer does not cover machines with two wheels, it may be a good idea to check the prices at a company that does.
Other factors can impact your rate. Insurance companies keep statistics on which models have lower claims. So the type and age of your own bike can impact your rate, as can safety and anti-theft devices. Take this into consideration if you are out bike shopping. If you are not shopping, as insurers what safety features and anti-theft devices they would offer a discount for. You may be able to protect yourself, and your investment, while saving money in the long run!
If you use your motorcycle as a vehicle for a long daily commute, you will probably spend more on premiums than another rider who only takes his or her bike out on Sunday afternoon for a pleasant joy ride. Yes, insurers will want you to estimate the number of miles you plan to drive. And some insurers will even ask you how you store your bike when you are not riding it. They may discount you for keeping it in a locked garage, or they may penalize you for leaving it out in the street. That all depends upon the area you live in, and how likely bikes are to be stolen or damaged in your city or town.
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