GETTING CHEAP MOTORCYCLE INSURANCE
The rates you receive for motorcycle insurance are going to depend on
several key factors. Listed below is information that will help educate you on
how the motorcycle insurance companies are going to view you, what you can do
ensure a positive rating and the lowest rates possible.
When in the market for insurance, deciding whether you are
going need theft protection is important. Learn more about
preventing your motorcycle from being stolen.
How insurance companies rate you:
Type of Bike - Insurance for a flashy, new bike is going to cost more
than an older, basic motorcycle. **If you are buying a new motorcycle, you
should consider purchasing
How Old Your Are - As with car insurance, the older you are, the
cheaper your premium is going to be. However, if you are a new rider, you are
likely going to be placed in a higher risk category until some riding experience
is obtained no matter what your age is.
Where You Live - Insurance rates for those that
live in low-traffic areas, like the country, are going to be less than someone
that lives in a busy city.
Your Driving History - Every type of accident
you have ever been involved in will influence your rates. This includes car,
boat, snowmobile and any other type of man driven machinery accident.
Employment - If you work at a construction site, and you use your
bike to get to and from work, you are going to have to pay more than someone
that parks there bike in an office building garage.
Getting the best deal for your motorcycle insurance:
Compare Plans - Dedicate as much time as you can shopping
around for different policies. Call as many companies as you can to receive
free, instant, no obligation quotes.
Securing Your Bike - Make sure you take good care of your
motorcycle. This means keeping it in a garage whenever you can, locked-up and
alarmed. This will help you get some discounts on your motorcycle insurance
How Often You Ride - You will pay less for your motorcycle
insurance if you only use your bike for leisure, during the summer months, than
someone that uses their motorcycle as their primary source of transportation.
Motorcycle Safety/Training - Taking a certified DMV or other type
of motorcycle safety class should help lower your rates. It is important that
you always keep the certificates you receive upon class completion so that you
can verify your enrollment with your motorcycle insurance company.
In conclusion, there is never any reason to pay more for
motorcycle insurance when a different company is offering a lower rate. You will
get the same amount of money for your bike if you are involved in an accident
regardless of who you are insured by. By taking the time to educate yourself on
how the insurance companies view policy holders, your motorcycle, and your
riding habits, you can learn how to save money, eligible
discounts and get the cheapest rates
possible for an excellent policy.
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