| If you have purchased car insurance in the past, you | | | | premiums. |
| might be forgiven for thinking that purchasing | | | | 3. Are You Experienced? -- Your experience riding a |
| motorcycle insurance is exactly the same, and that | | | | motorcycle is often taken into consideration by |
| your rates will vary according to the same factors. | | | | insurance agencies when determining your premium |
| But the truth is, motorcycle insurance works in a | | | | rates. If you have just purchased your first |
| very different way from standard car insurance. In | | | | motorcycle, odds are you will have to pay more to |
| addition, the factors that influence how high -- or low | | | | be insured. Comparing rates between different |
| -- your premiums will be are different for | | | | companies can often produce significant price |
| motorcycles. | | | | differences though, so even if you are a first-time |
| In this article we will take a look at some of the | | | | motorcycle buyer, be sure to shop around. |
| factors that will influence your motorcycle insurance | | | | 4. Your Location -- Believe it or not, where you live is |
| rates, and provide tips on how to get the best | | | | one of the biggest factors in determining the |
| possible quote for your insurance. | | | | insurance rates for motorcycle owners. Motorcyclists |
| 1. Your Age -- Just like car insurance, motorcycle | | | | who live in rural areas, for example, often have |
| insurance is also affected by the age of the insured | | | | significantly lower insurance premiums than those |
| driver. The highest insurance rates will usually go to | | | | who live in major cities. As a general rule, the more |
| female drivers younger than 21 years old, and male | | | | traffic there is in your area, the higher the accident |
| drivers younger than 25. These limits vary somewhat | | | | rate will be, and thus, the higher your insurance |
| between different states, so you might need to | | | | premiums will tend to be. It is also true that certain |
| check your local insurance agent to be certain. If you | | | | states and even counties tend to have much higher |
| are within this "high risk" age zone, you might | | | | insurance rates than others. But whatever you do, |
| consider waiting to purchase your motorcycle in a | | | | resist the temptation to lie on your insurance forms |
| few years. Otherwise, you can expect high rates | | | | and claim to live in another area. This is called |
| simply because of your age. Is this fair? Of course | | | | insurance fraud, and penalties for this crime can be |
| not; but that's simply the way it is. | | | | serious, including jail time. Just don't do it! |
| 2. Your Driving Record -- The insurance company will | | | | When it comes to shopping around for motorcycle |
| be sure to check your driving record before issuing a | | | | insurance, the best way to find the lowest rates is |
| quote, as this is one of the most important factors in | | | | usually by searching online. Online insurance web sites |
| determining your insurance rates. If you've had quite | | | | allow you to get an instant quote, while comparing |
| a few tickets on the past, or been involved in | | | | coverage options between different companies. This |
| accidents where insurance claims were filed, you're | | | | is a perfect way to ensure you don't end up |
| probably going to see much higher insurance | | | | overpaying for your motorcycle insurance. |