| Motorcycles are unique as compared to automobiles | | | | drivers increases. This means that the chances of an |
| due to their incredible speed, and the lack of | | | | accident occurring also increase. If you live in a rural |
| protection that is afforded to the operator. | | | | area, you will have less contact with other vehicles, |
| Additionally, many motorcycle owners are younger | | | | which may mean that you are relatively safer, |
| people with less driving experience. For these | | | | however you may also live in an area where speed |
| reasons, insurance companies are very careful when | | | | limits are much higher which is another factor of risk |
| pricing motorcycle insurance. | | | | for an insurance company. |
| You can control several factors that can make you a | | | | Consumers can find it frustrating to consider all of |
| more favorable candidate for motorcycle insurance in | | | | these criteria, especially if you or your circumstances |
| the eyes of an insurance company. | | | | put you in an unfavorable light in the eyes of the |
| YOUR AGE | | | | insurance company. Your tactic then should be to |
| While age is a factor in purchasing any insurance, it is | | | | change the things that you can and never ever lie to |
| of particular importance when buying motorcycle | | | | your insurance company. If you are dishonest with |
| insurance. If you are a female under age 21 or a male | | | | your insurance company regarding any of the |
| under age 25, your rates will automatically be higher | | | | questions they ask you, you can be denied insurance |
| than any other age category. A recommended | | | | altogether. That may be the least of your problems |
| method to save on your insurance premium is to | | | | as this is technically insurance fraud, which is a |
| wait until you are beyond those ages, which can | | | | punishable offense. |
| significantly reduce motorcycle insurance premiums. | | | | YOUR WORK |
| YOUR EXPERIENCE | | | | Although unusual, if you use your motorcycle for any |
| If you are a new operator of a motorcycle, many | | | | business activities, you will have to disclose this to |
| insurance companies want to know this and will | | | | the insurance company. Business use of a motorcycle |
| adjust your premium accordingly. New motorcycle | | | | will most certainly cause and increase in your |
| operators are a bigger risk to insurance companies as | | | | insurance rates. If using a motorcycle to conduct |
| they are more likely to have accidents. If you are a | | | | business is a choice rather than a necessity, consider |
| new owner or operator of a motorcycle, the only | | | | an alternate mode of transportation in order to save |
| way to circumvent this is to shop around at various | | | | money on your insurance premiums. |
| insurance companies to find the best rate, as not all | | | | YOUR MOTORCYCLE |
| insurance companies use this decisive factor in the | | | | The type of motorcycle you own will also play a |
| same way. | | | | factor in your insurance rates. Motorcycles designed |
| YOUR RECORD | | | | for speed and performance are clearly more |
| A rule that applies to any motor vehicle operation is | | | | dangerous than commuter style motorcycles or |
| to be a safe driver. Your driving record is one of the | | | | cruising motorcycles. Accordingly, they will have a |
| first things that an insurance company will look at | | | | higher rate. |
| when evaluating you as a candidate for insurance. | | | | Modifications to your motorcycle can also play a |
| Speeding violations, traffic accidents, and insurance | | | | factor in your insurance rates. Modifications can be |
| claims are three factors that play heavily into an | | | | for speed or for looks. If the modifications are for |
| insurance companies evaluation of you. By avoiding | | | | performance, and you have made you motorcycle |
| these things, you make yourself more attractive to | | | | faster, then your motorcycle is now more dangerous |
| an insurance company. | | | | in the eyes of the insurance company. |
| With some insurance companies, your accident | | | | If your modifications are just for style and looks, you |
| history may have less of an impact on your | | | | can also see and increase in your insurance rates |
| candidacy if the accident history was in an automobile | | | | because now your motorcycle is worth more and |
| rather than on a motorcycle. Again, shopping around | | | | their payment to you to repair the motorcycle will be |
| at different insurance companies is the best way to | | | | more in the event of an accident. |
| circumvent this issue. | | | | These suggestions will help to make you a more |
| LOCATION | | | | favorable candidate for insurance companies. |
| Many people do not realize that the town where you | | | | Consulting with professional insurance agents and |
| live may have an impact on the insurance premiums | | | | brokers for advice on the best insurer for your |
| that you pay. If you live in a highly populated town | | | | situation will be by far the best step you can take to |
| or city, the likelihood that you will encounter other | | | | lower your premiums. |