| The cost of gasoline has us all evaluating our driving | | | | transportation. Always wear a helmet, and insist that |
| habits. Fortunately, they've come down from the | | | | any passengers do too. |
| terrible highs of over $4 a gallon, but they've been | | | | Lastly, insurance companies base their rates on |
| steadily climbing since then. Prices are now in the $3 | | | | statistics. If the odds of a claim or the average dollar |
| plus range. Somehow it doesn't seem as bad as | | | | amount of a claim are high for the particular type of |
| before, because we've already had worse. We've | | | | vehicle that you drive (or ride), your premiums will be |
| become a little bit complacent. Gas hit $4 and we | | | | higher. This helps them account for all kinds of things |
| survived. But it's more expensive that you ever | | | | that they can't identify, from hot-dogging drivers to |
| intended to pay when you bought a car and decided | | | | unsafe vehicles. If you are planning to buy a bike, get |
| to use it as your primary means of transportation. So | | | | insurance quotes for a few different models. The |
| you've finally had enough, and you bought a | | | | price difference may be significant enough to |
| motorcycle. Good for you! But now you've | | | | influence which bike you choose. |
| discovered another hurdle; the price of motorcycle | | | | How do you keep insurance premiums from cutting |
| insurance. | | | | into your gas savings? First, be a low risk driver. |
| Motorcycle insurance costs more than car insurance | | | | Make sure you drive safely all the time. Whether |
| for a couple of reasons. First, motorcycles are | | | | you're in the right or not, do what it takes to avoid |
| difficult for other drivers to see because they're small | | | | accidents. This will be reflected in your driving record. |
| and they can move quickly, leading to more | | | | Second, shop around for insurance. Don't just call |
| accidents. Although the other driver may be at fault | | | | your old auto insurance company and add your bike. |
| too, if you are partially responsible for an accident, | | | | Contact at least three companies and get quotes for |
| your insurance has to pay. They also pay if the other | | | | the coverage you want for your bike with your |
| driver is uninsured or underinsured, if you purchase | | | | driving record. It's so easy now that you can get |
| that coverage. Fair or not, the insurance companies | | | | quotes online. Yes, it still takes time, but it's worth it. |
| take this into consideration in their pricing. | | | | This is not a one-time purchase. It's a major expense, |
| Motorcycle accidents are also more likely to involve | | | | year after year, and you probably don't price out |
| significant bodily injury claims. Obviously this is a | | | | every year. If you find a good insurance policy that |
| bigger concern than just an insurance problem, but it | | | | saves you $500 a year, you'll save that much not |
| does drive the premiums up. You can help reduce this | | | | just this year, but next year and the year after as |
| danger by driving carefully, or not driving your | | | | well. Every couple years, it's probably a good idea to |
| motorcycle when conditions are dangerous. Wind, | | | | get one more quote in addition to the quote from |
| rain, fog and other weather factors are more | | | | your current company. If the new one is better, then |
| dangerous for motorcycles than for cars. Those are | | | | switch. If not, stay where you are. That's not much |
| good days to drive a car or find another means of | | | | effort to make sure you have the best price. |