Motorcycle Insurance

Ok.
You just spent 6 weeks pouring over the classifieds, visiting dealerships,
surfing websites and e-auctions and you finally find a ride that suits you.
What's next? Bike insurance of course.
If this is your first time then here are some guidelines.

By knowing how the insurance company will view you to determine premiums, you can keep your rates lower. Things to consider are as follows:

Type of Bike

If you have the latest and greatest, it will cost you more than a used motorcycle.
The more expensive it would be to repair or replace is the factor here.

Your Age

The older you are generally the less expensive your rates will be to a point.
An age of 38 will raise fewer flags than an age of 18. Then again, if your 68, already had two bypass operations and just purchasing your first bike, your rate will probably be up there.

Your Address

High crime and high accident zip codes will result in higher rates. If you live
in a government subsidized inner city apartment complex and drive
Deadman's Curve every day to work, your rates will reflect that.

Driving History

Any accidents you have been involved in will count against you. Insurance companies go back five years and look at your record. Even if an accident wasn't your fault it probably won't help your rates. Tickets for minor traffic violations are also considered when determining your insurance rate. Drive safe and you'll save money.

Your Job

Where you work and the route you take will influence your rates. If you're working as the night shift bouncer at a Gentlemen's Club in Soho and parking your bike on the street, make sure you save all that change you shake out of misbehaving drunks; you'll need it.

OK. Now that we've reviewed what insurance companies look for, here are some tips for getting a better rate.

Shop, Shop, Shop, Shop

Google and get quotes. Many sites have a quickie online quote system
that can get you a price in minutes.
I know it can be tedious but the rates between different companies can be considerable. You'll be surprised and delighted when you find a rate half as expensive as you thought you would have to pay.

Security

Got a garage? Use it and let the insurance company know.
Built-in alarms? Great! It all helps keep rates low.

Special Training and Low Mileage

If you take any BMV classes make sure you let the insurance company know.
They count toward a discount. They may even require that you attend.
And finally,be aware that usage makes a difference.
The hardcore road warrior chasing 100,000 miles a year will
pay more than the causal summertime cruiser in Minnesota.