Getting motorcycle insurance as a new rider can be expensive, but there are ways to find a good deal. Here’s how:
Know What You Need
Understand the different types of insurance:
- Liability Insurance: Covers damage or injury you cause to others.
- Collision Insurance: Covers damage to your bike from accidents.
- Comprehensive Insurance: Covers things like theft or natural disasters.
- Uninsured/underinsured Motorist Coverage: Helps if the other driver doesn’t have enough insurance.
Compare Quotes
Get price quotes from several insurance companies to see who offers the best deal.
Choose The Right Bike
The type of motorcycle affects insurance costs. Sports bikes usually cost more to insure. Standard or cruiser bikes are often cheaper.
Take A Safety’s Course
Completing a motorcycle safety course can make you a safer rider and can lower your insurance costs.
Bundle Policies
If you have other types of insurance (like car or home insurance), get your motorcycle insurance from the same company to get a discount.
Keep A Clean Record
Drive safely and avoid accidents and tickets to keep your insurance costs down.
Increase Your Deductible
A higher deductible (the amount you pay out of pocket if you have an accident) can lower your monthly insurance cost.
Look For Discounts
Ask about discounts. You might get one for insuring more than one bike, or being part of certain groups.
Review Your Policy Regularly
Check your insurance policy every year to make sure you’re not paying for coverage you don’t need.
Talk To An Agent
If you’re confused, an insurance agent can help you understand your options and find the best deal.
Conclusion
By following these steps, you can find good motorcycle insurance that fits your budget.
Larrybohboh provides updates on everything you anticipate. Stay tuned for an episode on the benefits of insuring high value jewelry collections. Have questions about Bike Insurance? Ask in the comments for more details.