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Motorcycle insurance rates are among the higher insurance costs facing people with vehicles. The cheapest insurance rates available for a vehicle on the road generally is are for small, reliable, economical cars. Bikes are cheaper on gas though, and that lesser gas cost also means less fuel burned into the atmosphere.
The average motorcycle insurance rate is high, but there are things you can do to get a cheaper quote from your insurance company.
1. Smaller bikes. Less motorcycle power means a lower insurance premium. This is because motorbike insurance calculations see smaller bikes as lower risk — and premiums are calculated in significant part on risk. Bigger bikes go faster, therefore accidents would naturally be more frequent and more costly.
2. Less expensive bike. An older motorcycle is generally less expensive to insure than a comparable new one just because of the cost of the bike, and sometimes new bikes require full insurance if there is a lean against the title.
3. Higher deductible. If you ask for a higher deductive (this means you are agreeing with the insurance company that you will pay more out of your own money if there is an accident, and they will therefore have to pay less).
4. Less insurance coverage options. If you take only the options you really need, you can keep insurance coverage costs cheap. We highly recommend shopping around and using sites like www.gobear.com
to compare insurance companies to find the best price. This will save you a lot of time and will probably even save you a lot of money!
5. Insurance bundles. You can bundle multiple insurance policies (your insurance for things besides your motorbike, like your car, home, etc.) into one package with your insurance company, which can reduce your monthly premiums substantially.
6. Training and certification. For people who complete motorcycle safety courses, discounts on insurance are sometimes available. An important point to remember is that motorists need to watch out as a lot of collisions occur involving cyclists. Going for training and taking up courses is something everyone should be doing anyway because it will make you a better rider. This will make you less likely to be involved in a crash, therefore less likely to need a motorcycle accident lawyer and less likely to need your insurance company to pay out for any damage. Being involved in a crash will help keep your insurance lower over the years too! You will be safer, more knowledgeable and less likely to have an accident.
