| If you have purchased car insurance in the past, | | | | 3. Are You Experienced? -- Your experience riding |
| you might be forgiven for thinking that purchasing | | | | a motorcycle is often taken into consideration by |
| motorcycle insurance is exactly the same, and | | | | insurance agencies when determining your |
| that your rates will vary according to the same | | | | premium rates. If you have just purchased your |
| factors. But the truth is, motorcycle insurance | | | | first motorcycle, odds are you will have to pay |
| works in a very different way from standard car | | | | more to be insured. Comparing rates between |
| insurance. In addition, the factors that influence | | | | different companies can often produce significant |
| how high -- or low -- your premiums will be are | | | | price differences though, so even if you are a |
| different for motorcycles. | | | | first-time motorcycle buyer, be sure to shop |
| In this article we will take a look at some of the | | | | around. |
| factors that will influence your motorcycle | | | | 4. Your Location -- Believe it or not, where you |
| insurance rates, and provide tips on how to get | | | | live is one of the biggest factors in determining |
| the best possible quote for your insurance. | | | | the insurance rates for motorcycle owners. |
| 1. Your Age -- Just like car insurance, motorcycle | | | | Motorcyclists who live in rural areas, for example, |
| insurance is also affected by the age of the | | | | often have significantly lower insurance premiums |
| insured driver. The highest insurance rates will | | | | than those who live in major cities. As a general |
| usually go to female drivers younger than 21 | | | | rule, the more traffic there is in your area, the |
| years old, and male drivers younger than 25. | | | | higher the accident rate will be, and thus, the |
| These limits vary somewhat between different | | | | higher your insurance premiums will tend to be. It |
| states, so you might need to check your local | | | | is also true that certain states and even counties |
| insurance agent to be certain. If you are within | | | | tend to have much higher insurance rates than |
| this "high risk" age zone, you might consider | | | | others. But whatever you do, resist the |
| waiting to purchase your motorcycle in a few | | | | temptation to lie on your insurance forms and |
| years. Otherwise, you can expect high rates | | | | claim to live in another area. This is called |
| simply because of your age. Is this fair? Of | | | | insurance fraud, and penalties for this crime can |
| course not; but that's simply the way it is. | | | | be serious, including jail time. Just don't do it! |
| 2. Your Driving Record -- The insurance company | | | | When it comes to shopping around for |
| will be sure to check your driving record before | | | | motorcycle insurance, the best way to find the |
| issuing a quote, as this is one of the most | | | | lowest rates is usually by searching online. Online |
| important factors in determining your insurance | | | | insurance web sites allow you to get an instant |
| rates. If you've had quite a few tickets on the | | | | quote, while comparing coverage options between |
| past, or been involved in accidents where | | | | different companies. This is a perfect way to |
| insurance claims were filed, you're probably going | | | | ensure you don't end up overpaying for your |
| to see much higher insurance premiums. | | | | motorcycle insurance. |