How risky is motorcycle insurance?

By Graham McKenzie

What is the first word you think and associate with people who drive motorcycles? How about irresponsible, reckless, crazy, dumb, adrenaline junkies? All of those words are common perceptions of bike riders. Unfortunately, not all motorcycle riders fit into that category but it's the few irresponsible riders that give the transportation a bad rep.

People love the thrill and adrenaline rush of cruising at high speeds down a highway with only two wheels supporting your weight. They love the feeling of the air crashing against the side of their face. However, too often people go too fast and lose control of their bike. The accidents are tragic and often deadly.

But for every irresponsible accident there are ten outstanding and safe motorcycle drivers. So no matter what you use a motorcycle for, there are ways to help keep your insurance premium down and still have a great time on that passion of yours.

Like a person who drivers a car, every motorcycle rider needs handled on an individual basis. Not all drivers are as dumb or crazy as other riders. The insurance industry understands that fact, and deals with motor bike riders on a case-by-case basis.

Once you pass the test all motorcyclists must take and earn your license you now have the power to purchase a motorcycle and ride. But you need to make sure you are insured and take the necessary steps to staying safe and being protected from accidents.

Insurance brokers are willing to reward riders who take part in safety courses and additional motorcycle driving courses by offering a cheaper premium. Experience is vital, and insurance companies will go a long way to reward it.

Brokers will also analyze a motorcycle's past driving record. If there is a pattern of speeding tickets, reckless driving, or accidents ? the company will be quick to pull the trigger. In fact, they might not even offer a quote. Nothing speaks louder than a clean past driving record. Brokers will reward that as well.

Premiums will also raise no matter how clean the driving record is or how much experience the driver features, due to the fact that bikes are easy to steal. They are out in the open and many thieves view them as cheap and easy snags. So unless you have a tracking device or other security features, an insurance provider is going to stay hesitant on your investment.

Take the necessary steps if you really want to own a motor bike. Gain the experience; work on your driving record and plant tracking devices on the bike in case of theft. Do all these important steps and you will see a much cheaper premium. - 30329

About the Author:

Sign Up for our Free Newsletter

Enter email address here