How to Get the Best Motorcycle Insurance Quotes
If you are thinking of getting a motorcycle, you may want to hold off until you find out about getting insurance for that hog. The price to insure a motorcycle is much different than the price of regular car insurance.
A good part of this reason relates to the danger that goes along with motorcycle ownership. Motorcycles are considered much more dangerous than cars for many reasons including that those riding them are much more likely to try to speed or show off as well as the chance for injury is much higher if there is an accident.
So before you start putting money out on a bike, you need to sort out what you will pay for insurance, and if some of your bike purchasing decisions can bring that price down.
What Bike to Buy
The first thing you need to understand is that an insurance company will look at the correlation between your skill with a motorcycle and the bike you are buying when you are looking for insurance. This is something that is a little different than auto insurance.
If you are beginner in riding, you should be getting a bike that is appropriate for your experience, not something that is well out of your power range. The insurance company will take a look at what you are considering buying and get a pretty good idea if you are going to have a problem handling it. If they think you are, you are going to pay substantially more in insurance premiums.
Go Bike Shopping
You need to do some comparison-shopping for bikes at this point. Make a list of pros and cons of the bikes you like as well as the insurance costs. Often the dealerships will be able to give you an idea of which ones are easier to insure.
You should also look somewhere like consumer reports as they will give you a run down of the safety ratings, which insurance companies also look at.
Take Classes
Even if you think you know what you are doing on a bike, you should take a few classes to make sure. Most motorcycle dealerships offer motorcycle riding and safety courses.
These are good for more than just your safety. Just like car insurance companies like those who have taken safe driving courses, those offering motorcycle insurance will be much happier if you have taken safety classes, as they will think you are working to be a little more careful, and therefore less of a risk to yourself and others.
Another great reason to take motorcycle safety classes is that if you haven't bought a bike yet, a dealership will often let you use some of their bikes for your classes, which will give you an idea of how the bikes feel as well.
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Steve Sikes is an MBA and writes articles on insurance and other financial products. To read other educational articles on insurance at the InsuredItAll Learning Center or to get free insurance quotes for auto, home, health, life or long term care insurance, you will want to visit www.InsuredItAll.com
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