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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If you want maximum auto insurance at minimum prices, talk to Ed Sezar at Cheap Auto Insurance, in Canoga Park, California. He can get you the auto or motorcycle insurance you need, despite issues such as suspended license, no license or DUIs. There’s also discounts for a good driving record and good grades. Call Cheap Auto Insurance and get the insurance you need at a price you want. Visit us www.yellowpages.com
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About Author
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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Posted by American Car Insurance on August 23rd, 2009 filed in motorcycle insurance | 9 Comments »
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how much to insure a 2006 sportster -9 Responses to “How to Get the Best Motorcycle Insurance Quotes”
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August 23rd, 2009 at 9:51 am
I just came across this informative website, you can compare your local insurance agencies for insurance quotes :
http://the-auto-insurance-quotes.blogspot.com
http://the-insurance-quotes.blogspot.com
August 23rd, 2009 at 10:10 am
Way too much for that age on that bike at your age you will have to go with an under writer Insurance for sure. But who the hell or how the hell dose a 17 year old get in to a bike like that you joining the military or is Mom and dad paying the bill?
Good luck and enjoy your bike.
August 23rd, 2009 at 9:38 pm
yes the company I work for I do Not need you to give me your social but when I hit the get credit report which gives me an insurance credit score not your fico score. At this point your ss number comes up and all but the last four are blocked and can not be retrieved, but if you want your identity toatally secure you are screwd everything is on the net if you know where to look purchase an identity theft option with your homeowners or auto policy if it is offered.
August 24th, 2009 at 6:26 am
I pay $125/ yr. for my 2006 Sportster 883
August 25th, 2009 at 4:09 am
an sr-22 will give you no coverage for your bike, so the value of the bike isnt even relevent.
what will make a difference is your gender, age, location and driving record.
dont expect it to be cheap.
August 25th, 2009 at 11:14 am
$75 a year liability cause it is a 10 years old motorcycle with Progressive
August 25th, 2009 at 1:07 pm
HOLY COW! We only pay about $150 a year here in Wisconsin. Since it's motorcycle season year 'round down there, that's probably why it's more expensive. I don't know if my company writes policies down there, but you could look them up on the web…Hastings Mutual Insurance Company in Michigan. Maybe Geico could help too, but I've never checked for motorcycles. They were higher on car insurance for us. Also, the kind of ride you have might make a difference too, such as a crotch rocket over a Gold Wing. Anyway, hope you find something. Ride to live, live to ride. <*)))><
August 25th, 2009 at 6:48 pm
Your current insurance will not be informed that you are researching other insurance quotes and/or discover your speeding tickets from that process. Your insurance company will probably discover your speeding tickets about 60 days before your renewal (most insurance companies do this). If you are currently insured by a standard company, it is very likely that your insurance will be cancelled at that time or you will at least have a large rate increase.
In terms of some of the other comments regarding credit, neither of the comments are correct. Insurance companies pull what is called an insurance score which is a numerical formula based on your credit. However, it is not a credit report. The insurance company does not use this to determine if you are insurance "worthy" or to determine your payment plan. According to actuarial science the better insurance scores translate to the better risks and the more impaired scores translate into higher risk profiles. Stated another way–on average clients who have impaired insurance scores produce more claims. Therefore the insurance companies use the insurance scores as one of the factors (other factors would be your driving record, accident record, mileage, type of car, etc.) that allow them to adequately price the risk to produce a profit.
I hope this helps. Good Luck!
August 26th, 2009 at 1:41 pm
Yes , it's normal………..seems that high credit risks are associated with bad driving……….for the life of me, I don't understand their logic …..don't worry, it's done all the time…….