Finding low cost motorcycle insurance is easier than you think when you know how to reduce your rate. Like most people I expected to get a great, low cost motorcycle insurance quote since I’ve been driving for years with no accidents. I was shocked when I got motorcycle insurance quotes that exceeded my car insurance. I searched and searched and eventually I found some low cost motorcycle insurance. Here are some things you should do to improve your chances at getting cheap bike insurance.
You probably won’t get low cost motorcycle insurance with the big boys
Don’t make the mistake and assume the big motorcycle insurance companies are going to give you the best rate. As a matter of fact, the rate Geico quoted me was amazingly 5 times what I eventually got from a local motorcycle insurance broker. Look around and check the local, little guys first. A dedicated motorcycle insurance company will most certainly give you low cost motorcycle insurance.
Take a class and get low cost motorcycle insurance
One of the easiest things you can do to get low cost motorcycle insurance is to take the basic rider course from a motorcycle safety school. This will give you an instant 10% discount on your motorcycle insurance, actually it will also give you a 10% discount on your car insurance rates too, so it will pay for itself quickly. Not to mention the added riding skill you will get. This is a great way to get low cost motorcycle insurance and become a better rider too!
Choose the right motorcycle. There are several categories of bikes that, when cross referenced to your age and riding skill are big red flags to motorcycle insurance companies. We can all guess the sport bike with the inexperienced 20 year old rider, but did you know 1500+ cc bikes and EXPERIENCED 40 year old riders are a big accident group! I linked a book in the resource area below, it has an entire section devoted to high risk groups. You should read this before purchasing a new bike, it’s all documented by the NTSB.
So there you have it; take the safety course, buy the right bike, and the big one SHOP around. The lowest motorcycle insurance quote you get will more than likely be from a dedicated, local motorcycle insurance brokerage.
Filed Under: Motorcycles and Scooters