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motorcycleinsurance117

Protect Your Motorcycle With These Tips On Insurance

Do you wonder if your policy rates are too high? Do you wish you knew more about motorcycle insurance? You're in the right place! This article contains plenty of tips that will make you more knowledgeable about bike insurance. Whether you're looking for a new policy or just looking for information, these tips will help you out.

Being a careful driver can really save you money on bike insurance.

 

Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your bike insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low!

Your teenage driver's insurance will cost you much more than yours for a while, but if they took any formalized driving instruction, be sure to mention it when shopping for a quote or adding them to your policy.

Discounts are frequently available for driving instruction, but you can get even bigger discounts if your teen took a defensive driving class or other specialized driving instruction course.

Decrease your mileage to decrease your premiums. The amount of miles you drive actually has a very large effect on the amount you pay for your premium. If you can cut down the number of miles you drive, your premiums will fall with it. Give yourself a break, and take the bus on occasion.

You should merge all of the motorcycle insurance policies you have on your bikes into a single policy.

 

Doing this can save you up to 10 percent on your premiums. It also amalgamates all your bills and paperwork into a single policy. This will make the situation much easier if you ever need to file a claim as you'll only be using a single insurer and a single policy number.

If you have an older motorbike that does not have a high value, remove the collision coverage from your insurance to save money. It is possible that your bike is worth less than your deductible, so consider carefully whether or not collision coverage is actually going to pay anything in the event of an accident.

Consider a less-sporty vehicle. Insuring a sports bike is expensive. In fact, superbikes that have larger motors are more expensive to insure. In addition, sports bikes are stolen more often than other motorbikes, driving the insurance rates even higher.

Make your deductibles higher to reduce your premiums. Doing this can be a worthwhile way of saving money if you are willing to store money away in case you do get into an accident. A higher deductible means a lower premium.

Always receive quotes from multiple providers when seeking motorcycle insurance.

 

Even those providers you wouldn't consider at first could be offering the lowest rates. You never want to settle on any policy before comparing the price to others as there can be a great difference from one policy to the next.

With motorbike insurance, is it better to have a policy with a call center or one with a local office? It is nice to talk face to face with an agent, but he may have an interest in giving more coverage than you actually need - since he benefits personally from this.

Carefully examine any extra options included in your bike insurance premium, because you may not need all of them. One of the most common additional options you might be paying for is roadside assistance.

If are already a member of a rider club that offers roadside assistance, you can drop this option from your insurance plan and save some money every month.

Avoid getting into accidents. This seems obvious, but many drivers don't realize how much their rates can increase after an accident. If you are in a minor accident, consider not placing an insurance claim if you'll end up paying most of the repair with your deductible anyway. The cost of the repair might be considerably less than the loss of your good driver discount or similar.

Important information about motorbike insurance usually isn't taught in schools or in driver's training courses. It's your responsibility to find this information on your own. The advice in this article will make you more knowledgeable about bike insurance, which may make it easier to make smart choices when looking for insurance in the future.

Don't be the product, buy the product!

Schweinderl