Great Motorcycle Insurance Rates

Motorcycles are fun – an embodiment of the American Spirit, bringing memories of James Dean and Hells Angels and the freedom of the 60s with them. They feel free, like your body’s floating unencumbered across the smooth pavements of America’s highways. But they don’t feel so free when you buy insurance from them. Those rates bring you down to earth pretty quick. It is possible to find great motorcycle insurance rates – but you have to look for them. Make Yourself More Insurable Most people buy motorcycles to rebel – even if they’re only rebelling a little bit. But it can cost you if you choose to rebel against, say, safety, or intelligent self-education. Rebel against the chafing confines of automobiles, but do some non-rebellious things to make yourself more insurable – and safer. First, take motorcycle lessons from an accredited provider like AA

A: If you’re in the military, check with your commanding officer; you almost certainly have motorcycle lessons provided through your command structure. Drive safely; safe drivers always get good insurance rates, whether it’s for a motorcycle or a Mack truck. Don’t drink and drive a motorcycle unless you have a death wish. Oddly, wearing a helmet doesn’t make you more insurable; but guess what? That’s because if you don’t wear a helmet, you’re more likely to die on impact, which ultimately costs the insurance companies less than paying your hospital bills. Be smart, and cheat the insurance companies of a little revenue; they can’t legally charge you more because you do wear a helmet! Motorcycle insurance is cheaper if you don’t drive your bike much – to and from work during the summer, for instance, won’t put a lot of mileage on. Ask your agent about discounts for low mileage. And if you park in a place where your bike won’t get messed up – in a special motorcycle lot, for instance – you should pay less than if you park under the crane at work, where there’s a slight risk of a 10-ton package breaking and squashing your baby. Shop Smart for Motorcycle Insurance Rates should be lower if you are an older driver; this does not hold true, however, if you aren’t experienced. Expect to pay more if you haven’t driven a motorcycle for very long. Shop around for the best insurance; quotes can vary widely, and you may be able to get discounts

for lifestyle choices from one company but not another. Don’t settle on the first insurance company you find. Check with your auto insurer to see if they offer discounts since you’re already a customer; and try to find out from each company if you can get military, AAA, AARP, or any other discounts on their rates. Bikes are not very hard to steal; if you can lock your bike up somewhere, or install a theft alarm, you may be able to get a discount on your rates. And if you protect your bike from the weather, your full coverage rates will probably be lower. Once you find your motorcycle insurance, rebel away! But keep yourself safe; it’s hard to ride your bike with a broken leg or worse.