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Best Insurance for Motorcycle Coverage

Here's what you need to know...
  • If you are in the market to purchase your first motorcycle, you should do your homework on insurance costs before visiting the dealership
  • Rates will vary depending on the amount of coverage you desire, your make and model of motorcycle, and your personal information that is used to determine what type of driver you are
  • Insurance companies use several factors for determining your rate for similar to car insurance.

If you are considering the purchase of a motorcycle, you’ll need to figure out how you plan to insure the bike. While some considerations for motorcycle insurance mirror the considerations for car insurance, motorcyclists also have their own unique set of needs.

There is no set list of car insurance companies that specialize only in motorcycle insurance or provide the best coverage in all situations.

Instead, the best course of action is to do your homework and pick an insurance company that meets your individual needs and currently is offering you the best policy for your budget.

Are you in need of motorcycle insurance? Click here for a FREE list of online car insurance quotes simply by entering your zip code above now!

Who are the best motorcycle insurance companies for those who are new to riding?

adobestock_70812111-1600x1600If you are in the market to purchase your first motorcycle, you should do your homework on insurance costs before visiting the dealership. Different companies will offer different rates at different times.

Rates will vary depending on the amount of coverage you desire, your make and model of motorcycle, and your personal information that is used to determine what type of driver you are.

The insurance company that was best for your neighbor with the Japanese made racing bike may not be the best company for you and your older model Harley Davidson.

A good starting place is to speak with people you know who have similar motorcycles to the one you plan to purchase. If you don’t know anyone with a motorcycle visit online forums and ask questions of other riders.

Next, obtain a list of free online quotes from several different companies and begin comparing the policies they offer and the price for each policy.

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Why are lists for the best motorcycle companies subjective?

These lists are subjective because they aren’t based on market studies. Instead, they are ranked based on what the person making the list thinks is important.

For example, if someone making a list of the best motorcycle insurance companies considered only the price as determining which was the best, then they might rank GEICO as being the best company.

However, many people don’t like GEICO because the company often quotes you one amount and then charges you another because it gives you a quote that isn’t based on all of the necessary information.

The bottom line is that when you see a list, you aren’t seeing an official list; you are seeing something based on opinion. Even insurance information specialists like the Insurance Information Institute don’t offer actual lists of the best insurers.

How is your motorcycle insurance rate determined?

AdobeStock_78189033-1600x1600Insurance companies use several factors for determining your rate for motorcycle insurance similar to car insurance. The type of motorcycle you plan to buy is a major factor in determining the cost of insurance.

Newer, sportier bikes will cost you more than older, more conservative models because more people ride the sporty bikes fast, or in a riskier driving manner.

Several factors will impact the amount you pay for insurance including you age, driving record, credit rating, and your gender.

Is there anything that I can do to keep my motorcycle insurance costs down?

As with car insurance, making sure that you have the best safety devices on your motorcycle will help to keep your costs down. In addition, choosing to drive with a motorcycle helmet and safety gear will help your costs as well.

Most insurance companies offer a 20 percent discount to motorcycle drivers who take classes to learn how to drive a motorcycle safely, as well as a defensive driving course. You should also ask your insurer about any discounts that it offers to motorcyclists.

Who are the best motorcycle insurance companies if you don’t have a lot of money to spend?

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Even if your finances are tight, it does not mean you cannot afford insurance for the motorcycle you have always wanted.  Firstly, you can reduce your annual premium by opting for a higher deductible.

You are taking a chance that you will owe more money out of pocket if your bike is damaged, but you may be willing to take that chance if you need to lower your upfront costs.

You may also be able to get a discount if you are a member of a motorcycle organization such as the Gold Wing Road Riders Association, American Motorcycle Association, or Harley Owners Group.

You may also receive discounts for taking a motorcycle safety course such as those offered through state departments of motor vehicles or the course offered by the Motorcycle Safety Foundation.

Motorcyclists pay extra for guest passenger coverage as opposed to other vehicle policies that automatically cover passengers. If you plan to have others ride on your bike you need this added protection-

The bottom line is to do your homework, know what you need, what you can afford, and what you should look at carefully in each policy. Once you have examined a list of quotes, speak more in depth with an agent, and you will be able to find the best motorcycle insurance company for you.

Are you ready to start researching motorcycle insurance companies? Click below and enter your zip code below and start comparing FREE car insurance quotes to get you started.

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