Four Ways to Get Cheap Bike Insurance

Bikers are the daredevils of the roadways. Everyone knows this including insurance companies which is why finding cheap bike insurance is hard to do. There are four tricks to getting affordable premiums for these two wheeled freedom machines. Bikers who get experience, join a group, ride a smaller motorcycle and ride less have more money to spend on gasoline and road trips.

Experience

Insurance premiums are based on experience, driving record, motorcycle and amount of coverage. This is how insurance companies look at motorcycle drivers. Young people below the age of 25 have great reflexes and fantastic eyesight but lack riding experience. The middle group of bikers between the ages of 30 and 50 get better rates because they have good reflexes, good eyesight and the experience that keeps them out of trouble. Insurance companies believe that anyone over 50 has great experience but slowing reflexes.

Taking special motorcycle courses helps young and inexperienced drivers gain valuable road awareness and reduce insurance premiums. These courses address changes in road surfaces, dangerous conditions like twilight and dawn and how to compensate for snow, sleet, ice and rain. The classes also address safety wearing apparel like motorcycle boots, jackets, gloves, helmets and goggles which save skin and broken bones.

Joining a Group

Many motorcycle clubs work with insurance providers to get members cheaper rates. Not only does joining a group of fun-loving road warriors pay off with reduced premiums, bikers get the benefit of other people’s experiences. Special day or weekend trips help novice operators learn safe motoring practices.

Ride a Smaller MC

Motorcycles with less power have cheap bike insurance while motorcycles with engines over 1000 cc cost more to insure. Since premiums are higher for people lacking three years of on-the-road experience, smart beginners gain this skill with a smaller, older motorcycle saving themselves money and possibly major injuries. Although everyone wants a big, powerful Harley, the biker will enjoy it more when he or she has the road experience to keep it under control and protect it from tip-overs and accidents.

Ride Less or Insure for the Season

Insurance is based on mileage and time. If the motorcycle is an extra, fun addition to life, bikers can save money by paying insurance only for the 5,000 miles per 8,000 miles a year they use this thunder horse. Some insurance companies adjust premiums for weekend adventurers providing coverage only on certain days or have eight or nine month policies for colder, snowy climates.

With a little thought and planning, motorcycle owners can find ways to get cheap bike insurance and enjoy the freedom of the open road. By taking classes, these drivers developed the skills and understanding they need to keep themselves out of trouble. Motorcycle clubs offer members cheaper insurance. By starting off with a smaller cycle and enjoining fewer miles in the saddle, bike owners save money. When the time comes, they can upgrade to a full sized beast; they are better able to handle its power and speed.