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Harley Davidson motorcycle

Motorcycle Insurance

That is quite the bike you have there! Now it is time to get it properly insured. Before we get you the right coverage let’s have a quick glance at what insurance companies use to rate your motorcycle insurance premium:

  1. First thing insurance companies look at is the motorcycle itself. As you can imagine different bikes yield different insurance rates. Obviously the year, make and model of the bike is going to play a significant role in determining the premium. If you are riding the latest and greatest sports bike with 1000cc, 200-HP and looks something like this then you can expect to pay more than someone who is riding an old, basic motorcycle.

    Yamaha R6 Sports Bike

    Yamaha R6 Sports Bike

  2. Next, as you can imagine, is your Driving Record. Here’s the catch; it is your driving record for any and all vehicles that you have operated. That means any accidents or convictions you have had while driving a car are going to count towards your motorcycle premium. This is why maintaining a good driving record is of utmost importance.
  3. Your Age is also a factor. Similarly to auto insurance, there are certain ages where you are more likely to experience better rates. This is because the older you are the more experienced you have on the roads.
  4. Believe it or not your Address can also come into play. If you live in an area with heavy traffic or high crime rates you can expect that your rates will be higher than someone who lives in the opposite conditions.

Now that you know what insurance companies use to evaluate your motorcycle premium you should be all set. So what are you waiting for? Fill out the form below to receive an insurance quote on your motorcycle!

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