Motorcycle insurance is considered "high risk" for factors you may not think about everyday. Remove the stereotype about a typical biker with long hair and a cutthroat and angry attitude. No matter what age, size, or type of personality, motor bikes are dangerous and that's the primary reason they are labeled "high risk."
Motorcycling is incredibly dangerous. You are traveling sometimes at a speed over 80 mph on two wheels, and nothing but a few pieces of metal to support you. There is no seat belt and some riders even neglect to use a helmet. No wonder why when a motorist gets into an accident, it is often fatal.
But for most motorcycle drivers, a bike is a respected and safe way to commute for work or enjoy a ride on a sunny weekend afternoon. People who drive their motor bike without regard to anybody else are the bad apple in the bunch.
Insurance companies understand that and are willing to adjust premiums individually based on several factors. It will not change the perception that motor bikes are "high risk," but the agencies will change their opinion somewhat based on the driver.
Do not be fooled. Passing the driving test and earning your license does not make you an expert on a bike. It only makes you qualified, but never an expert of the vehicle. A lot of riders disregard that common knowledge and automatically feel like experts on the road. No wonder why their premiums are so high.
Insurance companies love to reward drivers who take the extra time to learn the safety and handle of a motorcycle. Motorists can prove their knowledge and safety by enrolling and successfully completing motorcycle training and safety courses.
Insurance companies also like to reward drivers with clean driving records. Have you been in your fair share of accidents and received your fair share of tickets? Chances are insurance companies are not going to be pleased and award you with a cheap premium. Your history pays off and it will if it's clean.
Premiums will also raise no matter how clean the driving record is or how much experience the driver features, due to the fact that bikes are easy to steal. They are out in the open and many thieves view them as cheap and easy snags. So unless you have a tracking device or other security features, an insurance provider is going to stay hesitant on your investment.
Motorcycle insurance is considered "high risk" and expensive, however with a few minor qualities, the quote can automatically drop and the premium stays much lower.
Motorcycling is incredibly dangerous. You are traveling sometimes at a speed over 80 mph on two wheels, and nothing but a few pieces of metal to support you. There is no seat belt and some riders even neglect to use a helmet. No wonder why when a motorist gets into an accident, it is often fatal.
But for most motorcycle drivers, a bike is a respected and safe way to commute for work or enjoy a ride on a sunny weekend afternoon. People who drive their motor bike without regard to anybody else are the bad apple in the bunch.
Insurance companies understand that and are willing to adjust premiums individually based on several factors. It will not change the perception that motor bikes are "high risk," but the agencies will change their opinion somewhat based on the driver.
Do not be fooled. Passing the driving test and earning your license does not make you an expert on a bike. It only makes you qualified, but never an expert of the vehicle. A lot of riders disregard that common knowledge and automatically feel like experts on the road. No wonder why their premiums are so high.
Insurance companies love to reward drivers who take the extra time to learn the safety and handle of a motorcycle. Motorists can prove their knowledge and safety by enrolling and successfully completing motorcycle training and safety courses.
Insurance companies also like to reward drivers with clean driving records. Have you been in your fair share of accidents and received your fair share of tickets? Chances are insurance companies are not going to be pleased and award you with a cheap premium. Your history pays off and it will if it's clean.
Premiums will also raise no matter how clean the driving record is or how much experience the driver features, due to the fact that bikes are easy to steal. They are out in the open and many thieves view them as cheap and easy snags. So unless you have a tracking device or other security features, an insurance provider is going to stay hesitant on your investment.
Motorcycle insurance is considered "high risk" and expensive, however with a few minor qualities, the quote can automatically drop and the premium stays much lower.
About the Author:
Graham McKenzie is the content Syndication Manager at insurance123.co.za South Africa's leading Motorcycle Insurance information portal
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