If you ride a motorcycle, you might notice it's different than the average car. For one thing, there are two wheels, instead of four. For another, there aren't any walls to insulate you from the elements. If you have a wreck, you might not have the same amount of protection. And these factors can impact your insurance rates.
Motorcycles and cars have different values, different safety risks and unique operating requirements. Each of these qualities might impact how much you pay for your insurance. The question is, who pays more, the motorcyclist or the standard driver?
Motorcycle Riders Often Pay More
Unfortunately for bikers, they usually pay more for their insurance coverage than a car owner. This is often the case because riding a motorcycle is riskier than driving a car. Motorcycle riders generally must wear enhanced safety gear, as accidents might otherwise cause severe injuries. And bikes are more difficult to control than cars, raising the risk of accidents.
Still, it isn't set in stone that motorcyclists will pay increased rates for coverage. There are ways you can get full protection without paying high costs.
How to Get Better Motorcycle Insurance Rates
Your insurer will likely look at many factors to help them determine your policy costs. Some of these factors you have little control over. But you might be able to leverage others in your favor. Consider some of the ways you can get more affordable policy rates.
- Keep a Clean Driving Record: Bikers who rack up a lot of violations are often riskier to insure. So, if you have had multiple tickets, wrecks or insurance claims, your insurer might slap you with higher rates. To keep your rates from rising too much, take the simple step of driving safely. Follow the rules of the road. And if you need extra help, consider a safe driver course.
- Get a Higher Policy Deductible: When you file a claim, you must pay the deductible cost before your insurer pays the rest of the claim. A higher deductible often lessens the cost burden for your insurer. So, they might award you with more favorable rates.
- Ask About Policy Discounts: Insurers frequently award policy discounts. On your policy, there might be a discount for safe drivers, students and much more. Ask your issuing agent which discounts are available, then see what you can do to qualify.
Whatever you do, don't go without motorcycle insurance. Doing so is irresponsible, and likely against the law.
Contact Fulton Agency today to get the most affordable coverage. Our agents will work diligently to accommodate your needs.