This Article is About
sports bikes
sport bikes
insurance premiums
sport bike
couple hundred
insurance companies
horsepower
How To Get Cheaper Motorcycle Insurance
Join 1000's of Authors at StreetArticles Today!

How to Get Cheaper Motorcycle Insurance

We are all aware of the great thrills of riding a bike, and how exhilarating it can be. It doesn't have to be a powerful motorcycle, such as a sport bike or a cruiser, you can have a lot of fun riding a small moped, too. But, when you own a bike, you have a lot of responsibilities, as well. The first thing you should do after you buy a bike, is purchase motorcycle insurance, which will protect you in case you get involved in an accident. Insurance costs are different for different types of motorcycles. Before you decide what bike to buy, you have to take into account the insurance costs for the type of bike you are interested in, as they can amount to a couple hundred dollars a month.

Apart from engine size, there are several other factors that affect insurance premiums, including your motorcycle's age, your driving record, whether you install safety devices on your bike or not, and so on.

If you don't want to pay $2,000 - $3,000 a year for insurance, you shouldn't get a bike that has a 1,500 cc or a 2,000 cc engine. Most sport bikes have engines that are at least 1,000 cc, and they are very powerful and fast. That's why it costs much more to insure a sports bike, than a moped or a scooter. However, there are bikes with powerful engines that are not that expensive to insure. For example, you can get a cruiser that has a 1,500 cc engine, with 150 horsepower, but you will get lower insurance rates for it than you would for a sports bike. This is because cruisers are considered to be very safe bikes, due to the fact they are large and stable, and they are not used for racing, ant that's exactly what sports bikes are used for.

The age of your motorcycle is another factor that insurance companies take into consideration. The older your motorcycle is, the lower rates you get, because if it gets stolen or damaged, your insurance company would have to pay less money to replace or repair it.

Also, if you have a good driving record, without any serious traffic violations, it will be easy to find cheap insurance for your bike. If you have a lot of demerit points, your insurance company will consider you to be a high-risk driver, and your premiums will be higher. Apart from the above-mentioned factors, your credit score and your marital status affect motorcycle insurance rates, as well.


Street Talk

No comments present
You May Also Like
Brammo Electric Motorcycles
There are a lot of electric and hybrid cars out there, and consumers have many different options at their disposal. They come in different shapes and sizes, and car makers are starting to pay more attention to the exterior design of electric vehicles, as well. So now, not only that…
By:  in  Automotive  >  Motorcycles   Mar 29, 2013  
0
  Likes: 0

Sport Bikes for Beginners
Sport bikes (or street bikes as they are often referred to as) are sometimes given a bad reputation in that they are for experienced riders only or for those just looking to abuse the power of a motorcycle. This is simply not true and even beginners can enjoy what these…
By: Shannon Sutherland in  Automotive  >  Motorcycles   Apr 10, 2012  
1
  Likes: 2

Motorcycle Chain Drive Or Belt Drive
As we have already established, motorcycles come in a wide variety of shapes, sizes, and styles but they all have certain things in common. Aside from being two wheeled, obviously, they all use some time of drive system to deliver power to the large rear wheel. If you have ever…
By: Shannon Sutherland in  Automotive  >  Motorcycles   May 08, 2012  
7
  Likes: 3

What Sportbike is Right for Me?
In a previous article I talked about the many different types of motorcycles that are out there. One of the styles that I touched on (and often display) is sport bikes. If you are an aspiring rider and have decided that you want to go the sportbike route you are…
By: Shannon Sutherland in  Automotive  >  Motorcycles   Apr 26, 2012  
2
  Likes: 0

Sport Bike Riders - The Self Proclaimed Club
I ride a sport bike so I am inherently awesome and on a different level than those who who don't ride. Right? Wrong. If there is one glaring negative aspect about riding sport bikes it is the "self-proclaimed" riders who have ruined the image for the rest of us. Before…
By: Shannon Sutherland in  Automotive  >  Motorcycles   May 07, 2012  
5
  Likes: 3

Do Police Chase Motorcycles?
Let me start by saying that you should NEVER under any circumstances try to run away from the police (hopefully this is obvious) and that this article is meant to answer a question that I hear from people all the time. I'm sure everyone has been curious at one point…
By: Shannon Sutherland in  Automotive  >  Motorcycles   May 09, 2012  
3
  Likes: 7

The Fastest Stock Sport Bike
Everyone has their own opinion and thought process when thinking about motorcycles. Some may think they are foolish, some may drool at the thought of riding one, and others may not simply give them a thought at all. If you are a person who has even remotely thought about motorcycles…
By: Shannon Sutherland in  Automotive  >  Motorcycles   Apr 26, 2012  
3
  Likes: 7

Comfortable Sport Bike Grips
To anyone who has ever ridden a motorcycle for even a slightly extended period of time, you can easily relate to the discomfort you begin to feel after being on the throttle the entire time. This problem is most often associated with sport bikes because they tend to have a…
By: Shannon Sutherland in  Automotive  >  Motorcycles   May 01, 2012  
3
  Likes: 3

Ways To Stop Smoking - Not For Me, The Taxes On Tobacco Help Me Show My Support For The Government
If I did find a way to stop smoking cigarettes, then I would find myself with far too much of my own money to spend. I have been told many times just how much I could save by quitting, but why should I bother? I see on the news and…
By: JohnV in  Health and Fitness  >  Quit Smoking   Oct 13, 2011  
1
  Likes: 0

What Does it Take for Parents to Put A Teenager Behind the Wheel?
Lets get the painful part of this topic over with first, horrific statistics! Young drivers are three times as likely to die in car accidents as opposed to 25 to 64 year-olds; the younger the driver, the more car accidents. Car crashes continue to be the number one of death…
By: Leo Garcia in  Reference and Education  >  Online Education   May 10, 2011  
0
  Likes: 1

Is Being Politically Correct Killing Us?
Studies have shown that obesity in adults and children is a major epidemic in America. With direct links to diseases like cardiovascular disease, strokes, enlarged hearts, diabetes, cancer of the breast, liver and uterus, and many other serious health problems, why is no one taking this risk seriously enough to…
By: Debbie Murray in  Health and Fitness  >  Obesity   Dec 01, 2012  
4
  Likes: 2

Top 5 Ideas: How to Save Money on Auto Insurance
These days, it’s important to try to find ways to save money everywhere you can, so how about I show you how to save money on auto insurance. There are more and more seemingly “fixed” items in our monthly budgets, but you auto insurance does not need to be one.…
By: S. Giles1 in  Finance  >  Personal Finance   Nov 14, 2011  
0
  Likes: 0

Offering Your Auto
Wanting to offer your auto? Here are the distinctive ways and spots you can do as such and how each may influence the value you'll get. Also, don't miss our tips on the best time to offer your auto and what to do on the off chance that you haven't…
By: Coast Aw in  Automotive  >  Classic Cars   Jun 07, 2016  
1
  Likes: 2

Important Factors for Finding the Perfect Car DVD for Your Vehicle
Most car DVD systems are just dreadful. They don’t have proper balance, the bass is either too heavy or non-existent. And, they rely too heavily on sound gimmicks and mids to do the work that should be done by a properly-balanced system. Here’s what you need to know to find…
By: Silena in  Automotive  >  Classic Cars   Jun 07, 2016  
0
  Likes: 0

I Will Never Forget My First Time
I truly will never ever forget the first time I drove a pickup truck. Okay, so what did you think I was referring to? Well, I will never forget that either, but I am referring to a very hot summer day back in August of 1967. My grandfather had a…
By: Sal Falco in  Automotive  >  Trucks   Jun 07, 2016  
0
  Likes: 1

Article Views: 1143    Report this Article