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Getting Lower Motorcycle Insurance Quotes For Teens

2012-04-07

Teens who want to drive motorcycles are going to pay more for their motorcycle insurance policies. In fact, most motorcycle insurance quotes for teens are high. The reason for this is that motorcycle insurance companies figure that they will be more likely to pay on policies purchased by and for teens. Motorcycle insurance companies consider teenagers to be more reckless and more likely to take risks. For this reason, the insurance companies charge them higher rates. However, in some cases, teens may be able to find lower motorcycle insurance quotes. Safe driving and good grades can help teens reduce the amount they or their parents spend on their motorcycle insurance policies.

Many motorcycle insurance companies offer discounts for students who are getting good grades in school. All A's or a high GPA may make an individual eligible for an insurance discount. Good grades are a sign that an individual is responsible and cares about their schoolwork. This is why those who have good grades are more likely to get lower insurance quotes. When teens and their parents are going online to get insurance quotes, they must be sure to input that the student has good grades into the quote form to get the most reliable information. In some cases, quotes do not consider grades, but the company may still offer a good grade discount. In this case, parents of teens should call companies they are considering to determine if that company offers a good student discount. Most companies want official copies of report cards for verification purposes.

In addition to good grades, safe driving can help a teen get lower rates on his or her motorcycle insurance. If a teen has been driving a car for a while and has not gotten into an accident, the insurance company may be more likely to give the teen a lower rate. Additionally, some companies allow teens to lower their rates by attending driving school or motorcycle school. Teens who attend these programs and do well, will be more likely to save money on their insurance.

Finally, teens may be able to get a discount on their auto insurance if they drive motorcycles that are not likely to be stolen. Teens who ride bikes that are likely to be stolen typically pay higher rates because the insurance company knows that it will be more likely to pay out on the policy. Teens who are more conservative about their bike choices will likely have much more conservative rates as well.

Teens usually pay higher rates for motorcycle insurance. However, teens who earn good grades, are safe drivers, and drive conservative vehicles are more likely to have lower insurance costs.

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