Motorcycle Insurance Articles
How Motorcycle Maintenance Can Produce Lower Insurance Premiums
2010-08-24
If you perform regular motorcycle maintenance on your bike, you will be able to take advantage of lower premiums from your motorcycle insurance company. Insurance companies base their premiums on several risk factors, including vehicle safety. When a motorcycle is well cared for, it is generally a safer vehicle than a motorcycle that is not properly maintained. When you look for motorcycle insurance quotes, make sure that you present proof of your detailed maintenance schedule so that the insurance company you are dealing with can offer you a better deal on your motorcycle insurance.
There are many reasons that motorcycle maintenance reduces a rider's risk of making an insurance claim. Properly maintained motorcycles run more smoothly and experience fewer break downs. If a motorcycle is not well taken care of, the risk of it breaking down at a dangerous moment is increased. Accidents can be caused by motorcycles that have mechanical problems in the middle of traffic. It is also dangerous when you have to pull your motorcycle off to the side of the road in order to figure out what is wrong with it. When a bike undergoes regular maintenance, the chance of it breaking down unexpectedly is greatly reduced.
Regular motorcycle maintenance can also alert the motorcycle owner of any potential mechanical problems that could arise in the near future. During a regular maintenance session you could replace parts that are becoming worn or too old so that they will not cause a problem while you are riding your bike. Keeping a bike properly maintained means that all of the parts are generally new or in new condition, which protects the bike and the rider from potential trouble on the road. It is much safer to find a problem in the shop than it is to find the problem on the side of the highway.
You could experience lower premiums for your motorcycle insurance because regular maintenance makes a motorcycle last longer. Insurance rates for motorcycles tend to get lower as the bikes get older because the cost of repair or replacement goes down. If you perform regular maintenance on your bike, it could last long enough to save you quite a lot of money on motorcycle insurance. The longer your motorcycle runs well, the more money you could potentially save. Be sure to check with your insurance agent every year to see if you qualify for lower rates due to the condition and age of your motorcycle. Every agency is different, so it may be to your advantage to research online to see if you are paying a fair price for your coverage.