Motorcycle Insurance Articles
The Cost Of Motorcycle Insurance Quotes For Young Women
2010-10-11
Motorcycle insurance is considered by some to be a necessary evil, but it is not so. Motorcycle insurance serves a vital purpose that only those acquainted with its true purpose can appreciate, but with which all motorcycle drivers should take more notice. This includes young women who take to the road and should do so wisely with insurance coverage.
Young women routinely get lower insurance quotes for their motorcycles than do their male counterparts, and there are ways to lower quotes even more. All drivers, men and women, can benefit by checking out prices quoted by their current insurer. It is foolish to continue paying more for a policy that some other company might offer for less. Look at your next annual or semi-annual bill and consider whether you might do better.
The type of motorcycle purchased by a young woman can have a great deal to do with insurance costs. A vehicle along the lines of a moped or motor-scooter will not be nearly as expensive as a larger, top-of-the-line motorcycle. Your insurance company will take into account how much a bike is worth and set rates accordingly. Young women with good driving records can expect to pay upwards of $600 less per year for motorcycle insurance than young men.
Filing accident claims is not a good way to influence insurers, especially if you have a string of them. File claims only if the damaged exceed your deductible, and then only if it is an expense you just cannot afford. It may seem a trivial point, but consistently securing a motorcycle is appreciated by your insurance company. Motorcycles unfortunately have unenviable theft rates. Keeping a bike under lock and key when not in use can lower insurance costs.
Driving on less-traveled roads and living in good neighborhoods are also things that can help lower a young woman's insurance bill. Take care regarding how many people can use your bike, and whom you let drive your bike can be even more of a problem. Put a man, a younger rider or someone with a checkered driving history in control of your bike, and you can expect insurance premiums to rise.
Motorcycle insurance for women is basically just cheaper than for men. The reason is simply because women do not have as many serious accidents. Insurance companies are in the business to make a profit, and they are obviously inclined to offer better deals to those who carry less risk. Not all insurance companies will offer low motorcycle insurance rates to women just because of their sex. Compare deals offered by online insurance companies to make sure you are adequately covered at a good rate.