Motorcycle Insurance Articles
The Role Of Driver Training In Motorcycle Insurance Quotes
2010-11-04
Motorcycle insurance quotes are determined by the risk that a rider poses to the insurance claim--in other words, if there's a high risk of the motorcycle owner making a claim, his or her insurance rates will be higher than average. Motorcycles are considered more dangerous than cars, at least for their drivers, because they handle quite differently as any motorcycle rider can tell you. Therefore, insurance companies have a definite interest in the amount of driver training that a motorcycle owner takes. Well trained motorcycle riders can benefit from lower motorcycle insurance quotes and more coverage in their policies.
A standard motorcycle insurance quote questionnaire will contain questions about training courses, if any, that a rider has taken, as well as questions about the rider's experience. Insurance buyers can use these questions to their advantage. By taking an extra motorcycle driver training course, you can often find special insurance discount programs that will make a big difference in your insurance quotes, especially during your first few years on the road when training is most effective at helping riders avoid accidents.
Motorcycle owners will also benefit from wider coverage choices, as insurance companies are more willing to provide coverage to these low-risk policy holders. Special programs like accident forgiveness may only be available to either very experienced motorcycle riders or riders who have taken training and defensive driving courses.
However, there are a few things to think about before taking a driver training course for a motorcycle. While most insurance companies will provide discounts to riders who take these courses, there are a few that won't offer discounts, and the exact terms of discounts can vary significantly. As such, it's a good idea to call your insurance agent before you decide to enroll in a driver training course, even if it's sponsored by your state of residence. You should ask your car insurance agent for course recommendations and try to choose a free or low cost course. After all, there's no sense in taking a rider training course for a discount only to overpay in classroom costs.
It's also best to take driver training as early as possible. You'll reap the most benefits by taking such a course before you even receive your motorcycle license or before you buy your first bike. Still, older riders can benefit from the lower premiums that riding classes can provide.
Driver training is an important element of your motorcycle insurance policy and certainly something to consider when you're trying to find lower premiums. Talk to your insurance agent or look on your insurance provider's website for more information.