Motorcycle Insurance Articles
What Young Women Should Look For In Motorcycle Insurance Quotes
2010-12-11
Shopping for motorcycle insurance quotes can be an intimidating enterprise. Motorcycles are statistically more dangerous than other types of automobiles, which can cause rates to be exceptionally high. Therefore, there are several things young women should look for in order to ensure a high quality, affordable insurance policy that will cover their needs.
One thing to look for is whether or not they can get their premium reduced by taking a motorcycle training course. These are typically administered by the state's Department of Public Safety. They are designed for beginners such as young women to show them the basics of how to handle and manage a motorcycle, how to avoid dangerous driving situations, what sort of safeguarding gear is necessary and how to get out of precarious situations if you find yourself in an unavoidable one. The teachers will work with young women who are interested in motorcycle riding to make them more comfortable and thus safer lowering the risk that they might pose for an insurance carrier. For a one-time fee, young women can often save upwards of ten or fifteen percent on their insurance.
Another thing to look for when shopping for a motorcycle insurance quote is options in the cost of the deductible. In the event of an accident which involves the filing of a claim, the amount will be higher but you will be saving money each month that you stay away from accidents. This is a particularly appealing option for young women who are more confident in their riding abilities, perhaps those who have taken a training course.
They should also look to see how their bike type affects their motorcycle insurance quote. Custom bikes are frequently used for off road action and insurance companies view these sorts of activities as high risk. Thus, their quote will be much higher as opposed to a non-custom bike. If the rider does have a custom bike, it is also important to ensure that premium covers all the parts and accessories. Many carriers will not automatically do this, particularly for more expensive parts. So you will be faced with either paying a premium amount to insure all the parts of the bike or just having to replace a damaged part.
If a young women can show to an insurance company that their motorcycle is stored in a garage or other type of enclosed storage area, the company might lower their quote because this means less risk. This is because motorcycles are frequent targets for vandals.
When any driver, especially young women, can reduce the amount of risk that an insurance company is taking, you will find more affordable motorcycle insurance quotes.