When it comes to getting your first motorcycle, the excitement may be quelled a bit when you set out in finding insurance for your first bike. Don’t worry because this article will guide you to find the most suitable coverage that you would prefer to have for your first motorcycle.
Motorcycle Insurance for First-time Drivers:
Getting motorcycle insurance for first time driver will seem like a tough experience at first because you probably know very little about the different policies, how to find discounts and where to get the best in affordable coverage.
The good news is that the process itself is fairly straightforward if you take things step by step. This means that you should get to know the basics of motorcycle insurance, what is required and where you can make it as affordable as possible.
First, most states require that you have minimum coverage for your motorcycle which mostly includes liability and uninsured motorist. However, if you needed a loan to purchase your bike the lender will most likely require comprehensive coverage which means that any damage to the motorcycle will be covered.
Also, because you are a new driver and most likely are under the age of 25 your insurance premiums will be very high. This is because you have not established a record of your driving ability at this point and adults 18 to 25 are the most likely to be involved in an accident. We have separate guide for riders of a particular age, select your age below and get specific information on motorcycle insurance:
Choosing a Suitable Policy:
The policy requirements are fairly simple if you needed a loan to purchase your motorcycle as you will have no choice but to select comprehensive coverage. However, if you did not need a loan, then you will have more flexibility when it comes to getting the insurance you want.
Liability and uninsured motorists are usually required by most states and the good news is that they are fairly inexpensive. However, you can also add collision insurance which is more expensive, but it does cover you motorcycle for damage as the result of an accident.
Theft protection is another popular type of insurance because motorcycles are fairly easy to steal if they are left unguarded. You can also choose roadside assistance which helps if your bike breaks down and there are other policies that you can select.
Get Discounts and Save on Premium:
Getting affordable motorcycle insurance for new riders may seem difficult at this stage, but it can be done if you follow a few tips.
Safety Course: Participating in a recognized driving safety course may save you from 5% to 15% on your insurance coverage.
Under 125cc: Basically, driving a smaller motorcycle is considered less dangerous and will save you money on your insurance. The type of bike and specific brand or model is another important consideration.
Seasonal: If you only drive your motorcycle in the summer, then you can pay for seasonal insurance which may save you up to 50% on your premiums. Get more information here about seasonal coverage.
You can look for other discounts and ways to save money on your motorcycle insurance by going here.
Getting Affordable Motorcycle Insurance for New Drivers:
You can start shopping motorcycle insurance for new drivers from us by applying free quotes online so that you can compare the rates. Be sure to include any applicable discounts so you know how much money you can save on your insurance coverage.