Motorcycle Insurance for Young Drivers – How to Get a Cheaper Policy

Driving a car can be enjoyable, but driving a motorcycle is very exciting. There is nothing to beat the bike riding experience, especially at night, as you cut through the cool air and drive through the mist of lights.

Compared to cars, motorcycles are often less expensive, but have higher fuel efficiency. These factors motivate many, including teenagers, to join the four million motorcycle owners in the US. Like cars, insurance is mandatory for driving a motorcycle. However, no matter how smooth or fast the motorcycle is, it is prone to accidents. Unless adequate precautionary measures are taken, driving a motorcycle can be very dangerous.

The purpose of motorcycle insurance is to fully protect your motorcycle against accidents while being driven on the road, as well as against natural disasters. Motorcycle insurance provides almost the same coverage as car insurance, but the rates are different. The cost of motorcycle insurance is less than that of a car, as the damage that a motorcycle can cause is less than that of a car. For example, in an accident with a car, the motorcycle is most likely to suffer the brunt.

Statistics show that teenage drivers are more often involved in accidents than older drivers. Apparently, teen drivers put insurance companies at greater risk. Therefore, like car insurance, motorcycle insurance costs more for teenagers. Nevertheless, not every teenager is treated at the same level as far as the premium amount is concerned.

Several factors come to mind when calculating the rate of motorcycle insurance for teenagers. For example, when parents include a teenager in their policy, the insurance fee is low. Also, when one rides an insured motorcycle, one gets an extremely low rate compared to riding their motorcycle.

The insurance premium charges usually take into account the teenager’s attitude towards driving. Factors that affect the amount of a motorcycle’s insurance premium include the distance a teenager travels to his or her school or workplace, the number of times he or she drives a motorcycle and the speed with which he or she drives. If the teenager includes wearing a helmet while driving, not using a smart phone while driving, as well as using additional safety accessories such as elbows and knee pads, the premium price drops significantly.

The expense of motorcycle insurance is also affected by the grade given in school. Insurance companies opine that students who work hard to get better grades are likely to be more responsible when driving. Drivers who stand out in their studies are entitled to heavy discounts on insurance premiums.

Many other habits can help improve a teen driver’s rating. One such habit is to complete driver’s education, including a safety course that educates the teenager on the basics of safe, responsible driving. Another option that enables you to qualify for the additional exemption is to finish a course in defense driving.

Considering all these factors, it is not difficult to reach almost the same conclusion: working responsibly, including driving motorcycles, is rewarding.