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Most cheap motorcycle insurance policies will cost you a few hundred dollars. But there are ways to reduce the cost of your premium before you buy it. Try these motorcycle insurance tips to reduce the cost of your premium:
Compare and change motorcycle insurers
Motorcycle insurance consumers who stay with their current insurer at the time of renewal almost always pay a higher premium than those who choose to switch to a new provider.
Improve security
Reduce the risk of theft of your cheap motorcycle by installing an alarm or an approved lock and storing your motorcycle in a locked garage overnight.
Cut down on extras
Adding optional extras to your policy, such as loss protection or leather coverage, can increase the cost of your premium.
Take a motorcycle training course
Advanced riding courses can help you gain experience and hone your skills, but not all motorcycle programs offer a discount for this extra experience. You will need to evaluate the cost of the course against the discount you will get with your motorcycle insurance broker.
Reduce your annual mileage
The less time you spend on the road, the less likely you are to have to make a claim. But always be honest with your insurer about your annual mileage.
Choosing the right motorcycle
Smaller motorcycles usually have less powerful engines, which means your insurance could be cheaper. In addition, repairing or replacing them is usually less expensive.
Build your claim without a claim
A claim-free driving history can get you a no-claim discount.
Avoid modified and unusual motorcycles
If you own a motorcycle that has undergone many modifications, your premiums will be higher. They make your motorcycle more expensive to repair or replace, and more attractive to thieves.
Fonts for you, no matter what motorcycle you are
If you’re looking for something more specific than standard motorcycle insurance, there are other policies available for many different types of riders and motorcycles.
Classic motorcycles
If your motorcycle is more than 20 years old, it can benefit from classic or vintage motorcycle insurance. Coverage may include discounts for low mileage and an agreed value of the amount you will be paid in the event of a total claim.
Insurance for scooters and mopeds
Protection for small two-wheeled vehicles. Due to their low speed, they are suitable for apprentices and are often cheaper to insure than more powerful motorcycles.
Insurance for young or new drivers
Insurance can be expensive if you’re a new or young biker. Lack of experience and perceived risk all contribute to the increase in your premium. However, you can find the coverage you need for less by comparing motorcycle quotes with a broker.
The undeniable advantages of insuring your motorcycle with an insurance broker
When it comes to insuring your valuable motorcycle, working with an insurance broker can provide significant added value. Explore the many advantages of choosing a broker for the protection of your two-wheeler.
1. Personal advice
Motorcycle insurance brokers understand the importance of individuality. They offer personalized advice by assessing your specific needs, taking into account the type of motorcycle you ride, your riding experience, and your coverage preferences.
2. Compare offers
A broker acts as your insurance expert, comparing offers from different motorcycle insurers to find you the best coverage at the best price. This saves you time while ensuring that you get a policy that suits your needs and budget.
Your broker is available to discuss your request at your convenience.
