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Where can you find cheap motorbike insurance? Many factors affect how the Insurance Companies will rate your premium such as :

1) Your bike – as with cars, if you’ve got the newest, flashiest more expensive model then you may pay a higher price. If you’re new to motorcycles, it’s a good idea to go for an older model to begin with. Apart from lowering your insurance costs, it is more sensible to practice your new skills on an ancient bike than a newer machine.

2) How long you posessed your license? If you have only just qualified the probabilities of you being in an accident are statistically higher and this can make the insurance broker nervous. You’ll be able to improve your risk profile if you take some advanced courses and provide your certificates to your insurance agent.

3) Your age – again statistically teenagers and younger drivers are more prone to have crashes due to immaturity together with a scarcity of driving experience. Not all young drivers behave irresponsibly but they do end up paying the price of the others. All you can really do is show that you’re responsible and mature by not getting into any hassle and steering clear of collisions. Increase your no claims bonus is one way to reduce future premiums.

4) How you intend to use your bike? – If you are going to travel to work every day, you will pay higher fees than somebody who only uses it for casual outings at the weekend. The problem doesn’t always lie with the biker however with negligent car drivers who seem to assume bike owners are both invisible and invincible,if they run over you, you will walk away. Sadly as we all know this is not the case. Also where you park your motorbike can have an effect on your policy.

5) Your driving history will be taken into account as well as any collisions you had whereas driving a vehicle. Yes I know it is like comparing apples and oranges however the actuaries are looking for trends.

So now you know how they work out your premium , what other tricks will you utilize to reduce your fees?

You need to look around for quotes as they can vary significantly from one insurer to the next. You should to raise your deductibles. If they see that you’re ready to take on some of the risk, they will reward you with lower costs.

If possible strive to fit security devices to your motorbike to help prevent it being stolen i.e. alarms and immobilizers’. Park your bike in the garage and not on the drive. If you do not use the bike for work, you should qualify for a reduction as your mileage and thus your chance of being in a collision is reduced.

An alternative way to reduce your costs is to make sure you’re not over insured as some insurance policies such as your household or medical might provide overlapping cover. Cheap motorbike insurance is obtainable; you now know how to get it!

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