Motorcycle Insurance

Should I Compare Motorcycle Insurance Rates?

Taking a few minutes to compare motorcycle insurance quotes can lead to several hundred dollars a year in savings! Many times the same or similar policy can vary significantly in price from one insurer to another. In fact, one of the fastest ways to overpay on your motorcycle insurance is to simply let your policy auto-renew.

What Factors Influence Motorcycle Insurance Rates?

There are several factors that insurance companies will consider when determining how much to charge you for coverage. These variables include:

  • Your location. State and even city where you live can affect how much you will pay since insurers will consider the claims history for your neighborhood to determine the level of risk.
  • Your age. Auto insurance premiums will vary significantly depending on how old you are. Teens and those in their early twenties can expect to pay the most for their motorcycle insurance.
  • Your driving record and claims history. If you have multiple traffic violations on your driving record and/or several auto insurance claims against you, then you can expect that your premiums will be higher.
  • Your deductible. The general rule of thumb is that the higher your deductible, the lower your motorcycle insurance policy will be.

What Kind of Motorcycle Insurance Coverage Do You Need?

Before you start comparing motorcycle insurance policies, you need to figure out how much insurance you really need. There are several plans to choose from, including:

  • Liability insurance. Most states require motorcyclists to purchase liability coverage. If you are involved in an accident and it’s deemed your fault, then this policy covers any damage to other individuals and their property.
  • Comprehensive and collision insurance. This policy covers any repairs or the replacement of your motorcycle in the event of an accident or in the case of theft.
  • Motorcycle accessory insurance. Usually, comprehensive and collision insurance will not cover repairs or replacements for expensive motorcycle accessories, luggage racks or specialized windshields.

At, we work with the most reliable motorcycle insurance companies to help you find the best policies to suit your needs and budget.  Our free insurance comparison tool is easy to use, and takes just a few minutes to complete. So what are you waiting for? Compare Motorcycle Insurance quotes and start saving today!

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