by Administrator
21. July 2016 07:38
An appropriate insurance policy is a must if you want your motorcycle to be fully protected in case of an unfortunate accident. While buying a motorcycle insurance policy, it is important to keep a few things in mind so that you can save money. Some of these have been listed below:
- Size of your bike: The premium rates greatly depend on the make/model and engine capacity of the bike. A powerful engine can make the bike run at a very high speed, thereby increasing the risk of an accident. Therefore, you should try to buy a bike that is not too heavy and can be ridden rode safely. This is particularly true if you are going to buy a motorcycle for the first time. An easy-to-ride bike will help to bring down your insurance rates to a great extent.
- Take a safety driving course: Novice or teen riders are bound to pay more money for motorcycle insurance as they are more likely to get involved in accidents as compared to experienced riders. Getting trained and certified in motorcycle riding can help you save money on your insurance policy. In a motorcycle safety class, you will learn about driving the bike efficiently while also ensuring others’ safety on the road.
- Raise the deductible: Although increasing the deductible means you will have to shell out more money in case of an accident, it can significantly reduce your insurance premiums. However, you should raise your deductible only after evaluating your finances to see if it is an affordable option for you.
- Drive less: If you ride your bike on a daily basis, there is a higher probability that you will have to pay a higher insurance premium. Even if you have a safe driving record, being a frequent rider increases your risk of being involved in a road accident. In order to save money on motorcycle insurance, you may consider riding your bike occasionally and ask for discounts on low annual mileage.
- Store your bike safely: Installing an anti-theft device in your bike or parking it in a locked garage can bring down your insurance premium rates. Insurance companies charge less from riders who have a safer storage facility as this lowers the chances of the bike being stolen.
We, at Shawn Camp Insurance Agency, Inc., offer affordable motorcycle insurance policies in Killeen, TX. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.
