Global Courant
Driving can be fun, but riding a motorcycle is very exciting. Nothing beats the experience of cycling, especially at night, as you cut through the cool breeze and ride through the haze of lights.
Compared to cars, motorcycles are often cheaper but have higher fuel consumption. These factors put many, including teenagers, among the four million motorcycle owners in the US. Like cars, insurance is mandatory for driving motorcycles. No matter how sleek or fast a motorcycle is, it is prone to accidents. Indeed, unless proper precautions are taken, it can be very dangerous to operate motorcycles.
Motorcycle insurance aims to fully protect your motorcycle against accidents while driving on the road, but also against natural disasters. Motorcycle insurance offers almost the same coverage as car insurance, but the rates are different. The cost of motorcycle insurance is lower than that of a car because the extent of damage that a motorcycle can cause is less than that of a car. For example, if you get into an accident with a car, the motorcycle is more likely to take the brunt of the impact.
Statistics show that teenage drivers are more likely to be involved in accidents than older drivers. Apparently, teenage drivers expose insurance companies to more risk. So, just like car insurance, motorcycle insurance for teens costs more. However, not every teenager is treated equally with regard to the amount of the premium.
A number of factors come into play when calculating the rate of motorcycle insurance for teens. For example, if a parent includes a teenager in their policy, the insurance premium will be reduced. Moreover, when driving with an insured motorcycle, you receive an extremely low rate, compared to driving your own motorcycle.
Insurance premium costs usually take into account the teen’s attitude towards driving. Factors that influence the size of the motorcycle insurance premium include the distance the teen has traveled to school or workplace, how often he rides the motorcycle, and the speed at which he travels. The price of the premium drops significantly if the teen has good driving habits, including wearing a helmet while driving, not using smartphones while driving, plus using additional safety accessories such as elbow and knee pads.
In fact, the cost of motorcycle insurance is influenced by the grades achieved in school. Insurance companies believe that students who work hard to get better grades are more likely to be responsible while driving. Drivers who excel in their studies are entitled to substantial discounts on insurance premiums.
Many other habits can help improve a teen driver’s rating. One such practice is taking an accredited driving course, including a safety course, which teaches the teen the basics of safe and responsible driving. Another option to qualify for additional discounts is to take a defensive driving course.
Considering all these factors, it’s not hard to come to much the same conclusion: Doing things responsibly, including riding a motorcycle, pays off.
Motorcycle insurance for young drivers – How to get a cheaper policy
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