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Motorcycle insurance for young drivers: how to get a cheaper policy

It can be nice to drive a car, but riding a motorcycle is very exciting. There is nothing better than the experience of riding a bike, especially at night, as you ride through the cool breeze and drive through the haze of lights.

Compared to cars, motorcycles tend to be less expensive, but have higher fuel efficiency. These factors put many, including teenagers, among the four million motorcycle owners in the United States. Like cars, insurance is mandatory for riding motorcycles. However, no matter how stylish or fast a motorcycle is, it is vulnerable to accidents.

Motorcycle insurance aims to fully protect your motorcycle against accidents while riding on the road, as well as against natural disasters. Motorcycle insurance offers almost the same coverage as car insurance, but the rates are different. The expense of motorcycle insurance is less than that of a car, since the extent of damage that a motorcycle can cause is less than that that a car can cause. For example, when you are in a car accident, the motorcycle is more likely to carry most of the weight.

Statistics reveal that teenage drivers are involved in accidents more frequently, compared to older drivers. Teen drivers appear to expose insurance companies to more risks. So, like car insurance, teen motorcycle insurance costs more. However, not all teens are treated the same when it comes to the amount of the premium.

Several factors come into play when calculating the teen motorcycle insurance rate. For example, when a parent includes a teenager on their policy, the insurance charge is reduced. Also, when riding an insured motorcycle, you get an extremely low fee, compared to riding the motorcycle itself.

Insurance premium charges often take into account the teen’s attitude toward driving. Factors that affect the amount of the motorcycle insurance premium include the distance the adolescent travels to school or work, how often he rides the motorcycle, and the speed at which he rides. The price of the premium is substantially reduced if the teenager has good driving habits, including wearing helmets when driving, not using smartphones while driving, as well as wearing additional safety accessories such as elbow pads and knee pads.

Motorcycle insurance spending is affected even by grades in school. Insurance companies are of the opinion that students who work hard for higher grades are likely to be more responsible while driving. Drivers who excel in their studies are entitled to massive discounts on insurance premiums.

Many other habits can help improve a teen driver’s rating. One of those habits is completing a recognized driver education, including a safety course, which educates the adolescent on the fundamentals of safe and responsible driving. One more option that allows you to qualify for additional discounts is to complete a defensive driving course.

With all these factors in mind, it’s not hard to come to roughly the same conclusion: doing things responsibly, including riding motorcycles, is rewarding.