It may 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 cut through the cool breeze and ride through the haze of lights.
Compared to cars, motorcycles are usually less expensive, but are more fuel efficient. These factors put many, including teens, among the four million motorcycle owners in the US Just like cars, insurance is required to ride 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 driving on the road, as well as against natural catastrophes. Motorcycle insurance offers almost the same coverage as car insurance, but the rates are different. The cost of motorcycle insurance is less than that of a car, since the magnitude of the damage that a motorcycle can cause is less than that of a car. For example, if you are in an accident with a car, the motorcycle is more likely to take most of the weight.
Statistics reveal that teen drivers are more frequently involved in accidents than older drivers. Teenage drivers appear to expose insurance companies to more risk. So, just like car insurance, motorcycle insurance for teens costs more. However, not all teens are treated equally when it comes to premium amount.
A number of factors come into play when calculating your teen motorcycle insurance rate. For example, when a parent includes a teenager on their policy, the cost of insurance is reduced. Also, when you drive an insured motorcycle, you get an extremely low rate, compared to driving your own motorcycle.
Insurance premium charges often take into account a teen’s attitude toward driving. Factors that affect the amount of the motorcycle insurance premium include the distance the teen travels to school or work, how often she rides the motorcycle, and how fast she drives. The price of the premium is substantially reduced if the teen has good driving habits, including wearing helmets every time they drive, not using smartphones while driving, as well as wearing additional safety accessories such as elbow and knee pads.
Motorcycle insurance spending is affected even by grades earned in school. Insurance companies believe 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 such habit is completing a recognized driver’s education, including a safety course, that educates the teen 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.
Taking all these factors into account, it is not difficult to come to more or less the same conclusion: doing things responsibly, including riding motorcycles, is rewarding.