Type of motorcycle:  A super bike with a high performance engine will most likely cost more than a gentle touring lady bike.
Why? The reason for this is that super bikes are known to be more dangerous and their riders are also known to be people who like to take risks.
A lot of insurance providers will simply check the size and capacity of engine then decide how much to charge you as premium.
Your intended use of the bike:  If you reside in a state like Minnesota and you have it in mind to ride to your office year-round on your Harley, get yourself ready for a steeper premium.
Some insurance providers may decide to give you some relief if you purchase a "lay-up policy" in which case you decide not to be on the roads during the snow season in exchange for a reduced premium.
Storage of the motorcycle:  To a lot of people, this may be seen as easy.
On the other hand, if you just cover your bike with a blue tarp and keep it freely in the driveway for everyone passing by to see, then be sure and ready to pay more for coverage than when you are more careful by keeping it in a secure garage.
Your driving record:  This is pretty easy to understand.
If you have proven yourself by having a clean driving record, it is very possible that your insurance provider will reward you with a reduced premium.
Also, there are discounts and benefits given to graduates of safe-driving programs and members of motor bike associations.
Do you need good insurance for your motorcycle? Let us connect you with the agents on our network.
This will make it easier for you to compare different plans and their prices so you can choose your affordable motorcycle cover plan.
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