If you own a motorcycle, it’s crucial that you protect oneself with a motorcycle insurance. Motorcycles can be a great adventure…and also one of the more dangerous modes of transportation. Your policy should protect you from theft, accident, vandalism and other causes of loss.
Let us take the work out of it for you! When you call our Oaklyn office, you’ll be connected with an insurance professional who will review the existing coverage you have, and provide a custom motorcycle insurance quote that meets your needs. We’ll work with you to find an affordable rate that doesn’t require you to sacrifice coverage.
- Reduce the Stress: We offer safe riding and multi-product discounts with low rates and down payment options.
- Custom Coverage: Don't assume unnecessary risk. We'll help you build a plan that fits your lifestyle.
- Keep Riding: Be confident about your motorcycle coverage and ride legally while protecting your future.
There are a number of factors that are important to consider in your motorcycle insurance coverage:
How Often You Ride
Depending on how much you use your bike, you might pay more for your coverage. It stands to reason that bikers who travel a lot have higher accident risks. Therefore, the premiums might cost more.
The Bike's Value
More expensive motorcycles cost more to insure. After all, an insurer might have to pay more to repair or replace a very expensive bike.
Age
Generally, your rate decreases as you get older until you reach your 70s. Because teen riders pose the greatest risk for insurers, they'll typically pay higher motorcycle insurance rates.
Driving Record
Every driver must obey traffic safety laws. Those who don’t pose substantial safety risks not only to themselves, but also to others on the road. Bikers with histories of accidents or infractions will look riskier to insurers.
Where You Park & Get Your Bike
Certain areas have higher insurance risks for bikers than others. For example, urban areas usually have a lot more traffic and theft risks. As a result, bikers in these areas tend to pay more for their policies in these areas.
Security Accessories On Your Bike
The largest discounts are usually available for approved tracking devices and alarm / immobilizer. However, we would always recommend a combination of approaches when it comes to bike security, as opposed to relying on one method or product type.
DMV / Classes You've Taken
A motorcycle safety course is a common way of lowering your insurance rates. Beginner courses will help you improve basic skills that are often required for obtaining your motorcycle license.
