Bike insurance vs Car insurance
Motorcycle insurance is usually very expensive. The main reason is, because the accidents are a lot more frequent than those with cars. Moreover, these accidents are extremely dangerous for the motorcyclist and the passenger. This is why it's so important to be sure that you wear full equipment – helmet, jacket, gloves, pants, boots, jersey and armor, when you ride your bike.
Remember, the insurance won't protect you from accidents, but it will help you in such a situation.
The insurance for a motorcycle typically depends on the power of the bike, the age of the driver and most importantly, his record – for example, if you are 18 years old with couple of accidents and new sports bike, the insurance will cost significantly more than if you are 30 years old with clean record and less powerful motorcycle.
There are also several ways to shave even more off of your policy – if you have two or more bikes and insure them in one company, you'll get an abatement. You can also complete some sort of safety course, so you'll be prepared in case of emergency. With an advanced riding course you could save 10% with Carole Nash for example. Another option is to insure your car in the same company; this will save you money, too. You can also minimize the driving of your bike and use it only in the weekends for fun. So, if you don't drive a motorcycle every day to work, this will save you money from your policy.
Still, the overall bike insurance insurance coverage is less for an average motorcycle, instead of an average car, but many companies require a higher amount of liability and hospitalization coverage. This adds a lot to your insurance, because the bike riders are much more vulnerable to injuries in case of accident than the car drivers. So, it is very smart to purchase a higher level of liability and hospitalization insurance just to make sure that you'll get proper care and treatment, if something wrong happens.
However, in the end you'll just need to find the best insurance that will cover your personal needs – how often do you drive, where you live and what are the insurance laws in your state. Those are only several things to take into consideration, before you buy your insurance policy.
Do not hurry and get as many quotes as possible and choose among the best of them. Remember, the bigger companies offer more bonuses and possibilities to save money.