Categories
Uncategorized

Motorcycle Insurance Rates – How To Reduce Your Costs

Many people have chosen motorcycles instead of automobiles for transportation. Although these vehicles can be fun to ride and economical to maintain, there are important factors to consider when driving them. Explore tips and strategies for staying safe if you choose to ride one.

Injury and Fatality Data

Only about two percent of the total number of registered vehicles in the United States are motorcycles. However, these vehicles represent about five percent of all highway fatalities that occur each year in this country. The disparity between these two percentages illustrates the high number of people killed when they choose this type of transportation. In a motorcycle accident, about 80 percent of the time, the rider is either injured or killed. With an automobile accident, occupants of the car are only injured or killed about 20 percent of the time.

Comparison of Vehicles

The reason for the high number of incidences resulting in both injury and death with motorcycles is mainly due to the lack of protection. With a car, people have the heavy structure of the vehicle around them. The roof and door beams protect in the event of a rollover or impact. Automobile restraints and airbags also offer important protection from injury and death in accidents. Cars are also much heavier and bulkier. The stability of four wheels is a vast improvement over two wheels. It’s also more difficult to see motorcycles on the road due to their smaller size. This difficulty means that sometimes other drivers simply don’t see a motorcycle, which can contribute to serious accidents.

Agility Factor

While these vehicles do have some serious safety issues, there are some positive factors. A person riding a motorcycle has better maneuverability and agility on the road. This driver can often stop faster and swerve to avoid obstacles. While these are important benefits, they do not completely offset the negative safety issues.

Staying Safe

– Before choosing this two-wheeled form of transportation, a rider should take and complete a training course that teaches skills and safety. At the end of the course, the student should pass a test to certify the skills.  cap lai bang lai xe

– When riding, it is best to remain constantly vigilant for dangers. Defensive driving is an important tactic. Try to anticipate what other drivers may do. Along with staying alert, assume that other drivers will not see you.

– Use extreme caution at intersections. Intersections present serious dangers, and they are the location where most accidents occur for motorcycles.

– Remaining visible is one of the most important goals. Never ride in another vehicle’s blind spot.

– Avoid riding in inclement weather due to obstacles and slippery surfaces. A lack of windshield wipers can reduce your ability to see.

– Ride with a helmet, eye protection, and appropriate clothing. Long pants, a jacket, and gloves can help reduce the severity of injuries.

– Never ride when under the influence of alcohol or drugs.

You have to consider many things before you go for the insurance of your motorcycle. One of the most important steps is comparing the insurance quotes from the Internet. However, this is not enough and you have to consider the four essential things, which will help you get best quotes. They are as follows:

1. The type of motorcycle you ride, as it will have lot of impact on the amount you will have to pay for your insurance. Often the size of the engine determines the premium amount and also determines the total cost of insurance. All the expensive bikes with the latest facilities cost more, thus their insurance amount is more.

2. The driving record is another important factor, which has lot of impact on the insurance. If you have experience and a clear driving record then you have to pay fewer amounts, as the chances of accidents decrease. At the same time, if you are a teenager and this is your first bike, then the chances of accidents increases, thus you have to pay comparatively more amount. If you have good motorcycle training and proper training course, then you pay fewer premiums.

3. Another important factor is the place you store your bike. If you park your motorcycle in a place, where no one can steal your bike and it as special anti-thefts devices, then you will get cheap motorcycle insurances. Therefore, if you inform the insurance that you keep your motorcycle in a locked garage and that you have installed all the necessary devices that will ensure that no one can steal your motorcycle then insurance rates will reduce.

Leave a Reply

Your email address will not be published. Required fields are marked *