Having insurance is one of the most important parts of owning a motorbike. However, with all teens who just got their motorbike license having a lack of experience on the road, they usually face higher premiums than any other age group. Luckily, there are some things you can do to get just the deal you’re looking for. If you just got your first motorbike and it’s time for you to get insurance, you might find the following five tips quite useful.
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Choose the right motorbike
Your motorbike insurance depends on a lot of things and the type of motorbike you have is one of them. Motorbikes that are smaller or older usually have less powerful engines, which makes insuring them less expensive. With this being your first motorbike ever, there’s no reason why you shouldn’t opt for one with a smaller engine. In fact, it’s a perfect type for beginners to improve their riding skills. Motorbikes that fall under this category are also less expensive to repair in case they get damaged, which also impacts your insurance. Just have in mind that this doesn’t apply to rare and classic motorbikes.
Give all the information
Insurers take a lot of things into account when choosing who gets what type of insurance. The way you plan to use your motorbike is one of them and the best thing you can do is provide them with as much information as you can. For example, if you plan to use your motorbike to drive to school, make sure your insurer is aware of it. It may feel like holding onto things like that is a good idea but if the insurer finds out you’ve given them the wrong information, chances are you won’t be able to get the deal you want.
Know your options
This one may seem a bit obvious but you’d be surprised by how many people just turn to their local insurer without doing any research. This is especially the case with teenagers who just got into motorbikes and got their licenses. We now live in the age of the internet and you can find any information you want. This means you can do some research and find better motorbike insurance than you thought you can get. Once you do some online research it’s time to pick up a phone and call all insurers near you just to check if all the information you found online is accurate.
Improve your motorbike’s security
Protecting your motorbike from theft is another great way to make sure you get a good deal on your insurance. When there’s an alarm installed on your motorbike, the chances of it getting stolen are way lower, meaning that you might be able to get a better deal. Another good idea is to install a GPS tracker just in case someone comes up with a way to steal it. These upgrades may require you to spend money but when you think about it, you’ll be saving a big portion of it on your insurance. Plus, you won’t have to bother with making a claim for theft or risk losing the motorbike you love so much.
See if you can insure it in season
Many teenagers don’t ride their motorbikes during winter. It’s just that they don’t find winter weather conditions safe enough for them to be on the road until they gain more experience. If you plan to do the same and keep your motorbike in the garage during the winter, there’s no point in insuring it until spring. Although you won’t always be able to insure your motorbike in season, it’s a good idea to check whether that’s an option. Do some research and see if you can get that type of deal. If so, make sure you crunch the numbers and check whether opting for it makes sense.
Just because your motorbike journey is just beginning, it doesn’t mean you should opt for just any motorbike insurance you can get. Follow the tips we listed in this post and you can be assured you’ll manage to find just the right deal for you. Once you do that, it’s time to start working on your riding skills and keeping a good riding record.