Motorcycle By The WaterEven though motorcycle insurance is a requirement, it doesn't have to break the bank. Knowing which factors affect motorcycle insurance premiums is the first step toward saving. While some factors are out of your control, plenty of other factors can be changed in order to help you save.
  • Driving record and age: A motorcyclist with a clean driving record is likely to pay less than one with multiple tickets and/or accidents on record. Similarly, young motorcyclists are viewed as riskier and are likely to pay more than more experienced riders.
  • Motorcycle make and model: Your bike's make and model help determine its value. A more expensive bike may cost more to insure due to higher repair costs.
  • Location: Motorcyclists who live or ride in high-crime areas and/or store their bike outdoors are likely to pay more for coverage than those who are located in safer areas and/or store their bike in a garage or shed.
  • Coverage options: While all motorcyclists are required to purchase liability coverage, you may wish to also purchase additional coverage such as collision, comprehensive and uninsured/underinsured motorist coverage (among other options).
  • Frequency of riding: Because more time on the road exposes you to more risk, year-round bikers may pay more for coverage than seasonal or weekend bikers.
  • Custom accessories: Covering add-on components will often be an additional cost since they add value to your bike.
  • Bundles: Creating a personal insurance bundle, including your motorcycle insurance, can save you money across the board.
  • Frequency of payments: You often must pay a processing free with each payment, so making fewer payments — annual or biannual as opposed to monthly — can save you money.
  • Discounts: There are various motorcycle insurance discounts available, but you may never know about them until you ask. Talk to your independent agent to find out if you're eligible.
We'll help you save today. Call Miller Insurance Agency at (409) 899-9531 for more information on Beaumont motorcycle insurance.
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