Any driver who has had an accident or moving violation in the past three years can expect to pay more.
Moving violations including drugs and alcohol in the last ten years will result in a higher motorcycle insurance quote.
License problems, including suspension or revocation, also negatively affect motorcycle insurance quotes.
A motorcycle used for racing will be significantly more expensive to insure.
Guest passenger coverage is required in some states, and will cost more.
Stock motorcycles (versus custom bikes) and older bikes are generally cheaper to insure.
An engine smaller than 1000 cc is cheaper to insure than an engine over this size.
Anti-theft devices result in lower premiums.
Those with a clean driving record and many years of riding experience, qualify for a lower motorcycle insurance cost.
Some insurers offer discounts to members of clubs such as the American Motorcycle Association and the Harley Owners Group. If you are a member of a riding group, ask an insurer if you qualify for a cheaper rate.
Bikes insured under an existing car insurance policy or a policy with another bike qualify for a discount from most major insurers.
Shopping for motorcycle insurance:
Other factors that affect the cost of insurance are: whether the bike is used for business or pleasure, how many miles are driven monthly and where the motorcycle is kept when it’s not being used.
Get a free motorcycle insurance quote online from Geico, esurance and Progressive.
For more information, check out this online motorcycle insurance buyer’s guide.