It can be fun to drive a car, but driving a motorcycle is very exciting. There is nothing better than the experience of riding a bike, especially at night, as you cut through the cool breeze and ride through the haze of lights.
Compared to cars, motorcycles are usually less expensive, but are more fuel efficient. These factors lead many, including teenagers, to be included among the four million motorcycle owners in the United States. Like cars, insurance is mandatory to drive motorcycles. However, no matter how sleek or fast a motorcycle is, it is vulnerable to accidents. Unless proper precautionary measures are taken, riding motorcycles can be very dangerous.
Motorcycle insurance aims to fully protect your motorcycle against accidents while riding on the road, as well as against natural disasters. Motorcycle insurance offers almost the same coverage as car insurance, but the rates are different. The cost of insurance for a motorcycle is less than for a car, since the amount of damage that a motorcycle can cause is less than that of a car. For example, if you are in an accident with a car, the motorcycle is more likely to bear the brunt of the impact.
Statistics reveal that teen drivers are involved in accidents more frequently than older drivers. It appears that teen drivers expose insurance companies to more risk. So, just like car insurance, motorcycle insurance for teens costs more. However, not all teens are treated equally when it comes to the amount of the premium.
Several factors come into play when calculating your teen motorcycle insurance rate. For example, when a parent includes a teenager on their policy, the insurance charge is reduced. Also, when you ride an insured motorcycle, you get an extremely low rate, compared to riding the motorcycle itself.
Insurance premium costs often take into account a teen’s attitude toward driving. Factors that affect the amount of the motorcycle insurance premium include the distance the teen travels to school or work, how often the teen rides the motorcycle, and how fast she drives. The price of the premium is substantially reduced if the teen has good driving habits, including wearing a helmet while driving, not using smartphones while driving, and using additional safety accessories such as elbow and knee pads.
Motorcycle insurance spending is affected even by grades earned in school. Insurance companies believe that students who work hard for higher grades are likely to drive more responsibly. Drivers who excel in their studies are entitled to deep discounts on insurance premiums.
Many other habits can help improve a teen driver’s rating. One such habit is completing a recognized driver’s education, including a safety course, which educates the teen on the fundamentals of safe and responsible driving. One more option that allows you to qualify for additional discounts is to complete a defensive driving course.
Taking all of these factors into account, it’s not hard to come to roughly the same conclusion: doing things responsibly, including riding motorcycles, is rewarding.
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