Top Ten Tips To Lower Your Bike Insurance

So you want to save a bit of money of that motorbike. There are many ways to do this, but here are at least ten different tips to save you some money. The types of coverage should be examined carefully.

1. If the motorcycle is not worth a lot of money consider different options. A Third Party Only will cover any damage to another person and/or their property. Comprehensive coverage will pay for damages no matter who is at fault. For a claim on damage and theft, a compulsory excess is usually paid up front. But a voluntary excess can also be added to decrease the premium. You will still owe the total amount for each however.

2. A no claim discount can be applied if you don't make a claim for one year's time.

3. When travelling abroad, a variety of insurers include a 90 window when riding in European countries. A green card is no longer necessary, but it is important to inform the agency about your travel plans.

4. You must inform the insurance agency about any modification intended for the policy to avoid any problems with a claim.

5. Many insurance providers will offer a discount of as much as 10% upon satisfactory completion of a safety course.

6. Another item to obtain is an alarm system and/or immobilizer which both serve to deter theft, and may save you almost 10% on your premium.

7. A few additional extra items that you may want to consider are coverage for accidents and breakdowns. These will cost more up front on the policy, but in the long run may be worth the purchase price as they can provide the necessary compensation in the event that one of these occurrences actually happens.

8. For drivers who don't put a lot of miles on their motorcycles (i.e. less than 3,000), a number of agencies are also offering up to 10% off the premium. Of course, you must be upfront and honest with the providers, as a misleading statement can cost you plenty in the future.

9. Another discount can be obtained if the bike is stored in a garage (under cover), with the owner receiving anywhere from a 5 to 10% discount.

Finally, the best way to obtain insurance for your motorcycle is through a provider who specialises in this sort of vehicle. They understand the joy of riding the open road as well as the risk involved when doing so. This can mean a great deal when calculating the premium for a policy. Don't underestimate the importance of finding somebody who is knowledgeable in this area when looking for a new policy.

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