It can be nice to drive a car, but riding a motorcycle is very exciting. There is nothing better than the experience of riding a bike, especially at night, as you ride through the cool breeze and ride through the haze of lights.
Compared to cars, motorcycles are usually less expensive, but have higher fuel efficiency. These factors cause many, including teenagers, to be included among the four million motorcycle owners in the US Like automobiles, insurance is required to ride motorcycles. However, no matter how sleek or fast a motorcycle is, it is vulnerable to accidents.
Motorcycle insurance aims to fully protect your motorcycle against accidents while driving 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 expense of motorcycle insurance is less than that of a car, since the magnitude of the damage that a motorcycle can cause is less than that that a car can cause. For example, if you are in an accident with a car, it is more likely that the motorcycle will carry most of the weight.
Statistics reveal that teen drivers are more often involved in accidents than older drivers. Apparently, teen drivers expose insurance companies to more risk. So just like car insurance, teen motorcycle insurance costs more. However, not all teenagers are treated to the same level when it comes to the amount of the premium.
A number of factors come into play when calculating the teen motorcycle insurance rate. For example, when a parent includes a teenager on their policy, the cost of insurance is reduced. Also, by riding an insured motorcycle, you get an extremely low rate, compared to driving your own motorcycle.
Insurance premium charges often take into account the teen’s attitude toward driving. Factors that affect the amount of the motorcycle insurance premium include the distance the teen has traveled to her school or place of employment, how often she rides the motorcycle, and the speed at which she rides. The price of the premium is substantially reduced if the teen has good driving habits, including wearing helmets every time they drive, not using smartphones while driving, as well as using additional safety accessories like elbow and knee pads.
The cost of motorcycle insurance is affected even by the grades obtained in school. Insurance companies are of the opinion that students who work hard for higher grades are likely to be more responsible while driving. Drivers who excel in their studies are entitled to massive discounts on insurance premiums.
Many other habits can help improve a teen driver’s score. One such habit is completing a recognized driver’s education, including a safety course, that 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 more or less the same conclusion: doing things responsibly, including riding motorcycles, is rewarding.