Canandaigua, New York
470 S Pearl St
Canandaigua, NY 14424
(585) 394-5544

What Factors Impact the Cost of Motorcycle Insurance? July 9, 2018

Canandaigua, Ontario
What Factors Impact the Cost of Motorcycle Insurance?, Canandaigua, New York

Motorcycle insurance is a must; in the event of a crash, a comprehensive policy covers medical costs for injuries as well as property damage. However, many don’t realize the factors that contribute to the expense of their plans. Canandaigua Insurance Agency in Canandaigua, NY, help motorists find the right products for their needs and lifestyles. To ensure you get a favorable deal, they explain what impacts rates and how to secure the best one when possible.

Driving Record

Your driving record significantly impacts insurance rates. Multiple offenses, like fender benders and traffic infractions, usually cause prices to rise. While it may take some time, following the rules and maintaining safe driving behaviors will improve your record and rates as a result.

Age

Companies tend to ask for higher premiums—or monthly payments—based on factors that put motorists at greater risk of an accident. Because younger drivers are inexperienced, providers tend to charge them more for insurance. While you can’t do anything about your age, some agents offer discounts to riders who’ve undergone safe driving courses.

Type of Motorcycle

Motorcycle InsuranceChoosing certain types of motorcycles is another way to manage rates. Bikes designed to reach top speeds tend to be associated with higher risk. Age also plays a role, as older bikes require greater upkeep and are more prone to breaking down.

How Often You Ride

Individuals who ride their bikes on occasion face less risk than someone who rides frequently. The cost of motorcycle insurance is typically higher for those who use it for their daily commute to work, as they stand a greater chance of being involved in an accident.

If you want a comprehensive and affordable motorcycle insurance policy in Ontario County, NY, turn to Canandaigua Insurance Agency. Their agents will review your needs and habits to determine the right plan for your budget. Call (585) 394-5544 today to schedule an appointment, or visit the website to learn more about their motorcycle insurance products.

Other Announcements, Events and Deals from Canandaigua Insurance Agency
A Guide to Preparing For a Natural Disaster, Canandaigua, New York
A thorough natural disaster preparation plan can protect your home and family against the ravages of several catastrophic events. While planning takes some foresight, time, and effor...read more
3 Myths About Life Insurance Debunked , Canandaigua, New York
Life insurance provides vital financial resources for your loved ones after death, providing you with comfort and peace of mind. While it might be one of the most impo...read more
How to Prepare Your Home for Winter, Canandaigua, New York
Harsh winds and heavy snow can cause substantial damage to your home that could result in a homeowner’s insurance claim. To avoid these issues, it's best to be prepared for the ...read more
5 Helpful Tips for Storing Your Vehicle Over the Winter, Canandaigua, New York
Many residents of the Northeast U.S. place their cars in storage during the winter. Some do it because they're leaving for warmer climates, while others are willing to brave the snow...read more
3 Reasons Why Auto Insurance Costs More for Certain Cars, Canandaigua, New York
Auto insurance costs more for some vehicles than it does for others. The reasons could span everything from the quality of the model, its safety features, and what it would take to f...read more