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.
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.
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
Choosing 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.