Unbiased Motorcycle Insurance Company Reviews

Comparing Motorcycle insurance quotes from top companies online is a great way to find the cheapest insurance rates. After all, why ride all around town when you can get Motorcycle insurance quotes online? The more quotes you get, the more chances you have to save and ride. Get started now!

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Recommended Motorcycle Insurance For An 18 Year Old Rider

Recommended Motorcycle Insurance For An 18 Year Old Rider

If you are 18 years old and are looking to insure your motorcycle, there are plenty of companies that will help you find a great policy. However, not all companies are going to offer great deals. When looking for a company to buy your insurance through, you need to make sure that you consider some important factors. Some things you will need to consider include: cost, coverage, and company reputation. Fortunately the process of getting a policy isn’t too difficult for most people. However, getting a policy at a rate that you can afford may involve some work for an 18 year old rider.

Recommended Motorcycle Insurance for an 18 Year Old

Below are some recommendations to help you save money and get a good policy as an 18 year old. Things you’ll want to keep in mind include: the type of policy you get, the discounts you are offered, as well as how high your deductible should be.  If you need more information about a certain company, feel free to look around the site and check out the company reviews and FAQ section.

Get Basic Coverage

Since at the age of eighteen you are a relatively new rider, you probably won’t want to max out your coverage.

Liability-Only: In many states, all you need to ride is a basic liability policy. If you have a cheap bike or don’t want to pay for comprehensive and collision coverage, you can settle for the basic liability insurance. This will be significantly cheaper than getting full coverage.

Standard coverage: You can also get a standard amount of coverage that includes the state requirements as well as collision insurance. If you want to save yourself as much money as possible though, it is recommended to get a basic policy.

Note: If you drive an expensive sports bike, then you may want to increase your coverage to something a bit more comprehensive. However, for most 18 year olds, getting basic liability or standard protection will be the best way to save.

Apply for Discounts

There are many discounts that you may qualify for even as a young rider. Do everything in your power to get as many discounts as your insurer allows. If you are in the military, check and see if they offer military discounts. If you have done well in school, see if they offer a good grades discount. Perhaps the most common discount is that which can be obtained by taking a motorcycle safety course – nearly every company will give you extra savings.

Take a Higher Deductible

If you want to save yourself money, your goal should be to take a pretty high deductible. Take as high of a deductible as you can afford and you should get lower premiums. In case you don’t know what a deductible is, it’s the amount paid before an insurance company will process your claim. This shows your insurer that you have faith in your own driving skills and will be held financially responsible up to a specific amount if a claim needs to be processed. Assuming you don’t have to file many claims, you should save yourself a good amount of money.

Before you get an insurance policy

Many kids your age end up getting insurance under their parents policy before they venture out and get their own. It is important to consider talking to your parents before you obtain your own coverage. Even if you do not want to be covered by their same provider, they may be able to give you some good recommendations and/or buying tips. If your mom or dad owns a motorcycle, you may want to ask them the type of coverage that they think is best for yours – this will give you a little outside perspective.

Finding Motorcycle Insurance Companies as an 18 Year Old

Regardless of the fact that you are still young, you are considered an adult throughout the United States. It is as this age that most people become independent and get their own insurance. In order to find the best possible insurance rates for you as a young rider, you will want to comparison shop. To help make things as simple as possible, just enter your Zip Code into the box below (or one of the boxes around this website). This will then take you to a list of the top ranked companies based on your location. All you will have to do from there is compare quotes and find out which company policy best suits your needs.

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