Some sobering statistics
The Insurance Institute reports that in 2013 over 4,668 riders and passengers were killed in collisions.
What’s more, riders and passengers were 26x more likely to die than drivers of automobiles and other vehicles.
And according to the National Highway Traffic Safety Administration (NHTSA) motorcycles are by their nature, far less crashworthy than closed vehicles. This is partly the result of being less visible to other drivers and pedestrians while also being less stable than four-wheel vehicles.
Motorcycle safety tips
Operating a motorcycle requires a different combination of physical and mental skills than those used in driving four-wheel vehicles. Motorcyclists and their passengers are more vulnerable to the hazards of weather and road conditions than drivers in closed vehicles.
The NHTSA reports that stopping a motorcycle is more complex than stopping a car.
Motorcycles have separate brakes for the front and rear wheels, and braking hard can lock the wheels and cause the bike to overturn. Not braking hard enough can put the rider into harm’s way. With ABS, a rider can brake fully without fear of locking up. The system automatically reduces brake pressure when a lockup is about to occur and increases it again after traction is restored.
The Insurance Institute for Highway Safety (IIHS) said in March 2010 that motorcycles with antilock brakes versus those without are 37 percent less likely to be in fatal crashes.
And older riders have more accidents.
In fact, older rider’s reaction time and vision problems have a direct correlation to the increase of accidents within this age group.
Ways to lower motorcycle insurance premiums
While concern about cost may be the first concern for the motorcycle insurance shopper, liability and theft coverage should be top on the list too.
When you are ready to compare pricing – start with this checklist:
- Basic Coverage: protecting your investment
- Liability for driver and passenger
- Bike replacement options
- Multi policy discounts
- Payment method discounts
- Experienced rider discounts
- Vehicle Safety features that save you money
Other factors that may affect your quote will be age of the rider and the zip code you live in. New York City, for example, has the highest rate of motorcycle theft in the US. If you live in this city you will pay more for insurance to cover theft.
Taking advantage of the safety discounts and getting a discount for vehicle safety features may be the easiest way to save money.
Training courses that can be taken by the driver will make you eligible for a discount, and ABS braking systems available on bikes will also qualify the driver for a discount.
Get a free policy review or insurance quote today
Save time and aggravation with a free, customized, quote comparison from qualified insurance providers. It only takes a couple of minutes so why not enjoy peace of mind by getting the coverage you need.
Get your FREE, no-obligation motorcycle insurance quotes today.
Or you can search through our list of auto insurance providers and find a local insurance agent who can help you get the coverage you need.
Either way the choice is yours…