.: 20 Tips for Cheaper Insurance

Here's a list of tips to use when shopping for inexpensive motorcycle insurance:

1) Keep your bike locked in a garage at night

2) Take care to make your driving record as clean as possible.

3) If purchasing a bike, consider a slightly older model.

4) Understand basic types of motorcycle insurance, and discard any coverage that's not needed.

5) Obtain quotes from multiple insurance providers.

6) Consider paying a higher excess for a lower premium.

7) Take advantage of price comparison sites to get an accurate sense of cost ranges.

8) Consider taking additional riding courses or applying for owners clubs.

9) Avoid “too good to be true” insurance offers, many of which are laced with hidden fees and other disadvantages.

10) Work with an insurance agent or broker who's willing to help advise on how to file claims and complete paperwork.

11) Periodically shop for lower prices especially if you've been riding for a while without any accidents or other claims.

12) Purchase an anti-theft device and look for insurance companies that take such devices into account for quotes.

13) Bring any quotes found online to in-person meetings with local agents or brokers.

14) Consider extending policy terms; a year-long contract is likely to be less expensive than a rolling monthly arrangement.

15) Closely examine your typical mileage to provide an accurate estimate. Q5

16) Opt to pay electronically. Some agencies offer discounts for swift online payments.

17) Pay by debit card (some insurers charge a fee for credit card.

18) Consider combined policies such as those that cover both car and motorcycle use in a single package.

20) Look for agencies that favor out-of-town locations if the bike to be insured is kept primarily in the countryside.

20) Pay in full. Most insurers charge a high rate of interest for pay monthly arrangements. Consider a loan or credit card if you do not have the cash to hand If you can find better interest rates.