Driving a car can be fun, but riding a motorcycle is very exciting. There’s nothing quite like the experience of riding a bike, especially at night when you’re breaking the cool breeze and riding through the haze of lights.
Compared to cars, motorcycles are often less expensive but have higher fuel efficiency. These factors mean that many, including teenagers, are counted among the four million motorcycle owners in the United States. Just like with a car, driving a motorcycle is also subject to compulsory insurance. But no matter how sleek or fast a motorcycle is, it is accident prone. If proper precautions are not taken, motorcycle riding can be very dangerous.
Motorcycle insurance aims to fully protect your motorcycle from accidents while driving on the road as well as from natural disasters. Motorcycle insurance offers almost the same protection as car insurance, but the rates are different. Motorcycle insurance costs less than a car because the amount of damage a motorcycle can cause is less than what a car can cause. In an accident involving a car, for example, the motorcycle tends to bear the brunt.
Statistics show that young drivers are more likely to be involved in accidents than older drivers. Apparently, teenage drivers expose insurance companies to more risks. Similar to car insurance, motorcycle insurance for young people costs more. However, not every young person is treated equally in terms of the amount of the premium.
There are a number of factors that come into play when calculating youth motorcycle insurance rates. For example, if a parent puts a teenager on their policy, the insurance fee will be reduced. In addition, driving an insured motorcycle gives you an extremely low rate compared to driving your own motorcycle.
The amount of insurance premiums usually takes into account the young person’s attitude towards driving. Factors that affect motorcycle insurance premiums include the distance the teenager travels to school or work, how often they ride the motorcycle, and the speed at which they ride. The price of the bounty drops significantly if the teen adopts good driving habits, including wearing helmets while driving, not using smartphones while driving, and using additional safety accessories such as elbow and knee pads.
Motorcycle insurance costs are even influenced by school grades. Insurance companies believe that students who work hard to get better grades are likely to drive more responsibly. Drivers who excel in their studies are entitled to massive discounts on insurance premiums.
Many other habits can help improve a teenage driver’s rating. One such habit is to undertake recognized driver training, including a safety course that teaches the teenager the basics of safe and responsible driving. Another option that can qualify you for additional discounts is to complete a defense driving course.
Considering all of these factors, it’s not hard to come to roughly the same conclusion: doing something responsibly, including riding a motorcycle, pays off.
