Why is motorcycle insurance 便宜的?
Before getting a one-size-fits-all motorcycle insurance policy, 花一点额外的时间来确保你得到的覆盖是最适合你的自行车和你的需要.
While inexpensive, or 便宜的 motorcycle insurance might sound great in the moment, in the long run, it also might be a regrettable decision. Like car insurance, 了解可能决定您的摩托车pp王者电子官网单和可用pp王者电子官网范围的因素是很重要的.
How are motorcycle premiums determined?
Similar to 车辆 insurance, 摩托车的pp王者电子官网费用是由年份和型号决定的, safety features, the owner’s information and experience. 此外,免赔额和选择的额外pp王者电子官网范围有助于确定成本.
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- Motorcycle classifications – Some insurance companies, such as 状态 Farm®, 根据综合pp王者电子官网的成本,使用索赔数据将摩托车分为不同的类别, collision insurance and liability insurance. Take a look at the motorcycle rating 你已经拥有的或者你正在考虑的自行车,看看这个评级如何影响保费. Motorcycle types include:
- Sport motorcycles – 很容易识别有一个圆滑的整流罩和挡风玻璃更好的空气动力学, 这种款式的摩托车具有加速性能, 速度, braking and cornering in mind.
- Cruiser motorcycles – 巡洋舰自行车有一个较低的座位,可以骑着它在城里转, commuting or taking it out for a road trip more comfortable. 也, 这种风格的摩托车有可用的选项,使携带行李更容易为那些长途旅行.
- Touring motorcycles – 旅行摩托车比巡洋舰摩托车更适合公路旅行. Just like a cruisers, 旅行摩托车通常有行李选择,当你旅行到更远的目的地.
- Motorcycle location – W在这里 you live could impact 你的 insurance rates. 其中一个原因是因为每个州关于骑摩托车的法律不同,以及他们需要如何投保. 每个地点的保费是由事故率、摩托车盗窃案等因素决定的.
- New versus used motorcycle – 摩托车的使用年限可能会影响它的价格,也会影响你对它进行的任何定制.
- Is 你的 motorcycle financed? If you financed 你的 motorcycle through a bank, 你的贷款人可能会要求你对你的摩托车进行全面的碰撞pp王者电子官网. If you own the bike outright, 你可能要考虑责任pp王者电子官网,这取决于你住的州和更换摩托车的费用.
- Rider’s age – 就像你的汽车pp王者电子官网一样,你的年龄也会影响你的摩托车pp王者电子官网费. 18岁的摩托车车手的pp王者电子官网费用往往更高,因为他们的经验较少.
- 安全 classes – 如果你参加过摩托车安全课程,一些pp王者电子官网公司可能会给你折扣.
- Previous tickets and accidents – 你的驾驶记录,无论是汽车还是摩托车,都会影响价格.
What are additional coverages that can affect price?
Beyond liability, t在这里 are additional types of motorcycle coverage you can purchase that would increase 你的 cost. For example:
- Comprehensive and collision – W在这里 liability pays for the damage to another 车辆, comprehensive and collision coverage pays for damage to 你的 motorcycle from a covered loss.
- 碰撞pp王者电子官网包括撞到或被另一辆车或另一个物体撞到, or if 你的 bike overturns.
- 当你的摩托车被偷或损坏时,全面的pp王者电子官网适用于碰撞以外的事情. For example: fires, floods or vandalism.
- Uninsured/underinsured motorist (UM/UIM) – 当你被没有pp王者电子官网或没有足够pp王者电子官网的人撞到时,可以保护你.
- Protective gear coverage – If you have riding gear, such as a 头盔, gloves or jacket, 这种类型的pp王者电子官网将在发生事故或盗窃的情况下赔偿他们的损失. 这包括在州立农场全面pp王者电子官网和碰撞pp王者电子官网.
- Roadside assistance – Similar to roadside assistance for cars,如果你需要拖车或启动没电的电池,这个覆盖范围将提供帮助. This is included at 状态 Farm with comprehensive coverage.
With a variety of factors impacting 你的 insurance rates, 研究和了解你的摩托车pp王者电子官网政策是很重要的. 你的 状态 Farm agent 我能告诉你pp王者电子官网的内容,包括哪些内容以及可能的折扣吗.