If you are looking for a new motorcycle insurance policy, then one of the first things you will need to do is compare policies from various insurance providers. Perhaps the easiest way to do this is online, and quotes on virtually all policies can be obtained instantly. But obtaining a quote can soon become a lengthy and confusing process if you are not armed with all of the information you need. Take a look below at four of the most important pieces of information you will need to gather in order to get a motorcycle insurance quote online.
Vehicle Identification Number
Just as your fingerprints are a unique identifier of you as an individual, a vehicle identification number (VIN) identifies a specific vehicle. All VINs are exactly seventeen characters long, and those on motorcycles can often be found on the headstock, under the throttle. It is also helpful to have the make, model, and year of your bike handy, as you're likely to be asked for this information as well.
The exact quote you will receive for a motorcycle insurance policy will depend in large part on your experience as a rider. As such, don't just estimate the number of months or years you have been on a bike. Instead, take your license out and use the date of issue when inputting your information online. This will ensure you receive the most accurate quotes possible.
Another factor that plays a big part in determining your policy quote is the number of miles you ride each year. Those who ride greater distances are judged to be statistically more likely to get in an accident, so finding a way to ride less is a reliable strategy for lowering your quote. Regardless, take a moment to calculate your commute and any regular weekend trips to arrive at a rough estimate that you can plug into an online quote generator.
Accidents and Accident Prevention Measures
Don't forget to input the dates of any accidents you may have been involved in, no matter if you were not at fault or not. The same holds for traffic violations, even if it's just a simple speeding ticket. Finally, it is worth it to include any defensive riding courses you have taken in the past. While frequent accidents and violations almost always serve to increase your policy rate, safety courses can lower it.
For more information about getting motorcycle insurance coverage, reach out to a local insurance company.