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You need to ensure you have motorcycle insurance before you drive off on your new motorcycle. If you’re concerned about this expense, you’ll be happy to know that motorcycle insurance is cheaper than auto insurance. But exactly how much is motorcycle insurance? The average cost of motorcycle insurance is $519 per year, which is around $43 per month. However, the amount you will pay can vary, based on many factors.

Do I Need Motorcycle Insurance?

Like auto insurance, motorcycle insurance is a requirement in almost all states. Only four—Florida, Montana, New Hampshire, and Washington—do not require it. In any case, it’s good to have, especially in the event of an accident.

Factors That Affect Motorcycle Insurance Rates

Several factors affect the cost of motorcycle insurance:
  • Location. Where you live affects rates. The average motorcycle insurance cost in Florida, for example, is around $15 per month. In Texas, it is $17.21 per month. In California, you can expect to pay $20.74 per month.
  • Type of motorcycle. A high-performance motorcycle with a big engine will cost more to insure than a smaller bike.
  • Riding experience. The more experience you have, the less you pay. That’s because older, more experienced riders get into fewer accidents.
  • Frequency. The more you ride, the more you pay. Your insurance company may base your rate on the number of miles you typically ride.
  • Traffic tickets. Speeding tickets and other citations on your record will increase your rates.
Now that you know how much motorcycle insurance is, you can budget for this expense and make sure you are well-protected in the event of an accident.

cheap motorcycle insuranceThe cost of liability motorcycle insurance can range from $100 to more than $400 per year for basic minimum insurance requirements. However, just like car insurance, cheap motorcycle insurance can vary tremendously depending on the coverage level you choose, the state you live in, and your personal driving record. On average, the cost of motorcycle insurance is less than that for cars, but the method of calculation is very similar.

Motorcycle insurance is required in 47 out of 50 states, but not every state requires the same amount of coverage. Each state has its own minimum requirements for bodily injury and property damage liability and if you add other coverage levels to your policy, you will pay more. Drivers above the age of 25 with a good driving record usually qualify for good prices. If you combine those factors with liability only coverage and a touring bike, motorcycle insurance will cost around $200 to $500 a year.motorcycle insurance

State laws are a primary influence on the price of your premium, as each state that requires motorcycle insurance has a different minimum requirement. That is for basic minimum insurance requirements, and if you add other coverage levels to your policy, you will pay more. Since motorcycles are considered inherently dangerous, collision and comprehensive coverage might not be a bad idea. You will also pay more if you live in an urban area, such as Los Angeles or Miami, than if you live in a suburban or rural community.

Variables For Motorcycle Insurance

 
Your State: Nearly every state requires motorcycle liability insurance, but the minimum limit is different from state to state. The costs of collision and other forms of motorcycle coverage vary by state as well.

Your Bike: The size, weight, and make of a bike can radically impact the cost of motorcycle insurance. Therefore, you might want to make your buying decisions based on how much it will cost in the long run. The make, model and year of your motorcycle will affect the cost of cheap motorcycle insurance 3insurance. A new bike will cost more to repair or replace than one that is five years old. How powerful an engine it has, and whether you’ve added a turbo kit and other enhancements, will also affect your insurance costs.

Your Driving: Your age and driving history are also taken into consideration with liability insurance. Statistics show that younger drivers are more likely to be in a serious accident, which means the cost of coverage is higher. Motorists with a history of collisions and traffic violations on their driving record will also pay more. If you have completed any motorcycle training courses, that can also help reduce your premiums.

Usage: If you use your bike on a daily basis to get to and from work, you are on the road a lot, and therefore your risk for an accident is higher. If you only take your motorcycle out on the weekends, you are not as likely to have any issues.cheap motorcycle insurance 2

Storage: If you keep your motorcycle stored in the garage rather than parking on the street, there is less opportunity for theft or damage. If you limit the amount of miles you ride on a monthly basis, your risk also goes down. Anything you can do to minimize the possibility of a motorcycle insurance claim will likely lower your premiums.

In conclusion, insurance companies will issue you a motorcycle insurance quote based on your age, county of residence, driving record, credit history, and other factors. They will also consider the type of bike you’ve purchased, where you will be riding it, and how often it will be on the road. When getting a quote for cheap motorcycle insurance, ask about ways to lower your premium. One way to do this is to try to pay the entire premium up front, rather than one month at a time. This normally qualifies you for at least a small discount. If you also drive a car, put your motorcycle on the same insurance policy as your other vehicles to take advantage of multi-policy discounts.
 
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Privacy Policy

Bucheli Insurance Agency, Inc. Privacy Policies and Practices (as of January 2020)

Revised January 2018Add Your Heading Text Here

Bucheli Insurance Agency, Inc. mission statement is to continuously provide our stakeholders who are 1) the customer, 2) the employees, 3) the insurance companies, and 4) the agency, the highest level of unexcelled, efficient customer service, to correctly identify our customer’s needs and provide insurance coverage of the greatest value at the lowest cost to meet those needs. To effectively market our supplier’s products, while continuing to strive positively, as one team, toward growth, community involvement, and increased profitability. As part of our procedure to conduct business we collect information about you:

Categories of Information Collected and Sources From Which We Collect It.

We collect nonpublic personal information about you from the following sources:

Persons From Whom Information is Collected.

We may collect nonpublic personal information from individuals other than those proposed for coverage.

Information We May Disclose to Third Parties:

We do not disclose information about you to third parties whose only use of the information is to market a product or service. However, in the course of our general business practices, we may disclose the information that we collect (as described above) about you or others without your permission to the following types of institutions for the reasons described below:

Your Right to Access and Amend Your Personal Information:

You have the right to request access to the personal information that we record about you. Your right includes the right to know the source of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within 2 years prior to your request. Your right includes the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections, amendments or deletions of any information that is in our possession. The procedures that you must follow to request access to or an amendment of your information are as follows:

To obtain access to your information:

You should submit a request in writing to: Legal Correspondence Bucheli Insurance Agency, Inc. 5690 Schaefer Ave. Suite B Chino, CA 91709 The request should include your name, address, social security number, telephone number, and the recorded information to which you would like access. The request should state whether you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will contact you (in writing) within 30 business days in response to your request.

To correct, amend, or delete any of your information:(other than endorsements to your insurance policy) You should submit a request in writing to:

Legal Correspondence Bucheli Insurance Agency, Inc. 5690 Schaefer Ave. Suite B Chino, CA 91709. The request should include your name, address, last four digits of your social security number, telephone number, the specific information in dispute, and the identity of the document or record that contains the disputed information. Upon receipt of your request, we will contact you within 30 business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have the opportunity to challenge.

Our practices regarding information confidentiality and security:

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Our Policy Regarding Dispute Resolution:

Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Right to Opt Out:

If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties or disclose to affiliates the Restricted Credit Information, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (Even if you opt-out, we may disclose information as allowed by law. This includes disclosing information to our affiliates to market other products or services to you). If you wish to opt out of disclosures to nonaffiliated third parties, you may do so by calling our toll free number, 1 (800) 486-1866.

Reservation of the Right to Disclose Information in Unforeseen Circumstances:

In connection with the potential sale or transfer of its interests, Bucheli Insurance Agency, Inc., and its affiliates (if any), reserve the right to sell or transfer your information (including but not limited to your name, address, age, sex, zip code, state and country of residency, and other information that you provide through other communications) to a third party entity that:

Use of A Customer's Email Address

Bucheli Insurance Agency, Inc. does not re-sale e-mail addresses that we collect. Addresses are used strictly for the purpose of communicating with our customers, and site visitors.

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If you have any questions or concerns pertaining to the privacy or security of your personal information, you can contact us at:
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