subject: Factors That Influence A Honda Motorbike Insurance Policy [print this page] Did you know that Honda has been producing quality products since the 1940s? Engineering has always been the essence of the company, which results in its production of quality motorbikes-year after year. If you buy one of these outstanding motorbikes from Honda, you'll then need to take out a Honda motorbike insurance policy.
Here are some factors that can influence the cost of your premium:
1. The motorbike.
The particular motorbike that you insure will significantly influence how much your Honda motorbike insurance premiums will be. Size matters, as it will be costlier to insure larger motorcycle models than smaller ones. Also, the make of the motorcycle will also influence your premiums. Companies like Honda have been producing motorbikes for several decades, so in terms of factors such as general quality and safety features-they'll typically have an edge over other companies.
2. Driver's age.
While it's been said that 'age doesn't matter', never make that argument to a motorbike insurance underwriter! Of course, that's not to say that older drivers will be safer 100% of the time. However, statistics show that younger drivers tend to speed more, be in more motorbike accidents, and so on. So expect to pay higher premiums if you're under 30-years-old.
3. Driving record.
Your driving record can affect your insurance premiums, so try to keep it as clean as possible. If you have a clean driving record, then try to maintain that status. And if you have point(s) on your driving record, then drive as carefully as possible each time you rev up your motorbike.
4. Driving experience.
The amount of experience you have operating a motorbike will also impact how much your Honda motorbike insurance premiums are. Yes, it's important to learn the rules of the road. But there's also something to be said for knowing how to use your sixth sense effectively in certain situations. There's no substitute for experience!
5. Weekly driving mileage.
This is basically a numbers game. The more often you ride your motorbike, the more likely you'll be in an accident. As harsh as that statement sounds, it's how the 'system' works. So consider walking or taking public transportation more often, if you're interested in reducing your motorbike premium. While riding a motorbike is one of the most enjoyable experiences for many people, most of us also savour the chance to save money. And that's true whether you're well-to-do or counting every penny.
6. Garage location.
This is yet another factor that can influence your motorbike insurance premiums. If your garage is located in a 'seedy' area, statistics show that it's more likely to be stolen. While one option is to relocate to a safer neighbourhood, that isn't always an option. As an alternative, you could invest in various anti-theft devices. Such tools could help to lower your motorcycle insurance premiums.
If you need Honda motorbike insurance, you probably wouldn't mind finding rock-bottom premiums. Understanding these factors that influence the premiums will help you to find the best ones possible. While you can't change your age, you can certainly change other factors.
by: Tom Jones
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