Too Young, Too Dangerous Means Higher Risks For Suzuki Motorbike Insurance
It has never been any easier than today to get your Suzuki motorbike insured
. Because the insurance industry is highly competitive, you can easily get the best rates in the market if you spend some time to do your research.
There are factors that you would need to remember when purchasing your insurance. The first thing, of course, is the premium cost. Do not think that the cheapest is the best when it comes to insuring your bike. Why would you fidget on your premiums when you're trying to insure a top of the line Suzuki motorbike anyway? What if you purchased your motorbike on credit terms, say 48 months, and after less than 6 months of use it was stolen? Without theft cover you still owe the unpaid balance for your bike, and worst, your bike is gone!
How do insurance companies determine the cost of your Suzuki motorbike insurance premium? Below are a few factors that can affect the cost of your premium:
1. Your Past Driving Record
If your past driving record is loaded with accident reports, then it's a red flag signal to the insurance company. Most insurers often do a background check to determine if you have some bad driving records in the past, and if you do, that means higher premiums for you, at least for the first years.
2. Your age
Don't think that just because you're driving a flashy Suzuki, insurers consider you capable enough to own one. Younger drivers below 25 years old usually have to pay higher premiums, because they are commonly considered high risk drivers. Data proves that younger drivers tend to be more aggressive on the road, which most insurers will interpret as 'dangerous'. Don't worry! Keep your driving record pristine, and your premiums will go lower as you mature, say after the age of 25.
3. Your Gender
Men are usually charged higher premiums than women. It's not a sexist thing, but just based on actual figures that females tend to drive more safely than males, and so make fewer claims on their policies.
With these factors in mind, you can very well make an assumption of what your premiums will be like. If you're worried that you'll end up paying premiums above your budget, there are smart ways to get the most affordable Suzuki motorbike insurance.
You can easily compare at least 3-5 companies by going to their individual web pages and asking for an online quote or by using the services of an comparison site. You are usually asked to fill up a form on these sites, and they'll match your requirements with the company that gives you the best deal.
Take your time before you purchase your policy, and compare companies based on the premium cost, cover, quality of service and speed in releasing your claims. Don't forget that getting Suzuki motorbike insurance is one way of protecting your assets - your top of the line bike and of course, your life!
by: Tom Jones
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