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When it comes to buying a motorbike insurance policy it is important that you get the best value for your money. Keep in mind that a cheap policy may not provide adequate coverage. Below are some tips that can help you save money on your motorcycle insurance. Read on to find out more.
choose a less expensive bike
Older or smaller bikes don’t use as much power as they do with smaller engines. As a result, your insurance policy will also become cheaper. In fact, most motorbikes are easy to maintain and replace. Apart from this, small vehicles do not cause much injury or damage in the accident. On the other hand, this may not be the case with classic or expensive bikes.
Avoid Modified Motorbike
If you have a modified bike then your premium will put more burden on your wallet. The reason is that these modifications can make it more expensive to repair or replace your bike. Also, these bikes are easy for thieves to steal.
Moreover, imported vehicles are also more expensive when it comes to insurance. Hence, it is better to avoid buying unusual or modified vehicles if you want to be safe.
limit your mileage
If you ride your motorcycle a lot, you will have to pay higher insurance premiums. The reason is that you will not have to go to your insurer to get money for the repairs. Therefore, it is a good idea to limit your mileage.
pay annually
You can save a lot of money if you choose to pay your insurance premium in one instalment. The reason is that this way you will avoid paying interest.
Improve the safety of your motorbike
By improving the safety of your motorcycle, you can save a lot of money on your insurance policy. Therefore, you may want to equip your vehicle with an immobilizer and alarm to keep thieves away. Apart from this, you can also install trackers. This will help you get your bike back if someone steals it.
Although this will cost you money, the money saved on your insurance policy will more than make up for it.
park in a safe place
You may want to keep your bike in a safe place like your shed or garage. This way your vehicle will be much safer.
Mention the main rider of your motorcycle
If you have an inexperienced or young rider on your insurance policy, you may have to pay a higher insurance premium. On the other hand, an experienced rider will have to pay a lower premium.
So, what you need to do is clearly state the primary rider of your motorcycle. And if you don’t follow this tip, it will be taken as a kind of insurance fraud which will result in rejection of your claims.
In short, these are some of the tips that you can follow if you are going to buy a motorcycle insurance policy. Hopefully with these tips you can buy an affordable insurance policy.
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