How to choose motorcycle insurance for college students 2
These are the 6 main parts of a student motorcycle insurance policy:
1) Liability for personal property: covers damage or injury that could have caused another person’s property.
2) Bodily Injury: Protects you from bodily injury that could have caused someone else.
3) Collision: Covers any type of accident with another motorcycle or an object, such as a parking meter or a power pole.
4) Complete: Cover it in the event that someone steals your motorcycle or an item in it, or if the weather does damage to your motorcycle. It is best to obtain both types of motorcycle insurance protection for students.
5) Uninsured motorcyclist: covers for accidents with drivers who do not have motorcycle insurance. It also covers it for accidents and leaks.
6) Personal Injury Protection (PIP): this covers the cost of medical motorcyclee and lost work wages for the insured and injured passengers.
Keep good grades
Many insurance companies offer discounts for students who maintain an average of B or higher. Be sure to bring proof of your qualifications when applying for your motorcycle insurance.
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Even if you get a student discount, always ask for any discount offered by the insurance company. Most insurance companies offer a lot if you buy multiple insurance plans together, such as motorcycle and tenant insurance, and may even offer you a family discount if you sign up for the same insurance as your family members.
Buy the right motorcycle
Before getting student motorcycle insurance quotes, you must get a motorcycle suitable for you. Motorcycle insurance is usually based on a motorcycle’s likelihood of safety, so high-speed sports motorcycles and smaller motorcycles have a higher risk of damage. They are also more likely to be attacked by thieves, so you should buy a more practical motorcycle with good fuel efficiency and reliability rather than a motorcycle that costs more than the student’s total budget.
Walk or walk more, drive less
Even if you have a motorcycle, that doesn’t mean you have to use it every day. If you live on campus and are close to class, walk or cycle and save money on fuel. Some insurance companies grant you a low mileage geico motorcycle insurance deduction if you drive below a certain number of miles every year, so store your long distance motorcycle on the weekends.
Increase your deductible
If you increase your deductible, the amount you pay for a claim before your insurance company pays can save you 17% to 42% on your premium for student motorcycle insurance.