Factors Influencing Insurance Premiums:
- Age and Riding Experience: Younger or less experienced riders often face higher premiums due to increased risk factors.
- Location: Urban areas with higher traffic density and theft rates can lead to increased insurance costs.
- Driving Record: A clean driving history can result in lower premiums, while past violations or accidents may increase costs.
- Type of Coverage: Comprehensive coverage, which includes protection against theft, vandalism, and natural disasters, will cost more than liability-only policies.
- Deductible Amount: Choosing a higher deductible can lower your premium, but it means you’ll pay more out-of-pocket in the event of a claim.
Tips to Potentially Lower Your Premium:
- Shop Around: Compare quotes from multiple insurance providers to find the best rate for your situation.
- Maintain a Clean Driving Record: Avoid traffic violations and accidents to keep your premiums lower.
- Consider Bundling Policies: Some insurers offer discounts if you bundle your motorcycle insurance with other policies, such as auto or home insurance.
- Inquire About Discounts: Ask about available discounts for safety courses, anti-theft devices, or being a member of motorcycle associations.
 54, Male, Married, Windsor, CO |
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| Year/Make Model: 2013 Harley Davidson FLHX Street Glide |
| Ownership Status: 26 Years Riding Experience |
| Discounts: Paid in Full, Anti-Lock Brakes, Homeowner, Responsible Driver, Claim Free Renewal, Motorcycle Endorsement, & Prompt Payment |
| Selected Coverages With Carrier: Progressive |
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| Bodily Injury Liability: $25,000 / $50,000 |
| Property Damage Liability: $15,000 |
| Uninsured Motorist Bodily Injury: No Coverage Comprehensive: No Coverage Collision: No Coverage |
| Other Rejected Coverages: Uninsured Motorist, Comprehensive, Collision, Enhanced Injury Protection, Carried Contents, Accessory Coverage, & Roadside Assistance |
Total 6 Month Premium: $78.00
Monthly Installments: Paid in Full
This Sample quote above shows a motorcycle quote in Colorado with Progressive. The client did choose to add Medical Payments to the policy as well. With the multiple discounts, paying in full, and this being the only vehicle on the policy, they paid a total of $78 for a 6 month premium. The client did also choose Colorado’s minimum requirement for liability on a motorcycle policy. If the client would have increased liability limits or added more coverages then the price quoted would have been increased.
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