As with auto and boat
insurance, what type of
motorcycle you drive and
how safely you drive it are
important factors that affect
your Florida motorcycle
insurance cost. The most
important factors in
determining your policy
costs are listed below.
The factors of you:
Age
a young rider is more of a
risk than a middle aged
one
Riding Experience
a new rider is more at risk
than a seasoned one
Driving Record
how many tickets
Location
an urban area is more of a
risk than a county or rural
area.
Accident Record
same as above, it builds a
picture of your 'risk rating'
Occupation
a rock musician can be
expected to have a
different 'risk rating'
compared to a teacher
The factors of your
motorcycle:
1000cc racebike replica
would attract a higher risk
rating than a 250cc scooter
Modifications or Tuning
tells the insurance
company that this is not a
normal motorycle risk
Value
a motorcycle worth $20,000
will be more than one you
bought at a yard sale for
$200
Age of Bike
a 10 year old standard is
less risk than a new
sportbike
Location
safer if parked at night in
your garage, and therefore
less risk than if it's on the
street in a downtown area
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