Gainesville, GA residents who drive motorcycles are required to insure their bikes by law, with a minimum of $25,000 to cover bodily injury per person and $50,000 total for injury or death. 

A number of factors can affect how much you are charged, including where you live. Drivers in states with longer winters and shorter riding seasons may pay decreased rates, as they will typically have less occasion to be involved in accidents. Age plays a significant role in your premiums, as younger riders are considered to be at a greater risk on the road. Costs will continue to decline until a rider reaches seventy years of age. 

Experience also plays an important role, one reason teenagers are expensive to insure. What this also means, however, is that an older driver who is just beginning may pay more than someone younger who has ridden longer. 

Your riding habits matter, too. If you’re using your motorcycle recreationally on the weekends, it won’t set you back as much as when you ride to and from work every day. If you’ve been ticketed for speeding, whether on your bike or in your car, this can trigger higher rates, although these violations can fall off your record after three years. 

Your accident history is important as well, though it will make a difference as to whether the incident was your fault or someone else’s. Also of consideration is the type of vehicle you are purchasing, its engine size, and whether it is high performance. 

Chastain Agency Inc. Can Help You

At Chastain Agency Inc. we work hard to find the insurance package that will best meet your needs, and we serve those living in the Gainesville, GA area. We encourage you to reach out to us with any questions you may have, and we look forward to hearing from you!