Sports tourer bikes have their advantages. They are great to lean into around fast turns and they are great for a long distance ride across the countryside. However, the word 'sport' can be a dangerous word when it comes to looking for affordable sports tourer insurance for your motorcycle. The reason for this is simply because insurance companies want to avoid claims at all costs.
The insurance companies provide quotes based on statistics. The unfortunate side of it is that sports tourer motorcycles have a higher rate of being involved in accidents than many other bikes that are on the road. While a driver may be a safe driver with a clean driving record, their choice of bike could end up costing them more money.
Knowing what goes into a rate quote will impact the ability to get the lowest possible premiums. The first is the bike itself. There are many makes and models of sports tourers. Some have more safety and security features than others. It is these features that will make it more or less affordable to insure. When a driver is considering multiple bikes, it's best to find out the cost difference in insuring each one.
Another thing to consider is the past driving record. This doesn't account solely for past accidents. It also includes the length of time that a driver has had a full motorcycle license. Those who have had a full license for at least five years will be able to see a lower rate quote simply because they have proven themselves to be an experienced rider.
Advanced rider courses can be advantageous to enrol in. Particularly when a driving record isn't clear or a person doesn't have a lot of experience, this can prove to insurance companies that they have the experience behind the wheel to prevent any sort of accidents, thus not filing a claim and making it more affordable for an insurance company to insure a driver.
Comparing quotes is essential with sports tourer insurance. Not all companies will issue rate premiums the same. One company may look for a safe driving record while others will put a stronger emphasis on safety features. It's impossible to know who has the lowest rate for a person's individual situation without spending the time to do some comparisons.
Sports tourer insurance may be more expensive than a 125cc motorcycle, however comparing quotes will make it easier to save money.