If you’re in the process of trying to find cheap life insurance motorcycle rider rates may be a concern for you. Let me be the first to tell you, you’re not alone.
But the good news is, you’ll see little to no push back when you apply, and you’re eligible for some of the best premiums for life insurance.
Life insurance for motorcycle riders is primarily of little concern, yet there is a short list of companies you don’t want to apply with, the same goes with those who have health issues, such as diabetes, we can guide you in the right direction of which companies to steer clear of, we are here to help! We can even help you find insurance companies who offer up to one million dollar no exam life insurance policies.
Just because you ride a motorcycle life insurance doesn’t have to be more expensive.
Life Insurance Motorcycle Rider And ATV Rider
If you’ve ever had a scare while riding your motorcycle life insurance may have come across your mind, just in case. If you asked your fellow riders about life insurance, they may or may not have the most accurate answers for you, so we’ll give you the ins and outs. In a nut shell, as long as you’re a smart rider, you’re good to go.
There are a few things you can do to limit the possibility of higher premiums for life insurance.
- Avoid Speeding Tickets
- Abide By Helmet Laws
- Don’t Drink And Ride
Whether you’re in a car or on a bike, your motor vehicle report is going to be reviewed when you apply for life insurance. Life insurance for motorcycle riders can even be impacted if you have a flawless riding record but a poor record in your car. They are are the same, because you’re the same owner, same operator.
If you have significant tickets on your record, violate noise ordinances repeatedly while riding, or have countless fines on your report due to reckless activity, this might look bad when you’re trying to obtain the best life insurance rates.
Not every area has helmet laws, but if you travel in or through a city or county with helmet laws, make sure to abide by them where possible. Every area has different fines, where some are strictly monetary, others not.
Obviously, never drink and ride. Getting a DUI/DWI will have the harshest of consequences when you apply for life insurance. It could be a huge markup in premiums, or you could get denied in some circumstances.
Apply Here, Not There
As I mentioned above, there are certain companies who will ask specific questions to riding motorcycles, others don’t ask any questions at all.
One company asks very pointed questions about motorcycle riders: New York Life. The questions ask if you ride, how much you ride (mileage), whether or not you use a helmet and what type of riding you do (recreational/professional). I can assure you, some perfectly qualified applicants who can apply through other carriers and get the best rates have been docked by this carrier for their riding, no matter the experience level. They should apply elsewhere.
Most of your major insurance carriers don’t mind if you ride, but all carriers will ask additional questions if you have multiple violations, or even just one severe count on your report. If you’ve got a squeaky clean record, you shouldn’t have any problems with life insurance motorcycle rates.
Compare Motorcycle Life Insurance Rates Online
Knowing you can apply to most carriers now, we encourage you to get your rates directly online. This will not only save you time, but money and headaches.
Shopping for life insurance online is extremely simple, and if you use a quote engine like ours, you’ll get to see your available premiums instantly, right in your browser. No e-mails, no call center annoyances, no hassle. It’s easy to compare quotes, find a company you want to work with, and even apply directly. It takes less than 5 minutes, and you can expect to have your policy in process by days end.