| Everyone has to start somewhere as a rider. And | | | | the insurance company to take. |
| when you are getting your very first Yamaha | | | | These facts add up to one basic reality: older new |
| Motorbike insurance policy, there are several things | | | | riders will pay lower premiums than younger new |
| you should know. | | | | riders. |
| This is something of a tricky subject and one that | | | | But there are a few options for young riders. Always |
| should be discussed thoroughly with your Yamaha | | | | take an accredited training course before you even |
| Motorbike Insurance Agent, but here I will try to lay | | | | attempt to get your Yamaha motorbike insurance. |
| out a few point to give you an idea of what the | | | | This demonstrates quite a bit of responsibility on |
| situation is with New Riders or Learner's Bike | | | | your part and can help in some cases. |
| insurance. | | | | Next, choose a very high deductible. Opt for $1000 |
| Insurance companies attribute the current largest | | | | deductible and deposit that money in a savings |
| growth in the motorbike industry to a group of | | | | account strictly for the Yamaha motorbike insurance. |
| individuals that are considered middle-aged. These | | | | This will keep your premiums much lower and really, if |
| consumers begin riding later in life for many reasons. | | | | you know you will have to shell out a full grand |
| Sometimes it is as simple as always wanting a bike | | | | before the insurance policy will pay for anything, you |
| and never being able to afford the luxury. Other | | | | will likely be far more careful with your new toy. |
| times it is about having more leisure time. Whatever | | | | Speaking of toys, as a newb there are plenty of |
| the cause, these new riders, as middle-aged novices | | | | arguments for you getting a lower risk bike as your |
| are far more likely to ride responsibly. They no longer | | | | first ride. You will certainly lay it down at least once in |
| have the invincible attitude of their younger years. | | | | the early days. All new riders do. It will hurt far less if |
| They are more aware of consequences of an | | | | the bike is not a supremely expensive bike. Also, it is |
| accident, both to their bikes and to their bodies. And | | | | never a good idea to begin on a big engine. Most |
| they are far more likely to take a motorbike training | | | | seasoned riders will recommend a 250cc engine as a |
| course before hitting the road. They also tend to buy | | | | starter bike. Some might suggest 500 or 600cc, but |
| more expensive cruiser style bikes like Harley | | | | really, there is rarely a reason for a beginner to get |
| Davidsons. These kind of learner riders are well | | | | anything but a 250. You want to learn the basics on |
| regarded by insurance companies and are considered | | | | an easily handled machine and any Yamaha motorbike |
| a far lower risk. | | | | insurance agent will tell you that you will pay lower |
| On the flip side of the learner's coin, are the 20 year | | | | rates on a lesser bike. |
| old newbs on a super bike. Most Yamaha motorbike | | | | Finally keep your driving record clean! If you get |
| insurance companies do not care for these riders, as | | | | tickets, your premiums are going to go up. Period. |
| they are statistically far more likely to be involved in | | | | There is no better indicator to a Yamaha motorbike |
| an accident. youth and inexperience added to a | | | | insurance company that you are a high risk rider, than |
| powerful racing machine means a much higher risk for | | | | a regular problem with violating the speed limits. |