| Gas prices have come down since last summer's | | | | purchase that coverage. |
| highs of $4 plus a gallon, but since they dropped, | | | | Motorcycle accidents are also more likely to involve |
| they've been steadily climbing. Somehow it doesn't | | | | significant bodily injury claims. Obviously this is a |
| seem as bad since gas isn't at the highest levels it's | | | | bigger concern than just an insurance problem, but it |
| ever been. But it is certainly more expensive that | | | | does drive the premiums up. You can help reduce this |
| you ever intended to pay when you bought a car | | | | danger by driving carefully, or not driving your |
| and decided to use it as your primary means of | | | | motorcycle when conditions are dangerous. Wind, |
| transportation. So you've finally had enough, and you | | | | rain, fog and other weather factors are more |
| bought a motorcycle. Good for you! But now you've | | | | dangerous for motorcycles than for cars. Those are |
| discovered another hurdle; the price of motorcycle | | | | good days to drive a car or find another means of |
| insurance. | | | | transportation. |
| It costs more to insure a motorcycle than a car for a | | | | Lastly, insurance companies base their rates on |
| couple of reasons. First, motorcycles are difficult for | | | | statistics. If the odds of a claim or the average dollar |
| other drivers to see because they're small and they | | | | amount of a claim are high for the particular type of |
| can move quickly. This leads to more accidents. | | | | vehicle that you drive (or ride), your premiums will be |
| Although the other driver may be at fault too, if you | | | | higher. This helps them account for all kinds of things |
| are partially responsible for an accident, your | | | | that they can't identify, from hot-dogging drivers to |
| insurance has to pay. They also pay if the other | | | | unsafe vehicles. |
| driver is uninsured or underinsured, provided that you | | | | |