Discount Motorcycle Insurance, an online database of insurers providing low-cost coverage, details the factors impacting policy costs and those yielding discounts.

New York, NY -- (SBWire) -- 08/29/2014 --Discount Motorcycle Insurance provides bike owners with a database of insurers by state and city to find the cheapest coverage. It now reveals the typical costs affecting motorcycle insurance prices. The standard costs include age, driving record, and the type of vehicle, similar to car insurance prices. While annual prices range dramatically, the total cost can include liability coverage and protection against injury or damage from another party.

There are minimum insurance requirements set by each state, but additional costs can factor in. Drivers with accident records or past violations pay more for insurance. The rates can be even higher for those who’ve been cited for moving violations involving drugs and alcohol. If a motorcyclist has had their license suspended in the past, insurance quotes will be more. Other cost add-ons may include coverage for guest passengers or racing motorcycles.

Several operational and at-fault factors can drive up insurance costs. In terms of discounts, riders can take various actions. They can join the American Motorcycle Association or other groups as members may receive discounts from insurers. A bike can be insured under a policy with another motorcycle or even a car insurance policy, often resulting in a discount.

In addition, one can get an insurance discount on an older bike or stock model. Motorcycles with smaller engines can often be insured with cheaper coverage, while anti-theft devices lower risk and therefore may qualify bikers for a discount. Other factors affecting insurance costs include monthly miles driven, how the bike is stored, and its riding purpose.

It’s important to keep all of these in mind when shopping for motorcycle insurance. By going to Discount Motorcycle Insurance, one can quickly compare quotes from leading insurers in their state and city, plus find insightful articles on insurance, motorcycle safety, and the latest industry news. Go to http://www.discountmotorcycleinsurance.com/ to learn more.

About Discount Motorcycle Insurance
Discount Motorcycle Insurance provides fast access to top motorcycle insurance companies by state. Its website makes it easy for visitors to obtain free quotes quickly and learn from hundreds of articles on motorcycle insurance. The site is designed to help riders find lower insurance rates.