Find cheap insurance for your bike, scooter or moped. We’re here to help! To learn more about your insurance protection, visit our Resource Center. While the coverage offered here is not cheap, it is incredibly thorough. Learn about the coverages, discounts, and benefits of motorcycle insurance from GEICO. BMF Foundation. D. However, premiums range depending on where you live, your age and what type of bike you ride. Here at Oxford Auto Insurance, you don’t have to wait too long to get your SR-22 insurance in Chicago. Get a quote today! Between 2021 and 2022, the average annual cost for a liability-only motorcycle insurance policy at Progressive ranged from $127. Our analysis showed that the average cost of motorcycle insurance is $538 annually. It also allows a friend or family member to borrow your bike for a short time. Our Top Picks for the Best Motorcycle Insurance Companies. It is ideal for all bikers who also have a car, including riders with motoring or criminal convictions, and includes: Insurance for motorbike modifications. Motorcycle insurance was designed to protect your bike…and you. It protects riders and bikes in six critical ways: To get a motorcycle insurance quote, call us at 1-877-669-6877, click Start your quote above or find a local agent. 99/mo. They can range based on the scale that the insurer uses, be this 1 – 17, 3 – 17, 1 – 22, 3 – 50 etc. 9 out of 5 240,413 reviews. Specialized coverage for riders with challenging profiles. TPFT £79. Get a quote!Your TVS bike insurance price will be displayed on the screen. Motorbike Insurance. Our caring staff will go over the options and help you make informed decisions. Visit the coverage page for a full list of motorcycle insurance coverage options. The cheapest insurance. is $519 annually. We offer motorcycle insurance coverage to meet your needs, regardless of the type of bike you own. As with cars, motorbikes are generally categorised by insurance providers into different groups, and the group a motorbike is in then usually determines its basic premium price. In which case, you still have an option: an insurance excess policy. Harley-Davidson also has lots of discounts to help riders lower their insurance rates. 50 year-old with 20 years of riding experience. Bullet models include the Bullet 350, Bullet. 48/month) in Delaware. Protection, recovery & removal after accident (towing charges) Authority to repair (upto the authorised repair limit) For any inquiries or assistance, feel free to contact us. It provides you with cover for one day, which is usually a period of 24 hours from the moment your policy starts. 10% discount code for SPORTSBIKESHOP. We’ve come a long way since then and now offer a lot more than just car insurance. The make and model. If you own a motor vehicle in Canada, motorcycle insurance is mandatory. Nationwide: Best for. 1 to 7 day motorbike insurance cover. Motorbike insurance through Carole Nash Ireland, specialists who truly share your love of motorbikes. Call 1800 818 751 Request a callback Get a quote online. Fully comprehensive cover as standard. . Compare introduces customers to Vast Visibility Limited which is authorised and regulated by the Financial Conduct Authority. All RAC Members are automatically upgraded to our Bike Insurance Plus for free! Exclusive members offer* - free upgrade to our Bike Insurance Plus. These are ranked 1 - 17 or sometimes up to 22. 77 ($26. The bill will be split into monthly payments, so you can pay it comfortably and without surprises. Check the two wheeler insurance online quote for the renewal premium for expired bike insurance. Progressive is the top motorcycle insurance company for riders in Alabama because of a great balance of affordability, extensive coverage and service. Motorcycle insurance is normally cheaper than auto insurance. There are 50 car insurance groups in the UK, with Group 1 being the lowest risk and Group 50 being the highest risk. MCE provides fantastic benefits and great prices on all of their policies. There are 17 motorcycle insurance groups and most mopeds are Group 1 and all are below Group 3, whereas a powerful superbike will be group 17. The average cost of motorcycle insurance from. Progressive is the country's #1 motorcycle insurer. Learn why it’s important to have year-round coverage for your bike even if you aren’t riding in the colder months. Mopeds and scooters with smaller engines normally fall into lower groups, so insurance might be cheaper. Call now 1-800-731-2228. Motorcycle Rating Groups represent engine size and the amount you can save on insurance compared to all motorcycles. Insurance groups are based on the value and power of your motorbike, and the type of motorbike can affect its engine size an GEICO offers motorcycle insurance for various types of bikes, such as sport, cruiser, moped, touring, and custom. Third-party policies tend to be most affordable while comprehensive insurance is much more expensive as it covers a lot. Compare The Best Bicycle Insurance Quotes For You. Up to 10% discount when you renew your motorcycle insurance with GEICO ® Motorcycle. A couple of their best benefits are the 30 days cover if. See full list on valuepenguin. Member benefits. The company was founded in 1928 and services consumers nationwide. Insurance group for A2 motorcycles. Compare bike insurance. With American Modern ® insurance, you can choose from one of three. The cost of 125cc motorbike insurance can vary based on several factors, such as your location, riding experience, the make and model of your bike, and your driving history. We asked Vince why someone who’s made a claim on their car insurance, can see their bike policy affected; “Insurance companies will try to calculate the right price base on the likelihood of a claim taking place and the value of that claim,” said Vince in our interview. Best. Our Top Picks for the Best Motorcycle Insurance Companies. It might just be that the mods you make to your bike can only lead to a high premium. in 2 Minutes ️. Best for multiple bikes: Markel. The answer is always yes. $5,000 for property damage. Rider 1 is 24 years old. Best for affordability: GEICO. We don’t require any personal information and nothing you enter is passed on to any insurance companies. Bundle with your auto, home, or renters policy and see how much you could save!Now is your chance. It’s a simple case of the higher the value and the. You could pay less than £183*. Principal Insurance. Get quotes. 50% during the forecast period (2023 - 2032). It wasn’t until 1954 when Kawasaki released. We’ve partnered with Compare the Market to help you understand insurance costs for your next bike. July 23, 2020 Automotive. We've been providing outstanding customer service for 85 years and we'll make sure you get the service you deserve. With American Modern ® insurance, you can choose from one of three. All RAC Members are automatically upgraded to our Bike Insurance Plus for free! Exclusive members offer* - free upgrade to our Bike Insurance Plus. The A1 licence can be attained by riders of 17 or over, and permits the holder to ride small motorbikes of up to 125cc without L-plates, including using motorways and carrying a passenger. [4] 51% of young riders between 16-17 years old could achieve a quote of less than £1,140. Our Top Picks for the Best Motorcycle Insurance Companies. File and track your claim. Harley-Davidson. Get quotes. Its typical cost of coverage is $321 per year — 48% cheaper than the statewide average. Bikes that fall into the higher number groups are. Bike insurance companies often look at the following factors: age. Discover how bike insurance can protect you against theft, damage, injury, liability and other potential risks of owning a valuable bicycle or e-bike. Compare the cheapest motorbikes for you to insure based on their insurance group and get a quick estimate from Biker Rated. 644. The average cost of motorcycle insurance in the U. Just enter your details. No long wait times. That's 23% more expensive than the average rate in Virginia and $6 less costly than the second. Compare quotes with 25+ UK insurance providers. That’s 152% more than the national average cost of motorcycle insurance. Fat Bike Insurance is $16. Our range of 8 add-ons enhances your two-wheeler insurance policy to offer you a 360-degree protective cover. You expect to be taken care of. Motorcycle insurance for Nebraska. The Motorcycle Legal Foundation recommends a staggered formation where the leader rides in front to the left side of the lane. $15,000 for property damage, $25,000 for bodily injury per person, and. Cheap price is only one thing to consider when choosing the right motorcycle insurance policy. C. Our team chooses Geico, Progressive, State Farm, Dairyland and Erie Insurance as the best motorcycle insurance companies based on cost, coverage and reputation. Quick & easy – takes less than 5 minutes. Typically, these range from 1-17. Call for a Moto Guzzi Motorcycle Insurance quote today0345 872 3614. Take out a motorbike insurance policy through Principal insurance by calling us now on 0818 945 950. BMW S1000RR Insurance - The BMW S1000RR, designed to compete in World Superbike, debuted in. At The Guardian Insurance Group, our mission is very simple. This Los Angeles-based company has been operational since 1928. The state's minimums are below. Summary of Money’s Best Motorcycle Insurance Companies of 2022. Property damage liability coverage. Liberty Insurance. Accident forgiveness. We have a helpful customer service team, so chat to our bike insurance experts on 0344 776. You can also consider lowering your coverage during the off season if your bike stays tucked away in the garage all winter. Any other information that may earn you a discount (GPA for a good student discount, motorcycle group affiliations, etc. You can save 4% by including 2 BBVA policies in the Plan, or 5% if you include 3 policies, and so on up to a maximum of 15% savings if you include 10. Bike Insurance Groups. 30% of our motorbike insurance customers pay less than £100; with 68% paying less than £200 (based on June 2023 data of 99,628 total motorbike insurance premiums not including optional extras). Car insurance group checker. Online requests will be sent via email within 2-3 business days. In summary, there is no industry wide motorcycle insurance grouping system in the UK, that is followed by all underwriters. If you are looking for motorbike insurance, you can ask your car or home insurance provider if they can help, or cut out the middleman and go straight to a company that specialises in motorcycle insurance. Get an insurance quote in minutes from a top-rated company. The cost of a motorbike insurance policy varies depending on your personal circumstance and the type of bike you want to insure. The king’s comprehensive motorbike insurance covers you for accident damage, theft and hi-jacking, and for your liability to other parties following a motorbike accident. Unfortunately, due to a high number of thefts in recent years, scooter insurance groups are climbing but generally speaking, scooters are cheaper to insure than motorcycles. Hagerty: Best for Vintage and Collector’s Bikes. As an Allstate customer, it's easy to view ID cards, pay bills and access policy information online with our self-service tools. $50,000 for bodily injury or death to two or more people. They are Third-party Bike Insurance and Comprehensive Bike Insurance. Methodology. com ; Call 623-777-2580;. Compare Quotes. Get insurance from a company that's been trusted since 1936. Whether you ride a SST 240 or Raptor 125, Devitt aim to provide you with a hassle-free, straight-forward and friendly service. 5/5. Simple and Easy to get a cover! Customised and flexible motorcycles insurance. Bike insurance prices depend on each person’s circumstances. Online two wheeler insurance policy offers coverage to the rider or owner of a motorcycle against various unpredictable damages due to unforeseen circumstances like theft, disasters etc. Currently, there are a number of enduro competition classes including: E1 – for riders up to 250cc. 40 Billion by 2032, exhibiting a compound annual growth rate (CAGR) of 4. 44 per year for bike insurance based on Compare the Market data in September 2023. Compare Bike Quotes. Excellent. The insurance will always be rated on the motorcycle and the driver. Markel has the highest rates in New Jersey, at $34 per month. - Financial Protection: Firstly, it provides financial protection in case of any unfortunate events on the road. If you've tried to buy a bike in the past two years, most likely you came up empty or had a crazy long wait. The next rider is about one second behind the leader but on the right side of the lane. At the next “bike night” look around. Progressive – Best for Accident Forgiveness. Blake Insurance Group LLC is enhancing the way you shop and buy insurance coverage online, we have developed a unique model and process that will match you to the right coverage at the right price. Enter your zip code. The best option for group 2+ motorcycles and drivers with a full, clean class A licence, and 2+ years No Claims Discount. 24 hours online real-time quotation. Seat height: 775mm. ING is Australia's most recommended bank according to RFI Global's XPRT Survey, December 2022 - July 2023 (n = 31,805) when compared to customers of 20 other banks operating. Harley-Davidson: Best for New Riders. Third Party Liability Bike Insurance will cover you for your liability to pay compensation for loss or damage to someone else’s property as a result of an accident anywhere in Australia. For enquiries, please contact our Customer Service Hotline at +852 2884 8888. Here are some super quick reasons why you should consider Pay As You Go insurance for you part-time riding. Some options in Singapore: Yamaha MT-15 Xabre, KTM 1290 Super Duke R, Ducati Monster 821, Honda CB400 Super 4 Spec 2, BMW K1200R. Progressive Best Overall. Our cover and prices are flexible to suit a wide variety of budgets. With Auto Trader Bikes and Compare the Market, it’s simple. 20076; a Berkshire Hathaway Inc. 04/month. The state's minimums are below. Based on our findings and years of insurance expertise, we selected a list of five top providers for motorcycle insurance coverage. Street-driven units include $3,000 in accessory coverage. Just some of the extra benefits available are: Multi-bike policies allow you to cover all your bikes of any type on one low-cost policy, including scooters, quads and trikes. The type of motorbike you ride is important as it can determine what insurance group your it's in. Experience ZERO commission | Paperless Claims | Huge Benefits with every insurance across Car, Bike, Health, Travel and more @ACKO. You generally pay less for your cover the lower the insurance group your model is in. All of our policies insure individuals for personal and recreational use only. Geico also has a fairly good customer. Motorcycle insurance premiums can range anywhere from a couple hundred bucks per year to more than $1,000 per year—varying by state, company and a whole saddlebag full of other factors. Unfortunately, due to a high number of thefts in recent years, scooter insurance groups are climbing but generally. Call for a quote0345 872 3614. Coverage ranges from about $280 to $880 and depends on where you live, what you ride and your. MCE Motorcycle Insurance – Considered one of the best motorbike insurance companies in the UK. The. Motorcycle Insurance Groups. Different levels of cover still available. No Broker Fees This was drawn from technology experience. Learn about what Farmers covers, or contact your local Farmers agent today. insurance groups (Insurance group) In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. As a UK-based specialist motorcycle insurance broker with over 90 years of experience, Bennetts compares prices from our panel of Britain’s biggest motorbike insurance underwriters. If you ride your bike infrequently, you may be able to get a discount by being a part-time rider. 937. What’s more, you may require a 1-day motorbike insurance policy when you buy your bike. Optional extras include: Helmet and Leathers (~£44. We are happy to present the new Santander MAPFRE Plus Range Motorcycle and Moped Insurance, a comprehensive insurance adapted to your needs so that you are protected when you need it most. Motorbike insurance can provide a variety of benefits including property damage liability, bodily injury liability, uninsured motorist coverage, and medical payments. Compare home insurance quotes with £250 free excess cover. While these minimums are relatively average compared to other states across the U. About Admiral. However, fully comprehensive will cover you under many more. Seasonal motorcycle insurance. Highly customized and vintage bikes are amongst the most expensive ones to insure. Covers all types of bikes, including scooters, trikes, and superbikes. 77 ($26. The increased number of motorcycle owners and rising demand for cost-effectiveness and convenience from consumers are. 1. Covers all types of bikes, including scooters, trikes, and superbikes. Find out more about us and our. Our dependable coverage and outstanding claims service aren’t the only things we offer our members. About Motorcycle Insurance. Motorbike insurance for specific groups of people. Change your email or postal mail address. It is not compulsory, however, it offers greater protection than just third-party insurance. is $60 per month, or $721 per year, but your rate depends on many factors, including where you live, the type of bike you ride and your age. The cheapest motorbike to insure for learner riders is the same as the best motorbike to insure for younger riders; and that is a bike that looks like it poses less risk of a claim to an underwriter who calculates the premium based on the risk of the bike, the rider, their location and everything in-between. Experience in providing coverage to diverse rider groups. 1. These are the typical insurance group ratings for the 10 most common motorbikes on UK roads: BMW R1200RT (Large Tourer) – Group 11. High maintenance and repair costs. Get quotes from over 20 providers of NI insurance. Motorbike insurance is the type of insurance that protects you from financial liability if you cause an accident while driving your motorcycle. Motorcycle insurance, like auto insurance, can protect you when accidents happen. Enter your zip code. Plus, according to Suncorp claim statistics, age is no guarantee of wisdom: the largest number of motorbike insurance claims are made by bike owners between. Insurance with an extensive travel assistance network. The best motorcycle insurance for most riders in Alabama is Progressive. Our Top Picks for the Best Motorcycle Insurance Companies. Essentially, it is a way to categorize motorbikes based on how expensive they are to insure. Pay your premiums electronically. Whether or not you are at fault. Its newest model is the CBF125F, an. The average cost of cheap, full coverage Comprehensive motorcycle insurance is around £324 per year (roughly £30 per month) for a 30-year old rider on a 125cc bike, with an average excess around £500. Insurers categorise motorbikes into insurance groups. As a. Fully online, instant policy documentation. Typical motorcycle insurance groups. Groups are based on factors like engine size and value. When choosing a car to buy, use our tool to find out which cars are in the lowest insurance groups so you can be sure the cost of cover will be affordable. To get a free, no-obligation quote from Dairyland, enter your ZIP code above or call InsuraMatch, a Travelers-owned agency, at 1-844-403-1464 to speak with a licensed agent. ) Progressive – Best for Accident Forgiveness. Get a Motorcycle Insurance Quote. Let us be your resource for all things motorcycle insurance. (You can often add a further voluntary excess on top of this to reduce the premium further, if that works better for you. Amongst the motorcycle insurance companies in North Carolina offering liability-only coverage, the following companies were found to have the lowest average rates: Nationwide: $82 per year. BMW S1000RR Insurance - The BMW S1000RR, designed to compete in World Superbike, debuted in 2010 to worldwide acclaim. If you’re over 50 and looking for motorbike insurance, we can help you compare policies from up to 39 providers. 78. If medical payments coverage is purchased and the injured person is wearing a helmet and/or full motorcycle safety apparel, we will waive the deductible and pay the medical expenses up to 2 times the limit shown in the Declarations to a maximum of $10,000. We don’t require any personal information and nothing you enter is passed on to any insurance companies. Third-party, fire and theft. The insurance coverage minimums for Ohio are: $25,000 for bodily injury or death to one person. Property damage liability coverage. 00) and Personal Accident. In choosing some of the best motorcycle insurance providers for different types of bike owners, we primarily considered each company’s selection of discounts and products. Unfortunately, due to a high number of thefts in recent years, scooter insurance groups are climbing but generally speaking, scooters are cheaper to insure than motorcycles. Ask about multi-policy discounts. With bikes there are between 17 and 22 different motorcycle insurance groups, and they can sometimes be classed as belonging to different groups from one. The Zephyr Song – Red Hot Chili Peppers. Generally, to take out classic scooter or moped cover, your vehicle will need to be at least 20 years old. The lower your insurance group number, the less expensive it should be to insure. Cashless Repair and Reimbursement. While the coverage offered here is not cheap, it is incredibly thorough. Replacement costs of audio and visual equipment fitted by the manufacturer and up to £500 for non-standard equipment. GEICO offers motorcycle insurance for various types of bikes, such as sport, cruiser, moped, touring, and custom. 125cc insurance on a provisional licence. We don’t leave you hanging around on the phone waiting for us to pick up. You may be interested in the products below. If you are involved in an accident and someone. The average price for motorcycle insurance with Dairyland is $16 per month in Washington. Our hypothetical A2 motorcycle is a Triumph Street Triple, which is roughly Group 14 insurance The bike is worth £6500 and garaged at night. Most bikes can be covered – from scooters to superbikes and everything in between. Alternatively, call us for a quote on 0330 159 1156. Arbella sells insurance through local independent agents, and we work with some of the best in the area. 1. - Step 4: An insurance form will be displayed on the screen. Tailor your KTM insurance with optional extras. Your information is secure. USAA members get a 5% discount. Because of their exceptionally high scores in every category, Progressive is our pick for best motorcycle insurance overall, with a total score of 97 out of 100. Ontario motorcycle insurance. No matter what type of bike you own, you’ll want insurance. Select products to bundle & save or call 1-866-561-7300. Docs sent immediately by email. But that’s just the tip of the iceberg. 99/mo. Electric motorcycles are typically just as reasonable to insure as a gas motorcycle. You can get a free online quote and save money on a new policy with GEICO. Dual purpose: KLR, KLX, KLE, F1TR, F2TR, J1TR. Rated Excellent 21,980 reviews on. Get comprehensive international coverage for your car, property, or. The cheapest motorcycle insurance for young riders was determined by analyzing quotes for 18-year-old riders with a 50/100/25 full coverage policy and a $500 deductible for comprehensive and collision coverage. Opt for annual payment. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation. *51% of consumers who received a. Read ahead to learn more. Progressive: Best for Accident Forgiveness. You can opt-out at any time. Insurers put all cars into one of 50 'insurance groups', with cars in the lower groups being cheaper to insure. Nationwide is proud to offer motorcycle insurance in PA. It covers permanent or temporary impairment, physical harm, as well as the death of a third party person caused by an accident which involves the policyholder's two-wheeler. 2. Occasionally, it can be down to the actual bike though - some are more expensive than they deserve through reputation or the type of rider they attract. Motorbike Insurance Motorbike Insurance. Carole Nash Rider Cover. We are here to support you and are committed to minimizing interruptions as we respond to concerns about the spread of COVID-19, however, we ask for your patience during these circumstances as call wait times may be. , to proceed. Generally, most bikes in the UK will be classified between groups three and 17. Bennetts was the first bike insurance broker to. CPLT is low-costs and only includes medical coverage. RV insurance. Which meant wasting time getting quotes for bike insurance – as well as home insurance and car. Omaha, NE 68118. Renewing an expired bike insurance policy is also very easy nowadays and is just a few steps and clicks away. $60,000 in total bodily injury per accident. S. Rated Excellent 21,980 reviews on. This amount is comparative to many basic personal accident plans available in the market, and only costs $64. Pros and cons. Here at Oxford Auto Insurance, you don’t have to wait too long to get your SR-22 insurance in Chicago. It doesn't protect you or your bike. The types of motorcycle will affect the price of buying a motorcycle insurance too. Insure you scooter or moped in minutes! Option to pay by instalments. Best for bundling: Geico Best for discounts: Harley-Davidson Insurance Best overall State Farm Motorcycle Insurance Learn More Cost The best way to estimate. Plus discounts of up to 50% when you bundle your bike with your home or auto insurance. Best for Daily Drivers: Dairyland. Honda. We offer lots of discount** options to help adventurers like you save on your insurance. Motorcycle Insurance Tends to Be More Expensive than Car Insurance. This company specializes in motorcycle insurance, so of course, it is going to be noteworthy. The more your motorcycle costs, the more insurers charge for your. For more information, please call (800) 928-1511. AAA is proud to offer Motorcycle Insurance, and advantages can vary among auto insurance companies, and certain coverages may be required to provide you with the protection. Allstate: Best Overall. Third-party two-wheeler insurance also covers. Docs sent over in minutes by email. Third-Party Two-Wheeler Insurance: In India, third-party two-wheeler insurance is required for riding a bike. The average median cost of fully comprehensive motorbike insurance policy was £180. Compare Bike insurance NI Quotes Now. Quote over the phone. Cyclocross Bike Insurance is $16. The state's cheapest rate is from Torrington, at $563 per year. You’ll also be helping us to continue our work to get millions more people cycling. Example 4:You have agreed that. Across the country, motorcycle insurance costs can vary widely in price based on a number of factors. Age & location are usually the main issues for insurance - under 25, and/or London means cost-a-packet. 50 per month!On a yearly basis, you must buy compulsory motorbike insurance also known as compulsory third-party liability insurance (CTPL), as it is a legal requirement here in Thailand. RG45 postcode (low to medium risk) Rider 1, 24-year old: Fully Comprehensive Insurance £1500 per year, £250 excess Best For. Read ahead to learn more. Best for Liability-Only Coverage: Progressive. This company specializes in motorcycle insurance, so of course, it is going to be noteworthy. Insurance groups are based on the value and power of your motorbike, and the type of motorbike can affect its engine size and value. Toll Free: 866-466-7819. co. These policies pay out when you have to cover the cost of paying excess. BMW Motorrad’s new R1800 is a game changer for the brand bringing a cool retro style cruiser to their offering too. Progressive has the best motorcycle insurance for most people in Arizona due to its cheap rates and excellent coverage. You can go directly to an insurance provider or use a broker who will get quotes from a panel of insurers. Nationwide: Best for. 2. Insurance group for A2 motorcycles. $15,000 per person, $30,000. As an independent insurance agency, we are. What is the top speed of. and some insurers use letters instead of number… hence the reason so many riders are confused by it! Motorcycle insurance is a great idea for a number of reasons. The discount is applied at the point of sale by the dealership. - Step 5: Select your bike's appropriate IDV ( Insured. What. Choose your policy, including any extras, then go ahead and buy. Ride smart with Motorcycle Insurance. Insurance. Most of the insurance comparison websites will offer you. Bike insurance is essentially a contract that an individual signs with an insurance company, which agrees to pay a premium in exchange for financial protection against losses or damages brought on by. The highest capacity scooter is Aprilia’s SRV850 but. Motorbike insurance groups typically range from one up to 17, but some insurers have groups that go up to 22. Updated: Oct 5, 2023, 7:18am Editorial Note: We earn a commission from partner links on Forbes Advisor. Admiral is a UK based insurance company, set up in 1993 to specialise in car insurance. Young bikers generally have higher premiums because they are deemed more likely to be involved in accidents.