Here are some items to consider when buying a cycle that impact insurance premiums:

• Type of motorcycle (Sport bikes cost more to insure)
  
• Number of CC's (The higher the CC's the higher the insurance)
  
• Custom motorcycles (Value)
  
• Rider safety course discount (10-15% discount)
  
• Membership to motorcycle club (Ex: HOG 5% discount)
  
• Driving record (Keep violations to a minimum)
  

General guidelines for riding a motorcycle safely:

Be visible:

• Remember that motorists often have trouble seeing motorcycles and reacting in time.
  
• Make sure your headlight works and is on day and night.
  
•  Use reflective strips or decals on your clothing and on your motorcycle.
  
•  Be aware of the blind spots cars and trucks have.
  
•  Flash your brake light when you are slowing down and before stopping.
  
•  If a motorist doesn’t see you, don’t be afraid to use your horn.
  

• Wear a quality helmet and eye protection.
  
• Wear bright clothing and a light-colored helmet.
  
• Wear leather or other thick, protective clothing.
  
• Choose long sleeves and pants, over-the-ankle boots, and gloves.
  
• Remember – the only thing between you and the road is your protective gear.
  

• Give yourself space and time to respond to other motorists’ actions.
  
• Give other motorists time and space to respond to you.
  
• Use lane positioning to be seen; ride in the part of a lane where you are most visible.
  
• Watch for turning vehicles.
  
• Signal your next move in advance.
  
• Avoid weaving between lanes.
  
• Pretend you’re invisible, and ride extra defensively.
  
• Don't ride when you are tired or under the influence of alcohol or other drugs.
  
• Know and follow the rules of the road, and stick to the speed limit.