While waiting to find out if the introduction of the new family liability insurance will bring a reduction in the costs of family policies, users continue to look for systems that are able to reduce the costs of car and motorcycle liability as much as possible. The new regulation will make it possible to ensure all the means of the family unit, both cars, and motorcycles, with the lowest class of merit owned by the members of the group.
In any case, in order to cut the costs of motorcycle insurance, it is essential to be sure that you have activated an insurance coverage that is really convenient. To minimize costs, you can rely on the online motorcycle insurance that offers considerable savings for users. In particular, by relying on the online comparison of quotes, it will be easy to identify the most convenient motorcycle insurance.
How to find the best motorcycle policies
To find the cheapest online motorcycle insurance policy, it is, therefore, possible to use the SosTariffe.it is a comparator, accessible by clicking on the box below. By entering your data (personal data, vehicle data, and insurance data), the system will proceed with the calculation of various estimates to activate new motorcycle policies with the main insurance companies in Italy.
The online comparison, available free of charge and without any commitment on the part of the customer, will allow you to have a large number of estimates available in a few minutes. By comparing the quotes, it will then be possible to choose the most advantageous policy in relation to your needs and proceed with the online activation of the new contract, minimizing time and costs.
Online motorcycle insurance: which are the most convenient
Comparing online insurance offers is the best way to identify the best motorcycle policy and obtain significant savings on the insurance premium without having to give up full coverage. The companies that offer policies in many cases provide exclusive advantages for those who activate additional ancillary coverage, to be combined with the third party liability, to maximize protection.
As for motor liability insurance, motorcycle insurance quotes are also calculated based on the individual models of motorcycles, the age of the insured, and other particular conditions. The factors that have an important impact on the cost of the third-party liability policy and of the various ancillary coverages that the customer can activate are:
- the province of residence: those who reside in certain provinces will have to deal with insurance costs that are decidedly higher than the national average;
- the class of merit: from the entry into force of the family RC this element is assigned on the basis of the best class possessed among the members of the family unit to which one belongs;
- the age and insurance history of the vehicle owner (not of the policyholder who may be a different person);
- motorcycle model to insure and its commercial value: some models, especially the more exclusive and expensive ones, will be more expensive to insure.
To get a precise idea of insurance costs and the best online motorcycle policies, we set a profile of “typical” motorcyclist defined as follows:
- the man born in 1985 in 1st class of merit with no claims in the last 5 years;
- resident in Turin;
- bike to be insured: Yamaha T-Max.
The list of the best motorcycle insurance by filling out the forms with this information, you can enter the data of your vehicle and all the personal information on the insured and the comparator of SosTariffe.it will calculate a personalized ranking for you.
How to choose the cheapest online motorcycle insurance
With the introduction of the new family car liability insurance, insurance costs for Italian families should be reduced. The decree approved at the end of December 2019 with the Budget Law was designed to contribute to savings for consumers. However, trade associations of insurance companies expect costs to rise as the new rule entails greater risks.
The key issue is that vehicles used by experienced drivers and novice drivers can be insured with the same class of merit. The family liability guarantees that they can take out policies with the most convenient class of merit in the family, even if it refers to a policy activated on a car. And this principle will also be applied to renewals of previous insurance policies.
However, there are also other savings and risk factors to pay attention to, online policies are on average cheaper than traditional ones. Be careful to carefully evaluate what your real needs for coverage are because you could save money immediately, but then pay very high bills in case of accidents.
Savings are not always the best option
Choosing only on the basis of price means opting for a third-party liability policy with low ceilings and with different restrictions, as we have seen. Adding other guarantees or higher ceilings will lead to an increase in premiums. It will be essential to weigh the choices and guarantees to be added to the basic plans considering your driving habits, the age of the vehicle, and the risks that can be encountered.
The online comparison of motorcycle quotes is the element that guarantees you to analyze in detail the advantages and disadvantages of each individual offer and understand, in a precise way, which is the cheapest online motorcycle insurance and most suitable for your real insurance needs.
In summary, therefore, to get the best quality/price ratio for your motorcycle policy you will need to:
- compare the costs of the RC policy by analyzing, at the same time, also the policy ceilings and the driving clause (Free Guide, Expert Guide, and Exclusive Guide) included in the contract; the policy with the lowest cost of liability will not always be the most convenient; by analyzing the ceilings and the guide clause it will be possible to have a broader and more detailed picture of the situation and to choose the policy that best suits your needs with greater precision;
- analyze the advantages and disadvantages of the various ancillary guarantees; the additional coverages (which unlike the RC are not mandatory in order to circulate) can represent a considerable advantage for the user but involve an additional expense; comparing the costs of these coverages between the various companies can be a very important element to choose the best insurance policy for your motorcycle and save money.
