It is very important to get an insurance coverage, even if you are just driving a moped. Some people think that they do not need to get moped insurance because mopeds are lightweight, have small engines, and are not used on the freeway, unlike the typical motorbikes. But since you may also experience unfortunate events like accidents that involve your moped, it is also important to get moped insurance to protect yourself.
You can lower your moped insurance rates based on several factors. Here are the factors that you should look into if you want to get cheaper insurance for your moped. You should consider getting a conservative and practical moped. Flashy and sports motorbikes usually have higher insurance quotes. If you get an older model, you will also get a lower rate. This will not be a problem because you do not use mopeds to look cool. They are usually used for practical reasons, like for travelling a short distance within your neighborhood.
You will also get a discount if you took moped driving lessons. Most insurance companies see you as a low risk customer because you have learned how to drive from professionals. Self-taught drivers or those drivers who had been taught by their family or friends are more likely t get higher rates.
You will also get cheaper quotes if you have a clean driving record. This means that you have not been involved in any accident in a specific time frame. If you have a DUI conviction, then be prepared to get exorbitant rates. Show your insurance company that you are a responsible driver and that you have not been involved in any moped-related accident recently.
You should also make an effort to protect your moped. For example, if the insurance company knows that you always keep your moped locked inside your garage or property, then they would most likely give you lower rates. You will also get lower rates if you install lights and wear a helmet. This shows that you are doing things to protect your moped and yourself against accidents or damages.