With the gas prices currently on the rise and the economy slowing down there are more motorcycles on the road than ever before. Bikers have certainly changed. You might even catch your grandpa riding one.

Locating insurance is the main complaint of many new motorcyclists. The search for coverage is actually quite tough. If you just recently bought your first motorcycle you possibly have been told already by your current insurance company that they will not be able to supply coverage for your bike. If you have not bought a motorcycle and are thinking about it, check with your insurance company to find out what their policies are.

It may bother you that your current insurance company has refused to supply you with coverage. You may be a perfectly safe driver who has never allowed their policy to lapse. So why would they turn you down? Most of us know that combining insurance policies is a great way to save money. The fact remains that you may have to start using a new insurance company to get your motorcycle coverage. If you are stuck n your current policy or maybe just renewed it you may have to deal with having two different companies insuring you.

Insurance companies are only trying to protect their assets, the reason for not providing you with coverage is not really about you. The largest reason for not providing motorcycle insurance is because of other drivers, not you. Most people tend to ignore bikers creating a risk for more motorcycle accidents that are not the riders fault. Not being noticed on the road by other motorist’s puts bikers in a higher risk category for accidents.

Smaller accidents can create more serious injury on a motorcycle than in a car or truck. In a fender bender with a car or truck the insurance company might have to pay for paint and maybe a fender. In a fender bender with a motorcycle even a small mishap could bring a claim for replacement of the bike as well as serious injury to the rider.

There is very little protecting the biker from injury if they wreck and are knocked off their bike to the road. These issues make it more likely that there will be a claim for serious injury as well as a claim for a totaled bike. Helmet laws vary from state to state and insurance companies have to consider this. Some states will make a new biker wear a helmet and other states require no helmet at all. Travelling without a helmet is a huge factor in the insurance coverage and many companies are scared away from providing any coverage.

During the time you spend shopping for motorcycle insurance remember why it is so hard to find. You may have to call several places before finding an insurance company willing to provide motorcycle coverage at an affordable rate. With all the new bikes on the road there may be a change of heart for many insurance companies. If more people continue to ride to save money they will have to come up with a solution as they are in the business of making money and you have to go where the business is to make it