With the inherent danger of riding motorcycles, finding ways to lessen the cost of insurance is crucial to keeping yourself and your ride protected.
For Daytona Beach insurance agents, insuring motorcycles is a big part of their business. The area has become a Mecca for motorcycles, especially with two popular bike rallies each year. In the Daytona Beach, area the number of motorcycle owners per capita is at one of the highest levels in the nation.
With all the motorcycle owners and the biker rallies -- attracting about 500,000 riders to the area in February and 100,000 riders in October -- there also a lot of accidents. So, a Daytona Beach insurance agent is extremely familiar with the process.
Motorcycle insurance is required in Florida, and if you want to ride without a helmet, additional coverage is required.
Here are some basic tips to help you afford, or get, motorcycle insurance:

When you buy a bike, realize that the cost of that bike will relate directly to the cost of the insurance. It costs more to insure a $20,000 Harley hog compared to an $8,000 crotch rocket.

Take a motorcycle safety course. Insurers will feel better about insuring you if they think you know what you're doing on the road.

Make sure you understand the quote you are getting and whether you are getting the right amount of coverage and the right amount of deductible. If you can afford a higher deductible, of course, the policy premium will go down.

Show proof that you keep your bike in a garage or storage unit, rather than under a tarp in the front yard. The more secure you keep your bike, the less chance of theft, which could lower your premium.

Just like with your auto insurance, drive safely and avoid getting traffic citations. If you're accident-free, then your insurance will cost less.

Pay your premiums on time. Insurance companies appreciate customers who pay on time, just like the ones who avoid accidents.
While getting quotes for motorcycle insurance can be confusing, the World Wide Web has a lot of information about motorcycle insurance and how you can get a good quote. Also, don't forget to check out the company. While a small company you've never heard of may give you a cheap quote, they may not be around if have an accident. Check out the company to make sure it's in good financial condition.
The O'Quinn Insurance Agency is based in Ormond Beach, Fla., and provides motorcycle insurance to the greater Daytona Beach area.