What Factors Affect The Price Of Motor Scooter Insurance?

When it comes to insurance for any motor vehicle you own you should never assume anything. Many people assume that if they own a motor scooter as opposed to a motorcycle then they do not need to register or insure it.

Before you take your motor scooter out on the road you absolutely need to check with your local Department Of Motor Vehicles to find out the rules that apply to motor scooter insurance. More than likely your state has laws that mandate the motor scooter insurance needs for even the smallest of scooters and you would be surprised at your insurance and registration responsibilities.

In some states motor scooter insurance is not required for scooters below a certain size (many states use 50cc as a cut off point where anything 49cc and smaller does not require coverage) but to be completely sure you need to contact your DMV and find out exactly what the laws are that govern motor scooter insurance in your state so that you can properly abide by them.

What you use your motor scooter for can also affect the price and scope of the motor scooter insurance that you would need to get. If you bought your scooter simply for entertainment and have no intention on regular usage then you would need different motor scooter insurance than someone who purchased their motor scooter to get to work every day.

Keep in mind that if you try and cheat the system by getting less insurance and you get into a scooter accident on the way to work you could be liable for insurance fraud. So being honest with your insurance agent when you are getting motor scooter insurance is extremely important so that not only you are properly covered but so is anyone that you may get into an accident with.

Where Do You Intend To Ride Your Scooter?

If you plan on keeping your scooter off the major roads and highways then this could help you get a lower motor scooter insurance rate. Keeping away from known areas of traffic can help to reduce your risk and also help to reduce your cost of insurance. Check with your agent to see if you can get a reduction in your insurance costs if you stay on the back roads and avoid the major traffic arteries.

It may be difficult to find an insurance agent that is knowledgeable about motor scooter insurance but most of them have the necessary resources to get you the information you need and the prices you are looking for. Make sure you are up front with your agent and reveal everything they would need to know to put together the right policy for you.