Cheap Insurance Company for Age22/Male/Married?

[jackiejai]

so just to clarify i was wondering if anyone knew any insurance companies that give cheaper insurance to a 22 year old male that's married? im not sure if that even make a difference like auto insurance does

any help would be great thanks

[Avi Singh]

so just to clarify i was wondering if anyone knew any insurance companies that give cheaper insurance to a 22 year old male that's married? im not sure if that even make a difference like auto insurance does

any help would be great thanks

Marital status is not a rating factor with any of the bike insurers I've had experience in dealing with. You'll need to call around and get some quotes.

[VifferFun]

Your marital status puts you in a slightly better class than your non-married friends for Auto Insurance, but I have never heard of it being used for bike insurance.

You might find this post helpful:
http://www.gtamotorcycle.com/vbforum...d.php?t=111466

[GTASynthetics]

It should be cheaper when you are married, because most of your riding time is limited by her nagging at you because you want to go ride.

The only reason they have a passenger seat on sportsbikes is so that you can put your nagging wife/gf back there to hush her up for a while.

[jackiejai]

Lol

[VifferFun]

It should be cheaper when you are married, because most of your riding time is limited by her nagging at you because you want to go ride.

The only reason they have a passenger seat on sportsbikes is so that you can put your nagging wife/gf back there to hush her up for a while.

But having a passenger not only increases the probability of a collision, but also results in two injured people instead of just one.

Perhaps we should investigate a "passenger-free" discount to solo riders if you agree to never have a passenger on your bike?

[Avi Singh]

Perhaps we should investigate a "passenger-free" discount to solo riders if you agree to never have a passenger on your bike?

How do you regulate it though? What happens if someone with this discount carries a passenger anyway and gets into an accident. The company will still have to pay. It would be no different than signing an agreement to ride only one bike at a time.

[Snoman13]

If that person who has a passenger-free clause ends up crashing with a passenger on the back, then the company wouldn't have to pay out anything.

(That's my understanding of it.)

[VifferFun]

How do you regulate it though? What happens if someone with this discount carries a passenger anyway and gets into an accident. The company will still have to pay. It would be no different than signing an agreement to ride only one bike at a time.

I was thinking of something similar to the OPCF28a endorsement, where the listed operators would sign a form agreeing to never carry a passenger. This is different from the "one bike at a time" concept because you only need the bike's operators to sign the form.

Anyways, I'm getting ahead of myself because I haven't even attempted to prove that a passenger adds risk and claim costs, although it seems like a pretty good guess.