Where can you find cheap motorbike insurance? Certain factors affect how the companies will rate your premium such as:

1) Your bike - as with cars, if you have the newest, flashiest more expensive model then you will pay a higher price. If you are new to motorbikes, it is a good idea to go for an older model to start with. Apart from reducing your policy charges, it is better to practice your new skills on an ancient motorcycle than a pristine machine.

2) How long you had your license? If you have only just qualified the chances of you being in an accident are statistically quite high and this will make the accessor nervous. You can improve your risk profile if you complete some advanced courses and post your certificates to your insurance company.

3) Your age - again statistically teenagers and younger drivers are more likely to have accidents due to immaturity combined with a lack of driving experience. Not all young drivers behave irresponsibly but they do end up paying the price of the others. All you can really do is prove that you are responsible and mature by not getting into any trouble and steering clear of accidents. Building up your no claims bonus is one way to reduce future costs.

4) How you intend to use your bike? - If you are going to travel to work every day, you will pay higher charges than someone who only uses it for casual outings at the weekend. The problem doesn't always lie with the biker but with irresponsible car drivers who appear to think bike owners are both invisible and invincible. If they run over you, you will walk away. Unfortunately as we all know this is not the case. Also where you park your bike will affect your policy.

5) Your driving history will be taken into account including any accidents you had while driving a motor vehicle. Yes I know it is like comparing apples and oranges but the actuaries are looking for trends.

So now you know how they access your application, what other tricks can you use to drive down your premiums?

You need to shop around for quotes as they can vary considerably from one insurer to the next. You need to raise your deductibles. If they see that you are prepared to take on some of the risk, they will reward you with lower costs.

If possible try to fit security features to your bike to help prevent it being stolen i.e. alarms and immobilizers'. Park your bike in the garage and not on the drive. If you don't use the bike for work, you should qualify for a discount as your mileage and therefore your chance of being in an accident is lower.

Another way to reduce your costs is to make sure you are not over insured as some policies such as your household or medical may provide overlapping similar cover. Cheap motorbike insurance is available; you now know how to get it!