What are the risks Denver motorcycle insurance works so hard to protect you from?
Denver motorcycle insurance protects you and your motorcycle against theft, collision, and accidents which may result in injury or even death. In 2012 alone, there were 46,061 motorcycle thefts
in the United States. The fact that the statistics surrounding motorcycle theft are so high, indicate that motorcycles are in a high-risk category, which can cause your insurance premiums to increase as a result. However, many factors influence the likelihood of theft when it comes to assessing the risk factors surrounding your motorcycle.
These factors can include location (New York City currently holds the highest record of motorcycle thefts of all US cities), where your motorcycle is stored (motorcycles are less likely to be taken from secured garages than off the street), and even the make of your bike (Honda was found to be the manufacturer with the most thefts in 2012).
While thefts remain high, motorcycles are at an even higher risk of collision. According to the NHTSA
, 4,957 people died in motorcycle crashes in 2012 in the US, making up 15% of all vehicle-related deaths (even though motorcyclists amount for only 3% of drivers). Of these deaths, 79 occurred in Colorado. The NHTSA further reports that motorcyclists are 30 times more likely to die in a crash per vehicle mile traveled than car occupants.
Because the number of motorcycle-related collisions is so high, and because the likelihood of injury and death is so high, insurance premiums can be costly. However, these premiums can be influenced by insurance history and driving records as well, which is why it is important to contact an insurance broker who can help you find the right coverage at the best premium rate.
Contact DCInsurers - Mountain today; our experienced insurance specialists can help you find the best Denver motorcycle insurance so you can take your peace of mind on the road with you.