To get the best and cheapest insurance offers, it is highly recommended to think with the insurer's mind: what would be your selection criteria when deciding about offering coverage to a motorbike owner? Here are some tips to help you:

1. The type of your vehicle: for a luxurious, expensive and very powerful bike you will have to pay a more expensive coverage than for an ordinary, basic chopper. Speed and performance have their price also, and modifications on your bike won't lower your premium rates either. Increase of engine power will make it faster and thus more dangerous, while a new style and look will make it more desirable in thieves' eyes.

2. Riding experience: if you are very young, or a first rider, your coverage rates will be higher. An experienced rider will benefit of lower costs, accordingly. However, the age and experience factor differs from company to company, therefore shop around if you want to find the best way to avoid this factor.

3. Driving and working area: insurance companies will check out the area where you live and where you usually drive. If the accident or crime risks are higher in that area, your can also expect some high rates. The whereabouts of your workplace also plays an important role here: if there are no safe parking possibilities next to your workplace, your policy will be increased according to the damage risks to your vehicle. Of course, it also adds a bonus point to your policy request if you keep your bike in a garage, and not on the street at night.

4. Clean driving license: your history will haunt you for a long time! The safer driver you are, the better offer you'll get. Speeding violation tickets, accidents and collisions, or law suits against you, will not make you a good candidate in the insurer's eyes.

5. Safety equipment: having helmets, and other protective gears will make you a more reliable candidate for insurance agencies.

Another important problem you have to deal with is: where to get the insurance from? There may be a lot of agencies in your area with a confusing variety of prices. Your first step should be to sacrifice one or two days for getting information, and shop around for the best offers. This means a lot of phone calls, and also Internet surfing. Sometimes the cheapest offers do not bring you the desired peace of mind. Compare prices as well as coverage details, and also check out the laws and regulations your country has regarding the purchase of motorbike insurance. An ideal coverage should contain the following items:

- Includes you and/or another driver: that is a combination of liability insurance and comprehensive policy.
- Uninsured motorcyclist: if someone uninsured causes damage to you and/or to your vehicle, your policy will cover the expenses of such incident.
- Accidents, collisions, vandalism, theft (in some policies, the last two belong to the so called extra category)
- Medical payments: this covers the expensive treatments in case you are bodily injured in a traffic accident
- Discounts (which is usually offered if you take an accredited safety course)
- Roadside help
- Non stop support system

When trying to find the best offers, try to ask for the advice of fellow riders. The Internet can be of great help again: there are forums, blogs, riders' associations, community chat rooms from which you can get important and precious information in a very short time. Don't be shy and share your personal experiences as well! Your opinion is equally important, and may stimulate others to get the best policies according to their needs.