Compare Bike Insurance with Apples to Apples Quotes You might wonder why when you compare bike insurance with a friend you are paying more. Comparing your insurance with a friend or family member is not an effective way to find out if you are paying too much for your insurance. The main reason behind this is that you are comparing a completely different bike and a completely different person. Your friend may have more driving experience, a better claims record, a better driving record, and a more affordable bike. The only way to truly see if you are paying too much for your insurance is to request quotes and then compare. Have the following information available and compare your insurance right. Declarations Page If you already have bike insurance, comparing rates is extremely easy. Make sure you have a copy of your most recent declarations page and the agent can get most of the information they need directly off of the page. Driver License and Driver Info Some declarations pages will not have information on the listed drivers of the policy. Make sure you bring the date of birth of all of the drivers and their license numbers. It is also helpful if you know if they have tickets or accidents and how long they have been driving. Lender If your bike is financed, bring the name and mailing address of the lender. This makes things easier when you choose to switch to a more affordable premium and will prevent any extra charges from the lender. There are so many different ways to request quotes. You can call an agent, call a 1- 800 number, or request quotes online. Make sure you compare premiums from a few different companies and then you will find out if you have been paying too long for your motorcycle insurance for the last 5 years.