If you own a motorcycle, then probably you have heard about motorcycle insurance. Just like any other vehicle or auto, it is essential to cover your motorcycle with an insurance policy. The rates for the insurance are dependent upon a number of factors. Some of these are the make and model of the motorcycle along with. Your personal driving record. The age of all riders, the year the motorcycle was registered as well as custom parts and accessories that have been added to the motorcycle will influence the costs of the motorcycle insurance.