3 keys to cheaper motorcycle insurance

Dear Terry,
My question is about motorcycle insurance. I am an older first-time motorcycle buyer. What is the cheapest way to insure my motorcycle? I have been insured with the same auto and home insurance company for 12 years with no accidents or claims.

Also, what do I check to make sure I don't get a "lemon" motorcycle?
-- Bud

Dear Bud,
Regarding insurance, your rate will depend on three factors: engine size, cost of the bike and whether you have taken motorcycle training classes. To compare insurance rates, check out InsureMe (a Bankrate company).

And although I have never used the service, there is a company -- Cyclechex -- that offers a vehicle identification number check service for motorcycles.

Here are this week's reader questions:

• Credit crunch killing car lease deals • How do I get cheap motorcycle insurance? • Will an insurance query hurt my credit? • Can I take over my mom's car loan?

If you have a question for Terry, e-mail him at Driving for Dollars. Save money on your car -- sign up for Bankrate's new weekend Car & Money newsletter.