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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 motorcycle 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:
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