Designer items are increasingly becoming must-haves. With everything from clothing to mobile phones to televisions, everyone loves those exclusive designer products. The same is true about motorcycles. Vintage bikes and custom choppers are big-ticket items these days. But be warned that your expensive taste may cost you more when it comes to your NJ motorcycle insurance.

Vintage bikes and parts

Vintage bikes look great, but they often incur high premiums. Why? Not only are older bikes more likely to suffer from part failure, but they're harder to repair. This is because your mechanic will need to call in special parts for your bike, which can be an expensive undertaking.

Exotic bikes

Exotic bikes may be eye-catching, but they suffer from some of the same issues as vintage bikes. The parts for these bikes may be rare and therefore expensive, and having them shipped from overseas can be time-consuming which may add to the cost. In some cases these bikes need to be worked on by specialist mechanics, which adds to the overall repair fees.

Expensive bikes and custom choppers

Expensive bikes may not be as rare as vintage or exotic bikes, but they pose a risk to your insurance company. The replacement cost of an expensive bike can be hefty, and this is a factor that directly influences the cost of your NJ motorcycle insurance premium. And if you choose a high powered bike, you may pay more too.