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Tips to Save on Motorcycle Insurance

Ten Ways You Can Save Money on Motorcycle Insurance

The price of insurance is the result of insurance companies calculating the risks and levels of insurance protection needed. Because of these factors, the costs of insuring a motorcycle can be very expensive. While the costs of insurance are increasing, there are ways to lower the cost of your motorcycle insurance. Here are ten ways to reduce your insurance premium costs.

Take A Motorcycle Safety Class

Taking classes is probably not high on your list of priorities. However, many insurance companies will offer you a discount for taking this class. The classes are inexpensive and only take a weekend or two to complete. These courses teach students how to operate a bike properly, control the bike in various scenarios, and riding safety. When you complete the course, you will get a certificate of completion. Show this certificate to your insurance company and DMV. Both new and experienced drivers should be able to take advantage of this discount.

Own Smaller Bikes

When it comes to bikes and insurance costs, size matters. The larger your motorcycle's engine, the higher your insurance costs. Insurance companies justify this pricing discrepancy by assessing the risk associated with larger bikes. They believe that more the more cc's a motorcycle has, the more powerful it is. The increase in power means you can drive faster for a longer period of time, increasing your risk of being involved in a high-speed collision.

As you shop for a motorcycle, remember that your insurance rates will spend on the bike's size. If the is your first bike, you probably want to keep it small until you acquire enough riding experience. If you know the type of bike you want to buy, contact your insurance company to find out the insurance cost. This will help you get an idea of how much you will pay to ensure a motorcycle and possibly have an impact on your choice of bike.

Tailor Your Insurance Coverage to Meet Your Needs

You want your insurance coverage to reflect the way you will use the bike. If you are a weekend rider, your insurance should be much cheaper than it would be if you rode your bike every day. When you sign up for coverage, make sure your insurer is aware of your riding habits. Doing this will allow you to pay for the coverage you need.

Have a Clean Driving Record

Having a driving record with a few, or no, accidents, tickets, or other infractions can have its benefits. Ask your insurer whether you qualify for an insurance discount that is based on your driving record. Know what your driving record is before contacting your insurance company. Several insurance providers offer discounted rates to preferred motorcycle riders.

Age-Related Discounts

Most insurance companies offer lower rates to older riders, especially if these riders have a good driving record. The age you need to be to take advantage of these discounts depends on the insurance company.

Change Your Deductible

The amount of money you are responsible for paying after a car accident is called the deductible. Raising your deductible reduces the amount of risk that the insurance company assumes. The decreased amount of risk is why the company will lower your premium. The one caveat to raising your deductible is making sure you have the money to pay any costs if you are in an accident.


A lot of insurance companies that offer auto insurance also offer home, motorcycle, and recreational vehicle insurance. If you have any other types of insurance coverage, see if you can switch them to the same company. Insurance companies will often offer bulk discounts if you have multiple insurance policies with the company. Even though bundling will give you a discounted price, make sure you do your research to find the best prices.

Organization Discounts

Some insurance companies develop relationships with organizations. If you belong to an organization, contact your insurance company to see if they offer your organizational discounts. You may be able to get an organization discount that will help decrease your motorcycle insurance costs.

Select the Right Bike

Some types of motorcycles are considered to be riskier than others. If you have a sport or supersport style of motorcycle, you may pay a higher insurance rate. Unless you really want one of the motorcycle models that are deemed high risk, choosing a different type of bike may save you a lot of money.

Improve Your Credit Score

Having bad credit can adversely affect many aspects of your life. It's widely known that bad credit can affect your ability to get approved for a loan. It's not as known that your credit rating can affect your insurance premiums. You may want to check your credit report. Having a low credit score can mean paying a higher premium amount. If your credit is not that great, work on improving it.

Motorcycle insurance premiums are expensive, but they don't have to be. There are a few things you can do will help you pay less to insure your bike. All of the above-mentioned solutions may not work for you, but it's more than likely that one will. While these savings tips may not provide huge savings up front, you will save a lot of money over time.


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