5 Tips for Saving Money on Motorcycle Insurance

If you are one of the many millions of people in America who own a motorcycle, there are lots of things you can do to help you get not only the best insurance coverage for your motorcycle but also get the best rates you're entitled to. Here are 5 of the top tips we think you should consider:

1. Just like insuring your car, the safer and more basic your model of motorcycle, the less money you'll pay for insurance. Sportier motorcycles - like sportier cars - cost more to insure because they are at a higher risk for being stolen and also cost more to repair. Your best bet is to purchase a more basic, less souped-up model which will help you keep your costs down. Another good idea is to determine how much of a deductible you can afford on your comprehensive and collision coverage when you shop around. The higher your deductible, the less you'll pay in your insurance premiums.

2. Talk to one of our knowledgeable insurance agents and let them know how you typically drive your motorcycle. For example, if you're just a weekend driver (as opposed to someone who drives a motorcycle back and forth to work each day), it will likely cost you less to insure your motorcycle because your risk is not as great as someone on the road every day. If you store your motorcycle in a garage (instead of parking it on the street), that can also save your money because it lowers your risk for theft. If you live is a state that usually has snowy winters, that means you may have to put your motorcycle into storage for the winter and that too will lower your costs. The more information you can share with our insurance agents, the better equipped they are to factor all of that in to get you the most affordable insurance.

3. Many states offer motorcycle training courses, both for beginners and more advanced riders. Ask our insurance agents if taking a refresher safety course can help you get an additional discount on you insurance premiums. And, of course, age and experience matter when you buy motorcycle insurance so have our agents check to see if there are discounts available for more mature drivers and for drivers with no accidents or points on their records.

4. Ask our agents if having your motorcycle insurance with the same insurance company as your homeowners insurance will help lower your costs. Most insurance companies will offer you a discount on your premiums for what is called "bundling" your policies with the same insurance company.

5. Consider joining a motorcycle association. There are many located throughout the country and not only do they provide great networking resources for finding riding events in your area but belonging to one can also help save you money as many of these motorcycle associations partner with insurance company to offer their members motorcycle insurance discounts.

Give us a call at 800-437-3316 and let us help you find the best motorcycle insurance at the best rates for you. We'll work hard to make sure you not only have great insurance but receive all the discounts and savings you're entitled to.