You love your motorcycle and the feel of the open air on the highway. Yeah, it can be a little louder than driving a car, but it's worth it. Plus, you're a safe driver and you keep your insurance up to date at all times. But, are you getting the best deal on your insurance?
Even with motorcycle insurance, there are ways that you can find bargains, get discounts, and save yourself some money without sacrificing good coverage.
Rule 1: Shop Around
This is the number one tip for all types of insurance. Make sure you do your homework and check out a few companies. You'll need to have all your information handy, like driver's licenses, account numbers, etc. Some companies may be a little friendlier to motorcycles than others. Just because an insurance company offers motorcycle insurance, doesn't mean they're good at it.
Take a Training Course
Some states require this when you got licenses, but not every state does. If you live in a state where this is not required, it's a great idea to enroll in a certified training course for motorcycle riding anyway. If you're an experienced rider, you'll experience can help the new riders. You'll be a better rider for it and the discount will be worth it.
Insure for How You Ride
Do you only take the bike out a couple of times per year? Do you tuck it away for the winter? Make sure that your insurance company knows the type of riding you do and your typical mileage.
Why pay the same as someone who uses their motorcycle for their daily commute?
Get Some Friends
Motorcycle riding can be even more fun when you're a part of a group like the American Motorcycle Association, Gold Wing Riders Association or Harley Owners Group. Not only will clubs like these give you a lot of information and friends to ride with, your insurance company may provide a discount on your insurance just for joining a group.
If you already have car and home insurance through one company, check with them first as you shop around. Chances are you can save big-time if you bundle your motorcycle policy in with the others. Most companies offer a multi-policy discount.
Get Credit for Good Riding
Are you a safe rider? If you've been riding for years and never filed a claim, you should point that out to your insurance provider. Many companies offer discounts to riders who have gone accident-free for a certain period of time.
Add the Bells and Whistles
While adding extra after-market parts to your bike can drive up the value of your bike and the cost of your premiums, there are certain additions that can get you discounts. Anti-lock brakes, theft-recovery system's and other safety features may help you save a little money on your premiums.
Ask For Discounts
Insurance companies offer a wide variety of discounts, but you may need to ask for them. You may find discounts for military, certain age groups or even based upon your payment method. Ask your insurance agent to sit down and go over all the possible discounts to see which ones you might qualify for. It's an easy way to trim a few dollars off that premium.
Shopping for insurance isn't the most enjoyable part of owning a motorcycle, but it is one of the most important. In the end, finding the perfect motorcycle insurance is kind of like finding the right helmet. It doesn't matter so much what it looks like, as long as it's a good fit and it protects you when you need it.