Whether you’re a lifelong motorcycle enthusiast or this is your first summer on your bike, there’s no understating the importance of motorcycle insurance. Many riders simply lump their motorcycle coverage into their regular auto insurance policy without a second thought, but this can end up costing you a lot of money in the long run. Smart decisions about who you purchase insurance from, what kind of coverage you want, and even the discounts you look for will help keep your wallet full and your bike covered. Learn more about some common ways to save money on motorcycle insurance ahead.
Join a Riding Club
Motorcycle associations and clubs such as Harley Owners Group or the American Motorcyclist Association are fantastic opportunities for bikers of all experience levels. A club membership can earn you discounts on your insurance policy, though the exact rules for this will vary depending on your insurer. If you want to join a club just for the savings, check with your provider first to make sure they offer the discount you’re looking for. Even without a specific club discount, though, you can learn a lot by joining a motorcycle association. Other members can offer recommendations, advice, and other helpful information about every part of the riding experience.
Take a Class
Insurance providers know that practice makes perfect. The more experience you have on your motorcycle, the safer you’ll be in the eyes of your insurance provider. This is why many insurance companies offer discounts for individuals who complete motorcycle classes and other relevant courses. A certificate from a motorcycle safety class or similar experience proves that you know what you’re doing and will be a responsible rider on the road, meaning insurance companies will be far more likely to offer you discounted rates.
Shop Around
As with all forms of auto insurance, it helps to know your options. Comparing providers, finding quotes, and carefully considering your coverage options are some of the best ways to save money on motorcycle insurance. You don’t have to do all this research on your own, either. As mentioned above, you can get great recommendations and advice from members of a motorcycle association. You can also find tools to help you quickly and thoroughly compare quotes online. Be sure to look at different options, like bundling your policies or raising your deductible. Take the time to find a provider and policy that fits your bike, your budget, and your lifestyle.
