How do I find the best Motorcycle Insurance and lowest possible rates for me?
Does my motorcycle policy cover aftermarket add-ons?
What about my safety apparel? Is it covered?
Am I eligible for a first-accident waiver?
Are there any higher Liability-coverage limits available?
Are there any available discounts for motorcycle coverage?
Riders can also lower their rates by bundling other policies with the same insurance provider.
Maintaining a safe riding and driving record is another effective way to lower premiums. Most providers will reward riders with lower premiums for going a certain number of years without having an accident. Being accident free in your regular vehicle can also impact your motorcycle rates.
You can also slightly lower your premium by paying an entire six-month coverage period at once, as opposed to paying it monthly.
You can also raise your deductible amount. The more you choose to pay out of pocket for a future claim, the less you will pay in premium.
Getting older—especially in the absence of serious accident or citation—will also automatically reduce your rates over time.
Beyond these most common ways to lower motorcycle insurance rates, a number of providers also offer various company-specific discounts. To find out what unique discounts your provider might offer, give them a call.