Find The Right Motorcyle Insurance Quote

Find Affordable Motorcycle Insurance Now

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Motorcycle Insurance

We all want to save money where we can. Fortunately, purchasing auto insurance doesn’t have to mess up that goal especially when you have a guide to help you shop for quotes, determine how much coverage to purchase, and being aware of possible discounts.

Shopping for Motorcycle Insurance Quotes

Shopping for motorbike insurance quotes is much like shopping for regular passenger car insurance. You can compare quotes online, talk with people you know about the insurance companies they use, or visit or call a few local agents in your area. It’s up to you. Any of those methods could help you get the most competitive insurance rate for motorcycles.

However, there are two factors you must keep in mind:

1.    Whether your current insurance company provides motorcycle coverage. Not all providers do, which means you’ll have to search for a company that either specializes in or also offers motorcycle insurance.

2.    Whether shopping with another company or regardless of whether your current company provides motorbike coverage we will help you save money.

The best way to weigh these factors is to ask your current company if it offers motorcycle coverage and talk with other companies about their motorcycle insurance rates.

Required Information for Insurance Quotes

In order to obtain a motorcycle insurance quote, be prepared to provide the following information:

  • Your motorcycle VIN, or a detailed description of your motorcycle’s make and model.
  • The year your motorcycle was registered in your name.
  • Your auto and motorcycle insurance history.
  • Your driving record and the driving records of any other riders you wish to add to your policy.
  • Date of birth of all riders you wish to insure.
  • All information regarding custom parts and accessories added after the motorcycle left the factory.

Buying the Right Amount of Motorcycle Coverage

Naturally, you at least have to purchase the amount of coverage that meets whatever minimum motorcycle insurance requirements your state mandates.

However, once you have that covered, ask your agent how much you quotes would vary if you added more say, accessories coverage, comprehensive and collision, uninsured and underinsured, or even motorcycle roadside assistance.

You might find that your bike calls for some of these additional coverages; however, you might find that adding them when you don’t really need them could significantly increase your quotes.

Be sure to talk with your agent about the requirements you must meet and the coverage types you might or might not need.

Motorcycle Insurance Discounts

Aside from comparison shopping, you can save money on motorcycle insurance by looking into motorcycle insurance discounts.

Many providers offer discounts for:

  • Bundling your coverage. For example, purchasing your motorcycle coverage from the same company that provides your regular car insurance.
  • Completing a motorcycle safety course, or being a motorcycle safety course instructor.
  • Insuring more than one bike.
  • Being a mature rider. (The company will give you details about its definition of a mature rider.)
  • Renewing your policy with the company.

Remember to ask the company or your agent about each of these possible discounts, as well as about any other discounts for which you might be eligible.

Motorcycle Insurance Discounts

So, you've been smart and shopped around for the most attractive motorcycle insurance rates.

But, don't stop there. You can still save a considerable amount off the quoted rates or perhaps even off your current premiums if you take advantage of the discounts available to you.

It's up to you to seek these savings. Your motorbike insurance company or agent may overlook or forget to mention these discounts.

Common Motorcycle Insurance Discounts

While it's best to investigate what each motorcycle insurance company offers either online or by phone most discounts fall into these categories:

  • Being a safe rider.
  • Insuring multiple motorcycles.
  • Purchasing a multiple-policy (such as homeowners, auto, or life).
  • Living in a certain location, usually one considered safe with a low-crime rate.
  • Being a mature rider which, depending on the provider, could relate to age, experience, or both.
  • Belonging to a motorcycle riding association.

Learn the details about these programs and how they can help you save money from the individual carriers, as they can differ widely. And, keep in mind you may eligible for other discounts; these are just the primary ones.

Insurance companies prefer safety-conscious, loyal customers, and construct their discounts to favor them. So, if those characteristics describe you, you should find at least one type of discount you can use.

Motorcycle Safety Courses

Riding a motorcycle is inherently risky. Insurance companies have it in their best interests to lower the risks that come with operating a bike. With this in mind, it is understandable that motorcycle insurance carriers would offer discounts to riders who attend and complete motorcycle safety courses.

Not only do insurance companies want to keep you safe, most states do too. The majority of states that require motorcycle insurance, also require insurance companies to give riders a discount for completing state-approved motorcycle safety course.

The discount for completing a motorcycle safety course may vary amongst insurance companies. Check with your agent to learn more about this discount.

How Much You'll Save

Many insurance providers allow you to "stack" discounts. In other words, applying more than one.

Because you can often trim 5% to 10% off your premiums with a single discount, imagine how much you save with several.

Determining Your Rates

The more you know about how motorcycle insurance companies determine the rates of your premium, the more action you can take to save on your motorcycle insurance.

Motorcycle insurance providers will commonly factor in the following to help determine the price of your premium:

  • Your:
  • Age.
  • Gender.
  • Marital status.
  • Credit history (some states prohibit the use of your credit history as an insurance rating factor).
  • Driving record.
  • Insurance claims history

Maintaining a good credit and having a relatively clean insurance claim history can go a long way in saving you on motorcycle insurance. But nothing saves you on insurance quite like having a clean driving record. Drive safely and avoid traffic violations and you will potentially see big savings on your motorcycle insurance.

Other Ways to Reduce Your Motorbike Premiums

Exhausted all your discount opportunities and still feel your rates are too high?

You can further trim your premium costs by increasing your deductibles, riding a less expensive bike, cutting back on coverage, or insuring your bike seasonally. But, consider each of these moves carefully, as they all can carry some drawbacks.

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