Have a Clean Driving Record<\/h3>\n\n\n\n
If your driving record shows that you haven\u2019t had any at-fault accidents or traffic violations in the last few years, then you\u2019re likely to get a discount for \u201cgood behavior.\u201d<\/p>\n\n\n\n
If you\u2019re not sure what\u2019s on your driving record, you can find out by contacting your state DMV.<\/p>\n\n\n\n
Secure Your Bike<\/h3>\n\n\n\n
Motorcycles are much easier to steal than cars, so it\u2019s no wonder why keeping your bike secure<\/a> is such a big deal. If you keep your motorcycle in your garage at night instead of parked outside, chances are that your insurance company will be willing to offer a discount on your premium. Also, each motorcycle insurance company has its particular list of approved security systems. If you have one installed or if you\u2019re willing to get one installed, you can look forward to even more insurance savings.<\/p>\n\n\n\n If you only use your motorcycle for part of the year, your insurer can likely offer lay-up insurance. For a reduced rate, the insurer will cover theft and damage to your motorcycle while it\u2019s in storage. Once you\u2019re back on the road, simply let your insurer know so that you can receive full coverage again.<\/p>\n\n\n\n Most insurance companies charge more when they see that you\u2019ve had gaps in your motorcycle insurance coverage, even if it was because you weren\u2019t using your bike. The longer you stay insured with no gaps, the lower your premium will be. Note that maintaining lay-up period insurance won\u2019t count as a gap in your coverage.<\/p>\n\n\n\n Occasionally, insurance companies offer special discounts to customers switching from another insurance company. Just don\u2019t expect to get the same discount when you renew your policy!<\/p>\n\n\n\n Most insurance companies offer discounts to customers who have multiple policies with them, especially auto or homeowners insurance. In many cases, having a policy within the same household counts, so your spouse or partner\u2019s policy can still get you a discount and cheaper motorcycle insurance.<\/p>\n\n\n\n For collision and comprehensive motorcycle insurance, you usually have some flexibility in setting your policy\u2019s terms. If you\u2019re looking to save some money on your premium, you should consider increasing your policy\u2019s deductibility. If your motorcycle is damaged, the deductible is the amount of money you agree to pay before the insurance company starts covering the costs. A higher deductible means that you\u2019re covering a larger share of the costs in case of an accident or theft. That\u2019s why the insurer is willing to charge a lower premium when you increase the deductible.<\/p>\n\n\n\n The downside is that if there is an accident or theft, you\u2019ll be faced with a higher surprise bill. So always make sure that the deductible is an amount you\u2019re comfortable paying at a moment\u2019s notice to repair your motorcycle.<\/p>\n\n\n\n Another option for collision and comprehensive motorcycle insurance is to decrease the policy limit. The policy limit is the maximum amount the insurance company will pay if your motorcycle is damaged. Since the insurance company is on the hook for less money, a lower policy limit means a lower premium.<\/p>\n\n\n\n If the value of your motorcycle is well below the policy limit, then it makes a lot of sense to lower the limit. You might consider further lowering the policy limit if you\u2019re comfortable doing that. The downside is that you\u2019ll get less money from the motorcycle insurance company if your motorcycle is damaged or stolen.<\/p>\n\n\n\n It\u2019s usually cheaper to pay the entire premium in advance. If you can\u2019t afford to do that, then opt for the payment plan with as few payments as you can manage \u2014 plans with more installments usually have more added fees.<\/p>\n\n\n\n In addition, many insurance companies will offer a small discount if you choose to pay online or sign up for automatic payments by credit card or bank transfer. If you do sign up for automatic payments, just don\u2019t forget to set a future reminder to yourself to make sure that there\u2019s enough money to cover the payment.<\/p>\n\n\n\n Even if your first motorcycle insurance quote looks like a great deal, it\u2019s still a good idea to shop around and get at least two or three additional quotes just to make sure you\u2019re making your decision based on enough information.<\/p>\n\n\n\n As you request and compare different motorcycle insurance quotes, it\u2019s important to ask yourself a few questions:<\/p>\n\n\n\n If you\u2019ve been involved in any at-fault accidents or traffic violations recently, then you should share this with the car insurance company so they can give you the most accurate quote.<\/p>\n\n\n\n Remember that policy limits and deductibles affect the motorcycle insurance premium. That\u2019s why you should make sure that you\u2019re comparing \u201capples to apples\u201d and that all the policy limits and deductibles are the same. If they\u2019re not, contact the insurance company and ask for a revised quote with the deductible and policy limit you\u2019re looking for.<\/p>\n\n\n\n Just because the coverage is available doesn\u2019t mean that it makes sense for you to pay for it. Beyond the legally required minimum liability coverage<\/a>, the purpose of insurance is to help pay for expenses that you couldn\u2019t pay yourself in an emergency. For example, if you know that you could get around in your automobile if your motorcycle needs to spend some time in the shop for repairs, then it doesn\u2019t make sense to purchase courtesy bike coverage (a rental bike for you to drive until your own bike is ready).<\/p>\n\n\n\n You might feel like motorcycle insurance is supposed to be expensive. But that doesn\u2019t mean you can\u2019t get a good deal! You\u2019d be surprised how quickly people find motorcycle insurance that\u2019s cheaper than what they\u2019re already paying. All it takes is a few minutes to get a quick online quote, though speaking directly to an expert online or in-person is always an option too.<\/p>\n\n\n\nAsk About Lay-Up Periods<\/h3>\n\n\n\n
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<\/figure><\/div>\n\n\n\nStay Insured<\/h3>\n\n\n\n
Become a New Customer<\/h3>\n\n\n\n
Be a Repeat Customer<\/h3>\n\n\n\n
Increase Your Deductible<\/h3>\n\n\n\n
Decrease Your Policy Limit<\/h3>\n\n\n\n
Pay Your Premium Up Front or Pay Online<\/h3>\n\n\n\n
Get Multiple Quotes to Find the Best Cheap Motorcycle Insurance<\/a><\/h2>\n\n\n\n
Do All the Quotes Consider the Same Information?<\/a><\/h3>\n\n\n\n
Do All the Quotes Have the Same Policy Limits and Deductible?<\/a><\/h3>\n\n\n\n
Do I Need (or Want) All of the Coverage Options?<\/a><\/h3>\n\n\n\n
The Sooner You Start Looking, the Sooner You Start Saving!<\/a><\/h3>\n\n\n\n