Many insurance providers offer discounts to riders who complete approved motorcycle safety training. These programs, such as those offered by the Motorcycle Safety Foundation (MSF), teach defensive riding skills, traffic strategies and accident avoidance. Completing a course shows you're serious about being a safer rider, which can translate to lower rates.
Before signing up, check with your insurer. Some carriers require the course to be certified to qualify for a discount. Your agent can help you find a course to help lower your rates.
How to Reduce Your Motorcycle Insurance Costs
Aside from taking a safety course, there are other ways to reduce your premium. Here are a few practical tips:
- Maintain a clean driving record—Steer clear of traffic violations and accidents. Safer drivers often get better rates.
- Choose a less expensive bike—Premiums are higher for high-performance motorcycles with powerful engines.
- Increase your deductible—A higher deductible usually lowers your premium. Choose an amount you can afford to pay in case of a claim.
- Bundle insurance policies—If you have auto or home insurance, bundling them with your motorcycle policy can lead to discounts.
- Change coverage to match seasonal use—If you only ride for a part of the year, ask your insurer about lay-up policies or usage-based pricing.
- Store your bike securely—Parking in a locked garage or using anti-theft devices may help lower your rate.
For more ways to save on motorcycle insurance, contact Insurance Discounters of Texas today. Our agents can help you find discounts and recommend appropriate coverage.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.