Helpful Tips For Riders To Lower Motorcycle Insurance Rate

​Riding your motorcycle can give you freedom and a fun commuting experience. Even so, it can bring more threats to riders than driving a car. And with that, the importance of having insurance is undeniable. The motorcycle insurance cost will depend on the rider’s age, location, type of motorcycle, driving history, and insurance policies. But here are some tips to help riders lower the insurance cost:

1. Have A Motorcycle Safety Course
   Motorcycle Safety Course helps people become safe riders. And by completing this course, some companies often offer a 10% to 15% discount on the rider’s premium. The reason behind this is that companies will assume that a rider who’s educated in safe riding will have fewer insurance claims. It is also required for young riders (who ages under 21 years old) to take Motorcycle Safety Course in some states. 
2. Keeping A Clean Driving Record 
   Driving history is one of the significant factors that affect a rider’s motorcycle insurance premium. As mentioned earlier, it is crucial to be a safe rider for insurance companies. For them, riders with bad records will be most likely have more insurance claims. Nevertheless, if a rider has a clean record, he can get a Preferred Operator Discount.
3. Choose The Right Motorcycle Coverage
   If you ride your bike occasionally, make sure that the insurance company knows this. The infrequent you ride, the less you file insurance claims. You might also want to consider having Low Mileage Motorcycle Insurance as it helps you save up to 25% off on your premium. However, note that you can’t exceed the limited miles, and the percentage of discount that you could get still depends on what companies offer.
4. Secure Your Motorcycle
   Over 40,000 bikes were reported stolen in the US last year. Securing your motorcycle is not just important, but it can also help you lower your insurance premium cost. It’s best to park your bike in a secured area and use an anti-theft lock. But don’t forget your own safety and wear proper gear when riding.

Conclusion
Every rider wants to insure their motorcycle journey while paying less. With these tips, it’s possible to lower your insurance premium rate. Riders can also customize their motorcycle insurance policy to get the coverages they only needed the most and cut down expenses from unnecessary ones. 

At Kapasu Insurance Services Inc, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (760) 995-3853 or Click Here to request a free quote.