Helpful Tips For Riders To Lower Motorcycle Insurance Rate

11/21/2020

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:

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.
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.
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.
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.

6 Comments

kate hansen link

9/23/2021 02:45:27 pm

It's good to know that you should choose the right coverage. My sister recently got a motorcycle. I'll make sure to pass this information along to her so that she can know tips about getting insurance for it.

John Carston link

11/23/2021 04:08:44 pm

It helped when you mentioned that it is important to have a rider safety course at it can give you a 10% to 15% discount on the rider’s premium. My uncle mentioned to me last night that he is planning to have motorcycle insurance for his new motorcycle and asked if I have any idea what is the best option to consider in choosing the best insurance company. Thanks to this informative article and I'll be sure to tell him that it will be much better if he consults a trusted motorcycle insurance company as they can answer all his inquiries and will provide the insurance he needs.

Olivia Smart link

3/14/2022 10:30:36 am

Thank you for explaining that taking a motorcycle safety course could lower your insurance premium. My brother just bought a motorcycle and has been wondering about insurance and how to save some money on it. I'll pass this on to him and see if he can find a good course in his area.

Tex Hooper link

8/1/2022 04:53:19 pm

You make a great point about how low mileage insurance can help you save 25%. I need to get a new policy since my premiums are too high. I'll have to consider getting a bigger deductible.

Henry Killingsworth link

1/24/2023 11:28:29 am

My brother got a large bonus at work this week, and he is wanting to use it to purchase a motorcycle. I thought it was interesting when you mentioned that you can get a 10% to 15% discount on your insurance if you take a safety course. I will have to tell my brother that he will need to take a safety course so that he can save money on his motorcycle insurance.

Dora Alen link

2/25/2023 09:33:16 am

This topic is important for all current and future motorcycle owners as not only can taking a course provide them with important riding skills but also save them money on their insurance premiums.