How to Reduce Your Motorcycle Insurance Premiums

A red motorcycle dramatically standing during a dark day.Riding your motorcycle is a true experience of freedom. When it is just you and your bike out on the road, you are truly experiencing our great country. When you are not riding your bike, you are thinking about it. But what about the things you may not necessarily want to talk about? Motorcycle insurance premiums are not as scary as they sound, and there are plenty of ways to reduce the cost of your insurance. These tips now will be able to help you when you are on the road later. So how can you go about reducing your motorcycle insurance premiums?

Reducing Your Rates

Many options are available when keeping an eye out for exactly how to reduce your motorcycle insurance rates. The preliminary step before any of the list below is the completely understand every single part of the terms of your insurance policy. Comprehend every section and every detail, even the fine print. If you have questions, do not be afraid to ask. Once you understand every bit of your policy, your questions in regard to reduction will be clarified. There are many other ways to reduce your rates.

  • Always be a safe driver. Your driving record, even in your vehicle, will help a company see the prospective future of your driving. Moving violations or speeding tickets can increase premiums.
  • Change your coverage to the minimal option. Do not pay for anything extra that you do not need. Limiting the amount of protection you receive is a compromise: you save money, but you are also responsible for any damages that are not under the policy limit.
  • Discounts. Some insurance policies can include the option of discounts. Some discounts include senior or student discounts. Other discounts can be awarded just by joining certain motorcycle groups. Membership alone can lead to discounts. Other discounts can be given if others are jointed to your policy.
  • Select a high deductible. This may not save you much, but every little bit counts, especially in the contemporary economy.
  • Have a financially reputable credit score. By being fiscally responsible and paying your bills on time, your insurance will see that you are a responsible person. This may end up with a cost that is dramatically lower.
  • Safety courses. By understanding the specifics of your policy, you will be able to find out if enrollment in motorcycle safety courses can give you a discount on your premium. Most schools offer enrollment in beginner and expert courses for your bike. You get to learn about your bike and save money!
  • Ask if protection against theft can lower your insurance bill. A safety system or a simple act such as keeping your bike in the garage may help in lowering your rate.
  • Tell your insurance agent everything. Tell them about your car driving habits, your paying habits, and your motorcycle driving habits as well as your intended mileage. Any extra information, such as riding experience and longevity of ownership can help you in saving money.


Do not skimp out on aspects of insurance that you may need. When you pay less money, you get less quality. Try to get discounts or reasonable offers when possible, but also keep your safety and that of your loved ones a priority.

Contact Us Today

Here at Chopper Lawyer, we can help you through all of your motorcycle insurance needs. From learning about your premiums to learning how to reduce them, we have the knowledge and the skill set. Our personal injury attorneys also know how to stay safe on the road no matter how many wheels you like to ride. If you or a loved one have been injured in a motorcycle accident, or if you have any questions regarding motorcycle insurance premiums, do not hesitate to contact Chopper Lawyer today.

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