Top 10 Ways to Save on Motorcycle Insurance

Share this Article

4. Be Patient

2011 BMW G 650 GS

Riding time and experience are factors in reducing premiums, and there’s nothing you can do about it (except get trained – see #1). The way insurers see it, because you have less experience on the road, you are more at risk for an accident. In calculating risk, insurers look not only at a rider’s driving record but also how long he or she has been riding – and even what experience that rider has with the specific motorcycle to be insured. First-time bike owners can also expect to pay more for insurance.

One bit of advice: it stinks to wait, but if you know a previous traffic violation is about to be dropped from your driving record, hold off on requesting insurance quotes until that violation clears. This little act of patience will net a lower rate.

Top Insurance Providers

  • Rider Insurance

    Ride with Rider. Rider offers motorcycle insurance for DE, IN, MD, MI, NJ, OH, PA, VA and WV. We're committed to providing "no hassle" service at the lowest rates possible! Call 1.800.595.6393 or go to www.Rider.com to get an instant price quote or purchase a policy.
  • Harley-Davidson Insurance

    Protection designed exclusively for Harley riders. Harley-Davidson Insurance offers great coverage at a competitive rate along with customer and claims service from representatives who really know Harley-Davidson(r) motorcycles. Get a free quote today!
Get Motorcycle.com in your Inbox
  • kgaka@sympatico.ca

    How about rates for Canada?

  • aircraftmech

    I found out that by owning a BMW bike, the rate is significantly higher that what I was paying; it is twice as high as what I was paying on my Triumph. Something to think about…