How can I lower my motorcycle insurance cost?

As local agents we are here to make sure you receive the best coverage for you and hopefully save you money while doing so. Saving money is such a great feeling! Here are some tips on how you can lower the cost of your motorcycle insurance:

Ask your agent about motorcycle insurance discounts
There are multiple motorcycle insurance discounts available such as: multi-policy discount, claims free discount, loyalty discount, and anti-lock brakes. Ask an agent if you qualify.

Look at your billing and payment options
Many insurance carriers offer multiple payment options and some of them can save you money. Have you considered automatic payments and/or paperless billing?

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Where do you park your motorcycle?
Do you park your motorcycle in a lockable structure such as a garage? This can affect your rate because most theft and vandalism occur when a motorcycle is parked outside.

Have you taken a motorcycle training or safety course?
We mentioned motorcycle insurance discounts, and a motorcycle training/safety course is one of them. Harley Davidson offers them as well as a few colleges. Taking a motorcycle training and safety course will not just save you money, it teaches you skills you can use while riding.

Talk to your agent about coverage that is right for your lifestyle
When an agent or insurance company asks you questions about every detail of your bike, plus questions about your family, work, etc., they are determining the right amount of coverage for you and your lifestyle. However, if there’s extra coverage you don’t need, make sure to tell your agent so that you don’t pay extra to be over insured.

Is seasonal insurance right for you?
Determine the advantages and disadvantages of seasonal insurance, but always keep in mind the value of continuous coverage. Is there optional coverage you can remove while your motorcycle is stored for the off season?

We hope these tips for ways to save on motorcycle insurance rates help. If you have any questions, feel free to give us a call. 616.755.3000 | 231.755.3000

Karlee Miller
Creative Administrator
& Ryan Miller
Licensed Insurance Agent

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