AllRisk Auto Insurance, LLC Blog
Once you've decided to buy your motorcycle, you should think about how to have it insured. You can't guarantee safety at all times because not every driver on the road thinks of safety as you do. Besides, you want to make sure that you protect your motorcycle since it's an investment. Choose from different insurance policies. However, keep in mind these five ways to save money on motorcycle insurance before you buy a motorcycle.
Choose a Smaller Bike
Size matters. Insurance is a game of numbers, and so the more expensive and bigger your bike is, the larger it's engine, the more you have to pay for it. The more raw power your motorcycle has, the faster you can go, and the longer you stay on the road. Naturally, this increases the level of risk you have for any collision that involves high speed. Before you buy one, make sure you can also afford the insurance premiums.
Increase Your Deductible
Increase your deductible in order to save money. You'll indeed have to spend more in case something terrible happens to you before you can get your coverage. However, you can still potentially save money for that purpose. It's better to reduce your monthly premiums and keep yourself safe in order not to spend that money you've saved.
Get Training and Certification
One of the ways to save money on motorcycle insurance is to get into a motorcycle safety class. These are affordable classes that you can take on a weekend. They’ll give you a certificate as you leave the course. This gives you something to show your insurer. Most insurance companies will provide you with a discounted premium. This is because you are now more knowledgeable of road risks. You can now increase the safety level of your motorcycle rides.
Take Advantage of Club Discounts
You can save money on your motorcycle insurance if you become affiliated with a motorcycle club. There’s the Honda Riders Club of America and the Harley Owners Group. Membership in these clubs can help you get a discounted offer in your insurance policy. Before you sign up with the club, make sure you can get a discount. It also pays to check with your insurance provider first if they acknowledge such discounts.
Go For an Insurance Bundle
Your insurance provider usually offers more than motorcycle insurance to its clients. In that case, you can go for a bundle so that you can get a discount on your insurance. You can purchase several policies from them, such as home insurance and vehicle insurance. That can give you significant savings on your motorcycle insurance premiums without affecting the coverage.
Some Final Words
Knowing how to drive the motorcycle is not enough. You need to understand how to ensure it and your own safety. Most importantly, you should know how to save on your insurance premiums. It's all a matter of thinking and initiative.
At AllRisk Auto Insurance, LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (360) 693-4044. Get your free quote today by CLICKING HERE.