Five Ways to Save Money on Motorcycle Insurance

​Motorcycles have always been fascinating for many people. In the world of film, they depict motorcycle personalities as cool, macho, and wild riders! Also known as “iron horses,” they are like feral steed when you try to ride them; they’re super fast but very, very risky. In the real world, riding a motorcycle also carries the same risk. That’s why motorcycle insurance is a must-have, just like any other insurance that we have. But, are you getting the most out of your policy? Here are ways to save you money when getting your insurance.

1. Choosing the Right Motorcycle
   Always remember to call your insurance agent if you’re planning to replace your old one. Some motorcycle units are more expensive to insure compared to others. For example, a sports bike’s insurance costs more compared to traditional ones. 
   
   
2. Unload Some of Your Insurance’s Coverages
   If you have been riding your bike for years, it is imperative to have liability insurance. But since your bike’s present monetary worth isn’t that much, it would be wise to consider letting go of your comprehensive and collision coverage. This could drastically save you a lot of money since the bike is already old, and you don’t want to pay that much for an old unit. 
   
   
3. Increase your Deductibles and Ask for Discounts
   As a rule of thumb, higher deductibles mean lower premiums. Avoid making small claims; this will prevent your premiums from increasing. Always remember that no seller would ever offer potential discounts unless you ask them. Ask them how much discount you can get if your bike is inside a locked garage, with anti-theft devices, inside a gated compound? Ask them about age-related-discounts, etc.
   
   
4. Join Motorcycle Clubs
   You can get great discount rates if you are a member of a motorcycle club. Registered motorcycle groups like: 
   
      - American Motorcyclist Association
      - BMW Motorcycle Owners of America
      - Harley Owners Group 
      - Honda Riders Club of America
      - Motorcycle Safety Association
      - Motorcycle Touring Association
   
   
5. Get the Infrequent Rider Discount
   If you are a motorcycle owner that seldom rides your bike, you can get this kind of discount. You may also ask them to lower your coverage and its costs if you do not ride your bike during winter. This discount is for weekend riders or occasional riders only.

These are some of the ways you can save money from motorcycle insurance. Don’t forget that upgrades on your motorcycle, like getting a new paint job, or accessories, may also cost you. Always check your policy and ask your agent how to help you with this.

At AllRisk Auto Insurance, LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (360) 693-4044. You can also request a free quote by CLICKING HERE.