7 Simple Tips That Can Save You Big On Motorcycle Insurance It’s been a long time since Marlon Brando rode his motorcycle in “The Wild One” with no cares in the world except keeping his bike running smooth and looking great in a leather jacket. These days safety is a big priority for most riders, and motorcycle insurance is a major part of that. Looking cool on your bike is crucial, but it’s almost as important to find an excellent motorcycle insurance policy for a great price. There are many different types of motorcyclists, and there are also many different types of policies out there—you just need to find the one that is right for you. Here are 7 tips for saving on your insurance, so you can focus on the open road. 1. Ask about an infrequent driving discount If you only take your motorcycle out for the occasional spin during good weather, then you might not need full coverage: many insurance companies offer discounts to infrequent drivers. Also, if you don’t ride in the winter you may not need insurance year-round. (But if you’re still paying off you motorcycle, then the bank will probably require you to have full, year-round insurance.) 2. Don’t make small claims Filing a claim for minor repairs could ultimately make your payments go up, negating your savings. Hold off on making claims unless it’s for something substantial, and you’ll be able to keep a low monthly rate. 3. Join a biking club Joining a biking club is a great way to meet like-minded friends, and you could save money on your motorcycle insurance, too—some insurance companies offer discounted policies to motorcycle clubs. One club you might consider joining is the American Motorcyclist Association, which offers many other perks as well. 4. Ask for a higher deductible A guaranteed way to secure a lower monthly payment is to ask for a higher deductible. You’ll pay less month-to-month, but when you make a claim you’ll need to pay more before your insurance kicks in. 5. Don’t get passenger liability if you ride alone For the lone wolves out there, you can save on your motorcycle insurance if you ditch passenger liability. However, if you frequently have someone on the back seat, you’ll need the extra liability coverage in case you get in an accident and they sue you.
6. Research what kind of bike you buy Some motorcycle models are more expensive to insure than others. If you want a sporty bike with a huge kick, then you’ll probably have to pay more for insurance than if you go for a safer model. 7. Shop around for motorcycle insurance If you shop around for motorcycle insurance, you could end up saving more than all 6 previous tips combined! Why? Some insurance companies specialize in motorcycle insurance, and others do not. If you seek out the insurers who cater to riders, then you can save as much as 50%. Insure Utah can get you a great rate for motorcycle insurance in Provo Utah: contact us today for a free quote, and see how much you can save!