Motorcycle Insurance Articles
What Kind Of Discounts Are Available For Motorcycle Insurance Policies
2010-03-16
Driving a motorcycle can be more adventurous than operating a car. Some people describe this joyride as the greatest road adventure anyone can experience. Like an automobile, however, there are road risks. Therefore, safety is very important. This is why it is in your best interest to always have motorcycle insurance. It is required in 48 states, excluding Florida and Washington. Luckily there are several ways you can receive motorcycle insurance discounts. And best of all, it is as easy to obtain as car insurance. In most cases, you can use the same insurance company that insures your automobile to insure your motorcycle. This spares you the headache of having to deal with two different insurance companies.
Although motorcycle discounts differ with each insurance company, there are still an abundance of great deals to be found with each one of them. For example, one major insurance company gives discounts to experienced riders who switch their motorcycle policies to their company. Mature riders can also benefit from motorcycle discounts based on their age. In addition, discounts are given if you insure more than one motorcycle or complete a motorcycle safety course. If you are a motorcycle safety course instructor, you are possibly eligible for a discount; nonetheless, be aware that eligibility is based on your insurance company.
Several insurance companies offer savings to those policyholders who also have their auto insurance with their company. Renewing your motorcycle insurance with the same company will also save you money. Believe it or not, being a responsible adult does have its advantages: if you pay your insurance amount in full and on time upon renewal time, you can earn a discount. Just as similar, if you act responsibly with your driving by having no traffic violations or accidents, you earn another opportunity to save money. While some insurance companies offer this discount based on your driving record's history for the past three years, others may judge it for a lesser length of time. Regardless, this gives you a good reason to aim for a clean driving record. Some insurance companies also give discounts to motorcyclists who are homeowners. All of these cost reductions can be helpful on your motorcycle insurance premium; so don't overlook these discounts as being minor.
Keep in mind that rates vary based on insurance companies and states. Furthermore, the motorcycle insurance quote you'll receive is based on the type of motorcycle you are seeking coverage for, as well as safety apparel and helmet coverage. Nevertheless, with these available discounts, you are bound to get a good deal on your motorcycle insurance. Thus, you can be safe while enjoying your adventure.