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Saving on Your Bike Insurance with Safety Classes


Driving a motorcycle can be an exhilarating experience, but finding affordable insurance can be a frustrating experience. Because of the dangers involved with motorcycle riding (nearly 3,600 motorcyclists died in 2003, according to the National Highway Traffic Safety Administration), insurance companies charge high premiums to cover you while you're riding.

You can do a number of things to reduce that cost, such as insuring multiple motorcycles with the insurance company, being an older driver, being a motorcycle safety instructor and insuring other vehicles with the insurance providers. However, the best thing you can do to lower your motorcycle premium is to complete an approved motorcycle safety course. Insurance companies offer discounts on your insurance premium of 5-15 percent when you show a certificate of completion of an approved motorcycle safety course. Some states even require you to pass a course in order for you to get your motorcycle license.

The Motorcycle Safety Foundation is a non-profit organization that offers motorcycle safety courses that are recognized by many states and insurance companies. More than 3 million motorcyclists across the country have completed the Motorcycle Safety Foundation's motorcycle safety course. Currently, 20 states will waive the need for you to take a motorcycle driving exam if you complete one the Motorcycle Safety Foundation training courses.

A basic course teaches you the basics of motorcycle driving with both classroom and on-cycle training. Other skills that you will learn include the best clothing and equipment to wear when riding, how to inspect your motorcycle, starting, stopping and maneuvering. An experienced rider course helps you sharpen your skills. This course is taught on-cycle. You learn the latest techniques for safe motorcycle driving, trends and safety issues.

While the Motorcycle Safety Foundation has the best-known safety training courses, it isn't the only place that offers such courses. Each state will have a list of approved motorcycle safety training courses or offer their own training courses. Before taking a motorcycle safety course, make sure it is recognized by your state or it won't help you in getting your license of reducing your premium.

Once you've completed your motorcycle safety training, use that training to lower your premium. Begin by requesting online insurance quotes from web sites that will solicit insurance quotes from multiple affordable online insurance providers. Make sure as you answer the information requested to get online insurance quotes that you note that you have completed a motorcycle safety course. This will allow the responding companies to adjust your quoted rates lower. Then, you can simply find the most affordable online insurance provider. Don't let the cost of your motorcycle insurance keep you from enjoying the freedom of the open road.

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