ways to save on motorcycle insurance
Only one thing can improve cruising the open road on your motorcycle: saving on insurance while you do it. We'll bring you up to speed on the many ways to cut your premium.
Motorcycle insurance discounts
Discounts are fun, refreshing, and prone to drawing envious stares from your fellow motorists (like your motorcycle itself). Here are some of the policy perks you might be able to score on your bike's coverage.
Get savings just for insuring more than one bike, trike, ATV, etc., on the same policy.
Enjoy reduced rates on your motorcycle insurance if you own your home.
Recovery Device discount
Not only does having a recovery system help prevent thieves from getting their hands on your bike, it helps you grab some savings in the process (win-win, anyone?).
Slash your rates simply by paying your premium all at once instead of in monthly intervals.
On-Time Payment discount
When you act responsibly by paying your premium on time for a year straight, we like to send the good karma back your way with some sweet savings.
Responsible Driver discount
Score a discount for your stellar track record: 2 years without an accident or moving violation means savings from some insurance companies (including ours).
Safety Course discount
Get rewarded if you complete an approved driving safety class.
When you start a policy with Esurance or our motorcycle-insuring partner Progressive, you can discover another great way to save: loyalty rewards.
By maintaining that policy over time, you can qualify for the following benefits:
Small accident forgiveness
This perk helps prevent your rate from increasing (and thus keeps money in your wallet) if you cause a minor accident on your bike.
Optional equipment coverage
Receive an automatic $3,000 worth of insurance for your bike's custom parts — so after an accident, you can be confident your bike will go back to being, well, yours.
Large accident forgiveness
Being a truly loyal customer shouldn't go unnoticed. That's why longtime policyholders (4+ years) get the benefit of the doubt even if they have a major at-fault claim. If you and the drivers on your policy have been claim- and violation-free for at least 3 years, your rate won't be affected after your first big incident (cue that sigh of relief).
Safety (and patience) pay off
If you're craving even more savings, look no further than your own safe driving history and knowledge.
Because motorcycles are (relatively) niche rides, seasoned expertise is paramount when it comes to calculating a price on your insurance policy. The good news is, the longer you ride safely, and the more experience you gain with various bikes, the lower the risk class you'll drop to and the more you'll stand to save.
If you spot one (or more) easy ways to save on your motorcycle insurance here, grab a free quote today and add a little cha-ching to your vroom-vroom.
Motorcycle insurance coverages
Get an idea of all that motorcycle insurance can do and how you'll likely use it.
From helmets to boots, we'll teach you the ups and downs of being safe on your bike.
Where to travel with your hog
Head to our blog for a breakdown of the most motorcycle-friendly states around.
This page is intended to provide you with general information about motorcycle insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, including limitations and exclusions, we encourage you to read your policy contract and consult your insurance representative with any questions.