Top 7 Tips to Lower Your Motorcycle Insurance

Here are seven easy ways to save money on your motorcycle insurance Along with a helmet and riding jacket, motorcycle insurance is one of the only things that protect you when you're on the road with your bike. With an insurer and agent you're comfortable with, and a few helpful tips, you can get a motorcycle insurance policy you are confident in. And maybe save a few bucks, too! Here are 7 tips that will help you in finding appropriate motorcycle insurance:

1. Be consistent. Don't get inconsistent personal liability limits on your motorcycle insurance. Check with your car insurance agent and ensure that the liability limit for injuries/property damage on your motorcycle insurance are the same as what you bought for your home insurance and other possible policies.

2. Be considerate of guests. Don't forget to buy the same liability coverage for any passenger that may ride along with you. Proper liability coverage on your motorcycle insurance can save you possibly thousands or hundreds of thousands were your passenger to get hurt in an accident on your bike.

3. Go solo more often. You might want to decrease how much you have a passenger on your bike. Some motorists don't realize when inviting a friend for a ride that the number one source of lawsuits against motorcyclists is from passenger injuries.

4. Custom bike needs custom motorcycle insurance. Some motorists prefer to customize their motorcycle, whether it's extended forks or "ape hanger" handlebars. If this is the case for you, let your insurance agent know of any customization you want covered in your motorcycle insurance policy. Keep in mind that you might have to pay a higher premium. Or consider shopping for specialty motorcycle insurers. Specialty motorcycle insurance carriers will know how to better insure a custom bike and they provide towing/roadside assistance.

5. Concrete is hard. Get a helmet. You don't want to get fatally hurt in a motorcycle accident, right? Wear a helmet (and keep an extra one for a passenger). The National Highway Traffic Safety Administration estimated that wearing a helmet can reduce the chance of crash-related fatalities by a whopping 37 percent. Bonus: You'll save on your motorcycle insurance from all those injury claims you won't have to make.

6. Get to class. Many insurers are willing to give you a 10-15 percent discount on your motorcycle insurance if you graduate from a training course, according to the Insurance Information Institute.

7. Get a discount. Or two. Or three. Ask your agent what discounts you qualify for. Maybe you have more than one bike you want to insure-you can get a multi-bike discount. The same goes for if you own a car-many insurers will offer a policy discount if you're adding the motorcycle to your auto insurance. Being a member of a motorcycle association can help get you a discount, too. Getting proper motorcycle insurance and coverage will help you enjoy your motorcycle just that much more.

Just remember to check with your insurance agent to make sure which discounts you're qualified for and which additional coverages you can get on your motorcycle insurance policy. If you're looking for even more ways to save, try comparing insurance quotes online for some easy and quick savings.
Source: http://carinsuranceforyoungdriversquotes.com