It can be tough to justify the costs of keeping an extra vehicle these days, especially a motorcycle when it is not your main transportation. However, you may be able to cut your insurance costs on your bike, and even cut  all your vehicle insurance costs, in order to make it easier to keep your car, and your bike too!

If you are a young rider, or just a new rider, the best thing you can do to lower your motorcycle insurance costs is to complete an approved motorcycle safety class. Insurers will offer discounts for the training, and you will keep yourself safer. It is worth your time to protect your motorcycle, and your own health!  Even if you are an experienced rider there are classes for you too and the insurance company will probably give you a cut on your motorcycle insurance costs.

Of course, you know you should obey local laws and speed limits. One speeding ticket can give you a significant rate increase. On the other hand, a history of ticket-free driving should earn you preferred rates and if it does not go somewhere that does.

Many insurers also offer a significant discount for protecting your motorcycle when you are not riding it. If you keep your bike locked up at night, in a garage or protected area, make sure you ask your motorcycle insurance company if they offer a discount.  Other protection like lojack, a motorcycle tracking service if your ride is stolen,  often gets you a reduction as well.

And the same multi-vehicle discounts, or multi-policy discounts, that help you get cheap home insurance or car insurance, can help with your motorcycle insurance too!

Make sure to ask your insurer about each and every one of these discounts - I have discovered over the years if you do not ask you shall not receive.

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