The ATGATT principle (all the gear, all the time) applies just as much to motorcycle insurance as it does to riding. But what if that insurance ends up being just as pricey as your collection of gear? Good news, though. It doesn’t have to be. How? One word: discounts. And they could be just a phone call away.
Our independent insurance agents are here to help you find the right discounts to help you lower those rates. They’ll do all the hard work for you, so you can spend less time bargain-hunting and more time riding, ‘cuz that road is calling. Just don’t forget your helmet.
It’s simple: motorcycle insurance discounts are a sweet little way to lower your premiums. Most insurance discounts don’t work like coupons, though. They’re more like a super-complex math riddle that the insurance company uses to calculate how likely you are to get into an accident. The less likely a crash is, the less you’ll pay.
It’s important to remember that not all discounts will be spelled out in your policy, even if they’re still saving you money. You’ll likely know if you’re getting a military or veterans discount, but you might not realize you’re getting a marriage discount, too. It’s all in the math.
There are lots. And then lots more. But they can all be funneled into these four major types:
Basically, it’s pretty easy. But sometimes you may have to settle for less-than-ideal discounts at first, qualifying for more as time goes on. One of the best ways to get motorcycle insurance discounts is to have a clean riding record, but it’s not the only way.
If your record is spotty, try for bundling and group discounts first. Then try for age and loyalty discounts down the road. In the meantime, focus on keeping your nose clean and those safety discounts might not be so elusive, after all.
Chances are you’ll get a few discounts automatically whether you ask for them or not. Many of these discounts aren’t explicitly spelled out in your policy and are based on things you can’t always control, like your location or marital status.
If you want to go beyond the entry-level discounts, you can maximize your potential savings by following these easy steps while you bargain-hunt:
Why do all the hard work yourself? Our independent insurance agents stay on top of the industry and all the latest discounts so you don’t have to. That means they’ll help you find the right coverage for you at the right price.
They’re not just there at the beginning, either. If you get in a jam and need to make a claim, they’ll help you meet deadlines and ensure you’re getting all the benefits you’re entitled to. So, you ready to ride?