Motorcycle Insurance Discounts

Motorcycle insurance discounts are available to help motorcycle riders save money on their motorcycle insurance premiums.

There are a number of different discounts available, and the amount of the discount will vary depending on the insurer and the motorcycle rider’s individual circumstances.

Some of the most common motorcycle insurance discounts include discounts for multi-policy holders, safe riders, and motorcycle safety course graduates.

Riders can also often save money by bundling their motorcycle insurance with other types of insurance, such as auto or homeowner’s insurance.

By taking advantage of motorcycle insurance discounts, riders can save themselves a significant amount of money each year on their motorcycle insurance premiums.

Be sure to ask about motorcycle insurance discounts when you’re shopping for a policy.

Safety Course Discount

Motorcycle insurance companies often offer a discount to riders who have completed a motorcycle safety course.

The courses are usually conducted by the Motorcycle Safety Foundation, and they cover topics such as motorcycle handling, crash avoidance, and motorcycle maintenance.

By completing a motorcycle safety course, riders can learn how to safely operate their motorcycle and how to avoid accidents.

While the motorcycle safety course itself is not typically free, the discount on motorcycle insurance can save riders hundreds of dollars over the life of their policy.

The motorcycle safety course discount is available from most major motorcycle insurance companies, and it can make a significant difference in the cost of coverage.

Riders who are looking to save money on motorcycle insurance should consider taking a motorcycle safety course.

Responsible Driver Discount

Motorcycle insurance companies offer a responsible driver discount to motorcycle riders who have a clean driving record.

This motorcycle insurance discount can save riders up to 20% on their motorcycle insurance premiums.

To qualify for the motorcycle insurance responsible driver discount, riders must have a clean driving record for at least three years.

Riders who have been convicted of a traffic violation or have had their motorcycle license suspended or revoked will not be eligible for the motorcycle insurance responsible driver discount.

Motorcycle riders who are looking to save money on their motorcycle insurance should ask their insurance company about the responsible driver discount.

Multi-Bike Discount

Motorcycle insurance discounts are available to policyholders who insure more than one motorcycle with the same company.

The multiple motorcycle discount is usually a percentage off the total premium for insuring two or more bikes.

For example, if you have two motorcycles insured with the same company, you may be eligible for a 10% discount on the total premium.

Motorcycle insurance companies offer the multiple motorcycle discount because it’s cheaper for them to insure several bikes under one policy than it is to insure each bike separately.

In order to be eligible for this discount, all of the motorcycles must typically be registered to the same owner and address.

In addition, the motorcycles must all be listed on the same policy.

If you’re shopping for motorcycle insurance, be sure to ask about the multiple motorcycle discount to see if it’s available from the company you’re considering.

Mature Rider Discount

For motorcycle riders over the age of 25, there’s a good chance you’re eligible for a mature rider discount on your motorcycle insurance.

This discount is typically given to riders who have completed a motorcycle safety course and have a clean driving record.

In some cases, the discount may also be given to riders who have been riding for a certain number of years without any accidents or violations.

If you’re a mature rider, be sure to ask your insurance company about this discount – it could save you money on your motorcycle insurance premiums.

Motorcycle Organization Member Discount

Most motorcycle insurance companies offer a discount to members of motorcycle organizations.

The rationale behind this discount is that motorcycle organization members are more safety conscious and are less likely to file a claim.

The size of the discount varies by insurer, but it typically ranges from 5% to 15%.

To be eligible for the discount, you will need to provide proof of membership to your motorcycle organization.

If you’re unsure whether your motorcycle insurance policy offers a discount for motorcycle organization members, contact your insurance agent or company representative.

You can also check your policy documents.

A motorcycle membership organization insurance discount can save you money on your premium, so it’s definitely worth checking into.

Discount for Switching From a Competitor

A motorcycle insurance discount is sometimes available for riders who switch to a new provider from a competitor.

This motorcycle insurance discount can save you money on your motorcycle insurance premium.

To get this motorcycle insurance discount, you will need to provide proof of insurance for your motorcycle from a competing company.

This motorcycle insurance discount is typically not available to those who have had motorcycle insurance with the same company for more than one year.

This motorcycle insurance discount is only available to new customers of motorcycle insurers.

Discount for Bundling Policies

Many motorcycle owners are surprised to learn that they can get a motorcycle insurance discount by bundling their policy with other types of insurance.

For example, many insurers will give a discount if you also have a policy for your car or home.

The reason for this is that bundling multiple policies together helps to reduce the overall risk for the insurer.

As a result, they are able to pass on some of the savings to their customers.

If you are a motorcycle owner, it is definitely worth checking to see if you could save money by bundling your motorcycle insurance with another type of policy.

Customer Loyalty Discount

Many motorcycle insurance companies offer a discount to customers who maintain their policy with the same company for a period of time.

This discount, sometimes called a loyalty discount, is typically offered to customers who renew their policy with the same company for two or more years.

The amount of the discount can vary, but it typically ranges from 5% to 10%.

While the savings may not be significant, it can still make a difference when it comes to renewing your motorcycle insurance.

If you’re thinking about switching motorcycle insurance companies, be sure to ask about loyalty discounts before making a decision.

You may find that staying with your current company is the best option after all.

Discount for Going Paperless

Motorcycle insurance companies offer a discount for going paperless.

This is because it costs the company less to send your documents electronically.

The motorcycle insurance company won’t have to pay for printing and postage, and the savings gets passed on to you.

Also, motorcycle insurance companies can save money by not having to store paper records.

In addition to being more environmentally friendly, paperless billing can also be more convenient, allowing you to access your documents from anywhere at any time.

And if you ever need to file a claim, paperless records can make the process quicker and easier.

Therefore, going paperless is a win-win for both motorcycle insurance companies and their customers.

By taking advantage of this discount, you can save money on your motorcycle insurance premiums.

Homeowner Discount

Most motorcycle insurance companies offer a discount to homeowners.

The logic behind this discount is that homeowners are more likely to have a garage where they can store their motorcycle, and thus are less likely to have it stolen.

Additionally, homeowners are generally seen as more responsible than renters, and so are less of a risk to insure.

If you’re looking for a motorcycle insurance discount, being a homeowner is one of the best things you can do.

Be sure to check with your insurance company to see if they offer this discount, and how much it will save you.

You may be surprised at how much you can save just by being a homeowner.

Pay in Full Discount

Many motorcycle insurance companies offer a discount for customers who pay their premiums in full.

This discount is typically around 10%, but it can vary depending on the insurer.

There are several reasons why insurers offer this discount.

For one thing, it helps to keep customers from canceling their policies mid-term.

In addition, customers who pay in full are less likely to file claims, as they have more of a financial incentive to avoid doing so.

As a result, motorcycle insurance companies often offer a discount for customers who are willing to pay their premiums in full.

Pay on Time Discount

Many motorcycle insurance companies offer a discount for policyholders who pay their premium on time.

This discount can range from 5% to 10% of the total premium, and it can add up to significant savings over the life of the policy.

There are a few things to keep in mind when taking advantage of this discount.

First, make sure that you understand the terms of your policy and that you will be able to meet the deadline for payment.

Second, be aware that some motorcycle insurance companies charge a late fee if you miss the payment deadline, so it’s important to budget accordingly.

Finally, remember that motorcycle insurance discounts are typically only available for full coverage policies; if you have a liability-only policy, you may not be eligible for the discount.

By following these tips, you can take advantage of this money-saving opportunity and keep your motorcycle insurance costs down.

Automatic Bill Pay Discount

Many motorcycle insurance companies offer a discount for customers who enroll in automatic bill pay.

This discount typically ranges from 5-10%, and can add up to significant savings over the course of a year.

There are a few things to keep in mind when considering this discount.

First, make sure that you are comfortable with the idea of your motorcycle insurance bill being automatically charged to your credit card or bank account.

Second, be sure to set up the automatic payment in such a way that you will still be able to track your spending and ensure that the payment is made on time.

Finally, remember that some motorcycle insurance companies require you to sign up for paperless billing in order to receive the discount, so be sure to check the terms and conditions before enrolling.

By following these simple tips, you can take advantage of a motorcycle insurance discount and enjoy peace of mind on the open road.

Military Discount

Motorcycle insurance discounts for military personnel are available from a number of different insurers.

Motorcycle insurance companies offer a variety of discounts to military personnel, including discounts for active duty, reservists, and veterans.

Motorcycle insurance companies understand the unique needs of military personnel, and they are committed to offering motorcycle insurance that meets those needs.

USAA is the insurance company best known for catering to members of the military.

Early Signing Discount

Some motorcycle insurance companies offer a discount for customers who sign up for a policy early.

This discount is typically around 10%, but it can vary depending on the company and the length of the policy.

For example, some companies may offer a bigger discount for customers who sign up for a six-month policy than for those who sign up for a 12-month policy.

Other companies may have a tiered system, with the biggest discount available for customers who sign up at least three months in advance.

Regardless of the specifics, motorcycle insurance discounts are generally available for customers who are willing to commit to a policy early.

So if you’re shopping around for motorcycle insurance, be sure to ask about this potential discount.

Anti-Lock Brakes Discount

Many motorcycle insurance companies offer a discount for riders who have anti-lock brakes installed on their bikes.

While the size of the discount varies from company to company, it typically ranges from 5 to 10 percent.

The rationale for this discount is that riders with anti-lock brakes are less likely to be involved in an accident, and that they are also more likely to avoid serious injuries if they are involved in a crash.

In order to qualify for the discount, riders must usually provide proof that their bike is equipped with anti-lock brakes.

For some insurers, this can be done by showing a copy of the motorcycle’s registration certificate.

In other cases, riders may need to submit a copy of their motorcycle maintenance records.

Either way, motorcycle owners should check with their insurance provider to see if they qualify for this discount.

Anti-Theft Device Discount

Many motorcycle insurance companies offer a discount for riders who have an anti-theft device installed on their bike.

While the size of the discount can vary, it’s typically around 10%.

The most common type of anti-theft device is a GPS tracker, which helps law enforcement to recover a stolen motorcycle.

Other devices include wheel locks, immobilizers, and alarms.

Some companies also offer a discount for riders who store their motorcycle in a garage or other secure location.

The motorcycle insurance companies feel that the installation of an anti-theft device will reduce the risk of your motorcycle being stolen and they are willing to pass on some of this savings to their policyholders.

Many motorcycle riders do not realize that they may be eligible for this motorcycle insurance discount and so they never bother to ask their motorcycle insurance agent about it.

If you have an anti-theft device installed on your motorcycle, be sure to mention it to your motorcycle insurance agent so that you can take advantage of this valuable motorcycle insurance discount.

List of Providers Who Offer Motorcycle Insurance Discounts:

Progressive
Geico
Markel
Allstate
Nationwide
Farmers
Dairyland
American Family

Progressive Motorcycle Insurance Discounts

Quote in Advance – Get your quote with Progressive before your policy’s actual start date, and you can qualify for a discount.
Safety Course – Complete an approved motorcycle safety course to receive a discount from Progressive that will lower your premium.
Multi-policy – Bundle your auto, home, renters, car, boat, or RV insurance with your motorcycle policy and get a discount.
Association Member – You can qualify for a discount if you belong to either the Harley Owners Group (H.O.G.) or United Services Automobile Association (USAA).
Pay in Full – Pay for your policy all at once and Progressive will pay you back with a discount.
Pay on Time – Continue to pay on time and be rewarded with a discount from Progressive.
Automatic Bill Pay – Sign up for automatic electronic bill pay with Progressive and receive a discount.
Motorcycle Endorsement – Earn a discount for adding a motorcycle endorsement to your license.
Responsible Driver – Progressive will reward you with a discount if you have a clean driving record with no accidents or moving violations in the last three years.
Switch From Another Company – Switch to Progressive and they’ll thank you by giving you a discount.

Geico Motorcycle Insurance Discounts

Transfer Your Policy – Switch your policy over to Geico and save up to 10% on your premium.
Multi-Bike – Save up to 10% when you insure multiple bikes with Geico.
Mature Rider – Save up to 10% with Geico if you’ve been riding a motorcycle for a while.
Customer Loyalty – Save up to 10% when you renew your policy with Geico.
Safety Course – Complete an approved safety course and receive a discount of up to 10%.
Motorcycle Safety Foundation – Save up to 20% if you are a motorcycle safety foundation instructor.
Bundle – Bundle your auto policy with your motorcycle policy and Geico will give you a discount of up to 5%.

Markel Motorcycle Insurance Discounts

Transfer Discount – Switch to Markel Speciality from another insurance carrier and get a 10% discount.
Renewal Discount – Discount applied when you continue renewing your policy with Markel.
Safety Course Discount – Get a discount from Markel for completing an approved class to better learn how to ride your motorcycle safely.
Safe Driver Discount – Get a discount if you have not had more than one minor violation in the past three years.
Anti-Theft Alarm Discount – Markel will give you a discount for adding an anti-theft device (e.g. electronic alarm or tracking system) to your bike.
Anti-Lock Brakes Discount – Get a discount for installing safety equipment on your bike like anti-lock brakes.
Multi-Unit Discount – Insure multiple bikes with Markel and receive a discount on the total policy premium.

Allstate Motorcycle Insurance Discounts

Early Signing Discount – Sign up for a new policy with Allstate at least seven days before your current policy with a different provider expires, and get a discount on your premium.
Easy Pay Plan – Set up automatic payments and save up to 5%.
Full Pay – Pay your policy in full and get a discount from Allstate.
Motorcycle Organization Membership Discount – Get a discount from Allstate if you belong to a riding organization such as Gold Wing Touring or Road Riders Association, American Motorcycle Association, BMW Motorcycle Owners of America, Harley Owners Group, Motorcycle Safety Foundation, Venture Touring Society, or Honda Riders Club of America.
Motorcycle Safety Course Discount – By passing a motorcycle safety driving program in the past three years, you could qualify for a discount.
Transfer Discount – Switch to Allstate from a different provider and you will be welcomed with a discount.
Good Rider Discount – Get a discount if you go five years without an accident or major violation.
Multiple Motorcycle Discount – Insure multiple motorcycles with Allstate and you will receive a discount.
Multi-Policy Discount – Get a discount if you insure your motorcycle along with your home, car, etc.

Nationwide Motorcycle Insurance Discounts

Motorcycle Safety Course – Get a discount from Nationwide when you complete an approved safety course. You can see what courses are available by checking with the Motorcycle Safety Foundation.
Multi-Vehicle – Nationwide offers a discount when you bundle two or more of your vehicles (motorcycle, auto, ATV, etc.).
Multi-Policy – Combine your other insurance policies (home, vehicle, life) and get a discount from Nationwide.
Homeowner – With Nationwide, you are eligible for a discount just for owning a home, condo, townhome, or mobile home.
Theft-Recovery Device – If your motorcycle is equipped with anti-theft equipment like an alarm or GPS tracker, then you can save on comprehensive coverage with Nationwide.
Anti-Lock Brakes – Get a discount if your motorcycle is equipped with an anti-lock braking system (ABS).
Riding Association – You can earn a discount if you’re a member of a riding association like Harley Owners Group (H.O.G.).
Paid in Full – Pay your entire policy premium in full and you’ll end up saving in the long run with Nationwide’s pay-in-full discount.

Farmers Motorcycle Insurance Discounts

Safety Course – Get a discount from Farmers for completing an approved safety course that teaches various safety techniques when riding.
Transfer Discount – Switch over to Farmers insurance and receive a discount.
Multi-Policy – Bundle your other Farmers policies (auto, car, home, etc.) and get a discount.
Multi-Unit – Get a discount when you insure multiple bikes with Farmers.
Affinity Group – If you are a member of certain organizations, you may qualify for a discount from Farmers.
Renewal Discount – Get a discount if you continue renewing your motorcycle insurance policy with Farmers.
Anti-Lock Brakes – If your bike is equipped with an anti-lock brake system, then you qualify for a discount.
Airbag – Qualify for a discount if you have an airbag equipped.

Dairyland Motorcycle Insurance Discounts

Rider Group – Lower your cost if you are part of an approved riding group like Harley Owners Group (H.O.G.)
Rider Course – Save on your policy with Dairyland if you’ve voluntarily taken and passed an approved motorcycle safety course within the last five years.
Transfer Discount – Switch your insurance policy over to Dairyland and receive a discount.
Multi-Cycle Discount – Insure multiple bikes with Dairyland to get a discount.
Homeownership – If you own your home, and it’s insured, then you may qualify for a discount with Dairyland.
Loyalty Discount – If you have been a loyal Dairyland customer for more than a year, then you qualify for a loyalty discount.

American Family Motorcycle Insurance Discounts

Experienced and Safe Motorist Discount – Get rewarded by American Family with a discount for having a safe driving record. Riders with no accidents, violations, or claims may be eligible for a reduced rate through AmFam’s Good Driving discount.
Auto Pay Discount – Set up automatic payments for your monthly premiums and receive a discount.
Full Pay Discount – Pay your premium in full and save with a discount.
Paperless Discount – Get a discount when you opt for paperless billing and statements.
Continuous Coverage Discount – Maintain continuous coverage with no lapses in coverage to receive a discount.
Multiple Cycle Discount – Have multiple motorcycles? Insure them all with American Family to lower your overall premium.
Multi-Policy Discount – Bundling your other policies (auto, home, etc.) all under American Family can save you money.
Motorist Safety Discount – Pass an approved motorcycle safety course to receive a discount for your dedication to safe riding.

Key Takeaways

There are a few key things to remember when shopping for motorcycle insurance:

Most insurers will offer some kind of discount if you take a motorcycle safety course.
You may be able to save on your premium by bundling your motorcycle insurance with other policies, like auto or home insurance.
Some insurers offer discounts for features like anti-lock brakes or anti-theft devices.
Be sure to compare discounts and rates from different insurers to make sure you’re getting the best deal.

Motorcycle Insurance Saver