Motorcycle Insurance Discounts Explained

Getting motorcycle insurance discounts is like finding a hidden treasure on your favorite road trip - it's a great feeling! One thing to keep in mind is that most insurance companies offer a good student discount, which can save you up to 10% on your premium.

If you're a motorcycle enthusiast with a clean driving record, you might be eligible for a safe driver discount, which can save you up to 30% on your premium. This is especially true if you've completed a motorcycle safety course, which can also give you a discount.

You can save money on motorcycle insurance by taking advantage of various discounts. Some discounts are available for completing a safety course, which can be a great way to improve your riding skills and reduce your insurance costs.

There are several types of discounts available, including a safety course discount and a safety course instructor discount. These discounts apply to each motorcycle assigned to the insured.

To qualify for a rider experience discount, you'll need at least three years of on-road riding experience. This discount is a great incentive to stay safe and experienced on the road.

Here are some common motorcycle insurance discounts:

If you're looking to save on motorcycle insurance, you'll want to explore the various discounts available. Plymouth Rock offers a group affinity discount to active members of an approved affinity group.

Having the right kind of motorcycle coverage shows you care about protecting your prized possession, and Plymouth Rock rewards you for that dedication with discounts. Completing a motorcycle safety course can earn you a safety course discount, which is applied to each motorcycle you're assigned.

Signing up to receive your policy documents electronically can also save you money with the eDocuments discount. This is a great way to go green and reduce your carbon footprint.

Plymouth Rock also offers a loyalty discount to policies that renew with no lapse in coverage. This means that if you consistently renew your policy without any gaps, you'll be eligible for this discount.

Here are some other ways to save with Plymouth Rock:

Additionally, you can save with the safety course instructor discount, which is applied to each motorcycle you're assigned if you complete an instructor safety course. You can also save with the rider experience discount, which is applied to policies with operators who have at least three years of on-road riding experience.

Paying your full motorcycle insurance premium upfront can also earn you a pay in full discount. This is a great way to save money and avoid making monthly payments.

Storing your bike in a secure location can lead to some great discounts. If your bike is primarily stored in an enclosed and secure structure, you may qualify for the garaging discount.

Having a garage can make a big difference in the cost of insuring your bike. This discount is available if your bike is stored in an enclosed garage, making it a great incentive to keep your bike safe and secure.

If you're at least 45 years old with more than three years of riding experience and have had no accidents or motor vehicle violations for the past three years, you'll be eligible for a motorcycle insurance discount.

More years on the road can translate into savings on your insurance, with discounts often based on the number of years of on-road experience.

Being a member of an approved motorcycle rider group or association can also get you a discount, similar to being a H.O.G. Member. Your agent can validate the list of approved groups during the quote process.

If a policy is quoted at least one day before the policy's effective date, HDIS will apply a discount. This is known as the Advanced Quote Discount.

The Prompt Payer Discount is often automatically applied if there have been no lapses in coverage, late payments, short payments, or issues with returned payments during the prior period. This shows that being a responsible policyholder can pay off in the long run.

If you have auto, home, renters, condo, boat, or RV insurance with us, you could save even more on motorcycle insurance.

You can bundle multiple policies together to get a discount, which is a great way to simplify your insurance needs and save some money.

This discount is available if you already have a policy with us, so there's no need to switch to us just to get the discount - it's a nice bonus for existing customers.

Large Accident Forgiveness is a valuable feature offered by Progressive, allowing customers to avoid rate increases after a motorcycle accident under certain conditions. If you've been a Progressive customer for at least four years and have been accident-free for the past three years, your rate won't increase for any motorcycle accident. This means that even if you're involved in an accident, your insurance rates will remain the same if you meet these requirements.

Geico is a solid choice for motorcycle insurance, especially for those who already own a car and want to bundle their auto and motorcycle policies together. They offer coverage in all 50 states.

Geico's motorcycle insurance is available in all 50 states, making it a convenient option for riders across the country. Their financial strength is highly rated, giving customers peace of mind.

Geico covers a wide variety of motorcycles, so you can rest assured they'll have a policy to fit your bike. They offer seven different discounts, which can help you save even more.

Here are some key benefits of Geico's motorcycle insurance:

Harley-Davidson is a well-known name in the motorcycle community, and their insurance is available in 48 states. They offer coverage for a variety of motorcycle types, including trikes, sport bikes, and cruisers.

Harley-Davidson insurance covers almost all makes and models of motorcycles, not just Harley-Davidson bikes. You don't need to own a Harley-Davidson to enroll for coverage.

To get an estimate of your costs, it's best to request a quote directly from Harley-Davidson. This will give you a more accurate idea of what you'll need to pay.

Harley-Davidson offers a total of 13 discounts, which can help you save money on your motorcycle insurance. These discounts are available for riders with a long history of riding, Harley Owners Group members, and those with a motorcycle endorsement on their driver's license.

Here are some of the standout benefits of Harley-Davidson insurance:

To get a motorcycle endorsement discount, you'll need to have a valid motorcycle license or endorsement on your driver's license.

Having a motorcycle endorsement on your license is a big deal, and it can save you some money on your insurance.

Proof of ownership is also required, which can include things like a copy of your homeowner's insurance policy, property tax assessment, mortgage payment coupon, or title for your mobile or modular home.

These documents help verify that you own a home, and it's an important part of the process.

Here are some examples of documents that can be used as proof of ownership: