Riding Safe and Insured—Motorcycle Safety Tips for Lower Insurance Rates

Riding a motorcycle can be an exhilarating experience, but it’s essential to prioritize safety on the road to protect yourself and your wallet.

Here are a few ways to stay safe while enjoying the open road.

Invest in Safety Training

Completing a certified motorcycle safety course not only enhances your riding skills but also demonstrates to insurance companies that you’re a responsible and trained rider. Many insurance providers offer discounts for riders who have completed such courses, so it’s a win-win for safety and savings. Your agent can help you evaluate your options and choose a course that can help reduce your future motorcycle insurance premiums.

Carefully Choose Your Motorcycle

When selecting a motorcycle, consider factors such as engine size, power and intended use. A smaller, less powerful bike can be safer for inexperienced riders and result in lower insurance premiums. High-performance motorcycles typically come with higher insurance costs due to increased risk, so weigh your options carefully to find a bike that fits your skill level and budget.

Before purchasing or leasing a motorcycle, consult your agent to understand your potential insurance costs.

Use Safety Gear

Wearing proper safety gear is non-negotiable for motorcycle riders. This includes a DOT-approved helmet, protective jacket and pants, gloves and boots. Wearing protective gear reduces your risk of injury in the event of a crash while demonstrating to insurers that you take safety seriously, potentially leading to lower insurance rates. Some insurance companies offer discounts for riders who consistently wear safety gear.

Practice Defensive Riding

Assume other drivers may not see you and anticipate potential hazards or dangers. Maintaining a safe following distance, avoiding blind spots and using your turn signals can help reduce your risk of accidents and make you a more attractive candidate for lower insurance rates.

Maintain a Clean Driving Record

Your driving record plays a significant role in determining your insurance premiums, so it’s crucial to ride responsibly and avoid traffic violations or accidents. Practice safe riding habits such as obeying speed limits, signaling properly and avoiding distractions while riding. A clean driving record demonstrates to insurers that you’re a low-risk rider, which can result in lower insurance rates over time.

Contact Us

Contact the Darden Insurance Agency, Inc. team in Hampstead, North Carolina, today to learn more about reducing your motorcycle insurance premiums. Our agents can help identify potential discounts to help secure competitive rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.