Affordable Insurance for Motorcycles

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Here's what you need to know...
  • Changing your policy mid-term might actually save you money on motorcycle insurance
  • Motorcycles are considered high-risk, so you would be facing a higher premium
  • A long-standing, clean driving record or smaller, slower motorcycle could get you a discount
  • Where you store your motorcycle can affect your insurance costs


Motorcycle riders face many obstacles. One is elusive, low-cost coverage for your motorcycle. Car insurance premiums for riders can be high. If you are sick of your sky-high premiums and mystified by the wild fluctuations between various quotes, then read on.

Insuring a new motorcycle is complex if you don’t know where to go to get the best deal. You need to understand how companies view risk in order to get a great deal. Here are some ways to get that new bike AND the lowest premiums you deserve.

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What is a pro-rata premium refund for motorcycle car insurance?

Stacks of coins next to a calculator

A pro rata or prorated fund just means that the company will use a careful measurement to return all monies not yet spent to you. Be a proactive customer. Many companies expect their policyholders to be passive, but your persistence could pay off.

By changing your policy mid-term, you may see significant savings, particularly if you have made no claims on the policy.

If this is the case, you could be entitled to a pro-rata refund for the entire amount of the policy, allowing you to explore other, more cost-effective options.

Can I save on motorcycle insurance through premium comparisons?

By utilizing a premium comparison service, you are “going directly to the manufacturer,” so to speak. An insurance dealer can offer up incentives and discounts that ordinary insurance companies simply do not boast because they deal with a variety of companies and are able to do the shopping around for you.

Many of us money-savvy customers know that dealers are merely brokers that can submit to you a variety of choices to fit your needs. Of course, you may buy your motorcycle from your local dealers since you like them. In the insurance world, the role of the local shop is played by your local friendly broker.

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How does lowering my risk lower my motorcycle insurance premium?

When an insurance company quotes you a price for an insurance premium, they do so based on the perceived risk of taking you on as a customer. High-risk drivers pay higher premiums.

It follows, then, that the best way to lower your premium is to simultaneously lower your chances of being a risk:

  • Store your motorcycle inside a secured building at night, rather than on the street
  • Provide your agent with an accurate estimate of yearly travel miles
  • Ride strictly solo

All of these suggestions will help to remove you from the high-risk pool.

How does experience impact my motorcycle car insurance rates?

Biker in helmet driving chopper motorcycle on sunset. Road in the city. Front view over the sky.

Insurance companies look for a long, safe driving record. You present less of a risk after you have ridden a motorcycle for a few years.

Additionally, know that a larger, faster, more powerful, motorcycle presents a greater perceived risk to your insurance company, than a smaller, slower, more sedate model.

However, once you’ve ridden the larger model safely, and for an extended period of time, you will see a decrease in your insurance premium as well. Also, there are a few companies that will offer you a discount if you “downgrade” to a smaller, slower model.

What are multi-vehicle motorcycle car insurance policies?

These are for riders who own or need to insure more than one motorcycle. Contact an insurance specialist who offers multi-bike policies, if you own more than one motorcycle. The most advisable policies are those that provide the most coverage for the lowest rate.

What else can I do to get lower motorcycle car insurance rates?

parking garage
  • Keep your bike safe: Did you know that motorcycles are twice as likely to get stolen as other vehicles? Insurance companies offer significant discounts (in some instances, more than 30%) for storing your motorcycle in a secure building off the street, where it is less likely to be taken. Stowing it away safely, on private property, gives you a better chance of seeing this discount on your premium.
  • Present a low risk: Earlier in this article we discussed how your premium reflects your perceived risk to your insurance company. If your only mode of transportation is your motorcycle, you present more of a risk. Likewise, if you also own a car, truck, or van, you present less of a risk, and there are insurance companies that would offer you a discount. Additionally, if your record is flawless, or at the very least, above average, you can also expect to pay lower insurance premiums.
  • Be patient: Accidents and convictions can send your insurance premiums through the roof. However, shopping around becomes paramount if you happen to have a clean driving record AND higher-than-average insurance premiums. Shop around.

Often, insurance companies’ quotes will differ greatly. This may be due to where you live, the type of motorcycle you have, etc., while others may consider you an exemplary potential customer.

You’ll see these differences reflected in the premiums the insurance companies quote you. These differences may seem like nonsense, but it’s actually the various companies jockeying for position.

Of one thing you can be certain–prices will continue to vary as these companies vie for your patronage.

Compare rates now with motorcycle car insurance quotes!

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