Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It's also a good idea for cyclists who have already had accidents. Maintaining a good driving record with no violations will also help reduce your premiums.

In many northern states, riders may save money by buying a "lay up" policy. With a lay up policy, all coverage except comprehensive is suspended during winter months.
Find out what discounts your insurance representative offers. Multi bike discounts for those insuring more than one bike, organization discounts if you're a member of a motorcycle association, and mature rider discounts for experienced riders are just a few possibilities. Discounts can range anywhere from 10 to 20 percent depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.

Keep in mind that the type, style (such as a sports bike vs. a cruiser), age of the motorcycle, number of miles you drive a year and where you store your bike may also affect how much you pay for your premium

Additional Information on Motorcycle Insurance:

Liability
Collision
Comprehensive
Uninsured/Underinsured Motorist
Tips for the cost conscious rider

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