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How to lower the cost of motorcycle insurance

If you are a motorcycle owner in the state of Texas, you need motorcycle insurance coverage. You can either get your motorcycle insurance coverage through national insurance companies or your local insurance agent. Your monthly premium for the coverage may differ depending on where you get your policy.

To lower your monthly premium, you need to take a few steps. Here are easy ways to lower the cost of your motorcycle insurance.

Shop Around for lower price

Shopping around for lower motorcycle insurance will help you lower your monthly premium. And the easiest way to ensure you are getting the absolute lowest prices is to contact a motorcycle insurance agent in your area. These agents have access to a number of national insurance companies and can easily give you the lowest prices available. This is easier than calling different companies, getting their price quotes and comparing them. In Katy, Texas, call us at 281-398-1010 or toll-free 1-877-952-1010. We work with name brand insurance providers and we can easily get you the lowest available quotes.

Bundle Insurance Policies

Most insurance service providers will tell you that bundling your services is another way to lower your monthly premium. Adding homeowner, auto, motorcycle and other insurance policies in one policy package allows you to take advantage of discounts of up to 20% from insurance companies. These companies want more than just motorcycle insurance from you and will offer huge discount for the privilege of servicing all your insurance needs.

Don’t Carry More Coverage than You Need

Many motorcycle owners mistakenly believe that carrying the most insurance coverage is to their advantage. The truth is that carrying only the coverage you need will save you a lot of money every month. Consider the coverage you really need and get that coverage. If you do not need comprehensive coverage, get liability insurance.

Get Training and Certification

Getting the necessary training and certification is another way to lower your monthly motorcycle insurance premium. Insurance companies generally believe that trained and certified riders will have fewer accidents. Take advantage of this and get certified as a safe motorcycle rider.

Reduce Mileage

Just as in automobile insurance, you can reduce your monthly premium if you ride less miles every month. The farther you ride, the higher your chances of being involved in accidents hence the higher your premium. If you can reduce your monthly mileage, insurance companies will reward you with lower monthly premium.

Secure Your Motorcycle

Instead of parking your motorcycle on the curb or in your driveway every night, park it in the garage and take advantage of your parking discount. Insurance companies offer discounts to motorcycle owners who park their bikes in the garage instead of outside. Parking it in the garage means fewer chances of vandalism or theft which could lead to more claims from the insurance companies. Adding anti-theft devices, alarms and other security measures could also lower your monthly premiums.

Join an Association

Insurance companies will reward you with up to 5% discount for belonging to motorcycle associations. Ask your insurance agent about this discount today.


Local: (281) 398-1010
Toll Free: (877) 952-1010
Fax: (281) 398-0909

21430 Provincial Blvd, Katy, TX 77450