How to lower your Ohio motorcycle insurance rates


Ohio Motorcycle Insurance


Motorcycle owners in the greater Dayton-Cincinnati area may be a risky bunch by nature, but when it comes to your Ohio motorcycle insurance policy, it is not a good idea to indulge that tendency. If you own a motorcycle, you need to have sufficient insurance coverage in place. Fortunately, there are some proven strategies motorcycle owners in Ohio can use to trim their insurance costs, without sacrificing the coverage they need.

Ride Carefully – Keep Your Driving Record Clean

Perhaps the most effective thing you can do to keep your motorcycle insurance rates low is to be a careful and proactive rider. Keeping your driving record clean can significantly lower your insurance rates, so be sure to take safety into account each and every time you ride.

If you are a new rider, consider enrolling in a safe biking course. You can often find these courses at your local community college. Many insurance companies provide discounts for riders who successfully complete a safety course, so it may be worth your time and effort.

Choose Your Motorcycle Carefully

Some motorcycles seem to be irresistible to thieves and if you own one of these models you may end up paying the price. Before you shop for your bike, be sure to check theft records. Don’t forget – you can also contact us for a rate quote before buying your motorcycle.

Install an Anti-Theft Device on Your Motorcycle

Installing an anti-theft device can also reduce your premiums. Alarms make it that much harder for thieves to make off with your bike. Not only do they protect your motorcycle from theft, but they can lower your insurance costs at the same time.

Ask About Discounts

By having your homeowner’s, auto and motorcycle insurance with the same company, you may be eligible for a multi-policy discount. Be sure to ask your agent about any discounts that may be available.

In addition to multi-policy discounts, many insurance companies offer additional discounts for everything from a college degree to a safe driving record. Just like with your car, you may be eligible for additional discounts if you keep your motorcycle in a garage where it is safe from thieves and from the forces of nature.

Raise Your Deductible

Another excellent way to lower your monthly motorcycle insurance premiums is to raise your deducible. Deductibles and premiums move in opposite directions, so the higher your deductible, the lower your monthly premium. You can make this work for you by funneling the difference into a separate savings account that you can use to cover unexpected expenses in the event of an accident.

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This entry was posted on Tuesday, September 7th, 2010 at 2:27 pm and is filed under Agent Clint, Insurance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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