According to USDOT, there are over eight million motorcyclists in the United States, and almost 100,000 injuries occur each year. With those statistics, it’s easy to see why motorcycle insurance in Wichita KS is so important. Here, riders can learn how to save on motorcycle coverage.
Take a Training Course
Riders may be able to get discounts on insurance by completing a motorcycle safety course. These courses are particularly good for new riders and those who have been in accidents, but there’s a limit on how often the discount can be applied.
Customize Coverage
It’s important for riders to buy coverage that reflects their usage habits. For instance, if the bike is only ridden on the occasional weekend, the rider’s insurance policy will be cheaper than it would be for a daily commuter. If the motorcycle is stored for winter, ask for a lay up policy that removes everything but basic coverage during the off season.
Get an Age-Related Discount
Many companies offering motorcycle insurance give lower rates to mature riders, particularly those with clean histories. Some of these discounts start when a rider is relatively young, but others won’t start until they reach middle age.
Adjust the Deductible
The policy’s deductible is the amount paid out of pocket after a collision. A higher deductible means that the insurer assumes less of the risk, and it allows the rider to lower his or her monthly premium. Riders who can afford to do so should consider higher deductibles, but they should also ensure they can pay it if an accident happens.
Pick a Good Bike
Some bikes are seen as a greater risk. For instance, insurers typically quote supersport and sport bike riders a higher rate. Unless a rider is set on one of these models, they may want to consider a style that’s favored by the insurance companies.
There’s nothing like the freedom of the open road, but insurance costs can quickly add up. Opportunities to save on motorcycle insurance in Wichita KS are plentiful, and taking the time to learn about them now can provide significant long-term savings. Call today to purchase a policy or visit the website to get more information.
