Kentucky is home to many beautiful, winding roads for bikers. So, it's no surprise that there are plenty of motorcycle rallies and shops to enjoy throughout the state.
When owning a motorcycle, it's important to have the right amount of motorcycle insurance in case of an accident. It's equally important to save as much money as possible on your insurance. Although motorcycle insurance is relatively inexpensive, premiums can increase without notice until you're paying too much.
Here are some ways you can save on your premium.
1. Build Your Credit Score
Your credit score can have a heavy affect on your insurance rates. Credit is seen as how reliable you are for paying bills on time. Those with low credit scores pay more so the insurance provider can compensate for possible losses.
You can build credit by paying off other debts, such as credit cards, as well as by setting up automatic payments so that you never miss a bill.
2. Ask About Discounts
There are plenty of discounts available for bikers across Kentucky. Ask your Augustine Insurance agent about discounts you may qualify for, such as:
- Mature Driver Discount
- Motorcycle Safety Course Discount
- Multi-Policy Discount
- Pay in Full Discount
It also helps to look for insurance providers that have accident forgiveness programs or those that are lenient on credit scores.
3. Drive Defensively
Your driving record is one of the biggest influences on your motorcycle insurance rates. Keep in mind that any accident in your car will also affect your motorcycle insurance rates, as they share a single driving record.
Drive defensively and avoid distractions on the road. You can also save money by taking motorcycle driving courses, including military biking courses.
4. Install An Anti-Theft System
Motorcycle insurance is primarily calculated based on the risk of a driver filing a claim. Lowering the likelihood of filing a claim can save you money on your motorcycle insurance. Add an anti-theft system to your motorcycle to deter thieves and make sure to store the bike inside a closed garage when not in use.
Be sure to compare quotes in your area and figure out the amount of insurance that is right for your motorcycle. Less insurance coverage can save you money, but it also leaves you open to more expensive bills on the future. Check the motorcycle insurance requirements in Kentucky and speak with a professional at Augustine Insurance before signing onto a motorcycle insurance policy.
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