Are You Paying Too Much for Motorcycle Insurance?

The average cost of motorcycle insurance in San Antonio, TX will depend on the coverage you choose and other factors, such as driving range, accident history, and type of bike. While motorcycle insurance is required, there are ways to save if you think you are paying too much for motorcycle insurance.

If your limits are too high, you could be paying for insurance you don’t need. However, if your limits are too low then you are at risk for having to pay out of pocket if an accident does occur. Increasing your deductible can help lower the cost of your premium while keeping coverage, which can be useful.

Start looking for a company that offers discounts for motorcycle insurance. Some of these discounts can include a mature rider discount for riders that have some years under their belt, a paid in full discount, a responsible driver discount, a multi-bike discount, or an anti-lock brake discount. There may also be a continuous coverage discount for those who don’t cancel in the winter and sign back up in the spring. Ask an agent at Access Insurance Services to see if you can qualify for any discounts.

A motorcycle safety class may also help you reduce your rates. It can help you save money now and also help you reap benefits in the long run by helping you stay claim free and ride better.

Choosing the right bike can also help you save on motorcycle insurance. A newer and more expensive bike will be more expensive to insure. If your bike has a larger engine, it could also be resulting in larger premiums. Bikes with a lot of chrome can cause premiums to increase. Sports bikes may also not be insurable because they are considered high risk.

Contact Access Insurance Services, serving San Antonio, TX, to get a quote on motorcycle insurance.