How to Lower Insurance Rates with a Motorcycle Safety Course
If you are a motorcycle rider, you know that many of the factors that affect your motorcycle insurance rates are similar to those that affect your car insurance rates. Your age, the type of vehicle you drive, and your driving history all influence your insurance premiums.
A motorcycle safety course is a common way of lowering your insurance rates. In some states, motorcycle safety courses are even required for drivers under age 21. Courses are more likely to be optional for older drivers.
Why Take a Motorcycle Safety Course?
A motorcycle safety course is designed to make you a safer driver. As a safer driver, you lessen your insurance company's risk of having to pay out a claim. For that reason alone, insurance companies often offer discounts (often between 10% and 15%) to riders who complete an approved motorcycle safety course.
Of course, motorcycle safety courses provide benefits outside of insurance discounts. Being a safer motorcycle rider makes you less likely to:
- Have an accident.
- Get injured.
- Damage your motorcycle.
- Incur hefty fines for traffic violations.
In some states, such a course can even be used to waive the motorcycle license skill test and/or knowledge test required to get your motorcycle license.