Just like driving an automobile, you will need motorcycle insurance before you can venture out on the open road. This coverage can offer a lot of different options so it is best to thoroughly go over everything with your agent to ensure that you have the level of protection that you need. If you think for some reason that this type of insurance will be cheaper than an automobile, think again!

Many agents look at motorcycles as high-risk vehicles but there are a few things you can do to make sure that you are getting the best rate.

1. Primary or Secondary – Is your motorcycle going to be your primary means of transportation everyday or will you just be using it on the weekends and the occasional evening? The amount of time you spend on your bike could make a significant impact on the cost of your premium.

2. Safety Course – You can really lower your rates a great deal if you participate in a training course for motorcycle safety. Not only does it decrease your premium, it’s just a good idea for every driver to take one of these courses. Your local Department of Motor Vehicles can provide more information on where and when these are held.

3. Winter Storage – If you don’t plan on driving your motorcycle during the coldest winter months, change your coverage so that you are only paying for storage. Just be sure to change it again before you drive it and yes, this includes if you only want to take it out for a spin on that one warm day that often appears mid-winter, right before the biggest snowstorm! On a side note, if you do plan on riding in the winter, consider buying heated motorcycle jackets for you and your riding companion. When you get too cold, your reaction time on the road is compromised because your blood flow slows down to protect your vital organs which increases your chance for an accident.

4. Health Insurance – Just like automobile premiums, you are eligible for lower rates if you already have health insurance. Make sure that your motorcycle insurance agent is aware of any coverage that you have and if you don’t have health insurance, now is the time to start thinking about it.

5. Protective Clothing – Depending on your agent, you may be able to get yourself a bit of a break in premium costs if you wear protective motorcycle leather clothes. It is more resistant in a fall and can protect you from flying debris. Not to mention, there are actually jackets that feature an airbag inside. When shopping for your leather pieces, look for reinforced panels at elbows, shoulders, knees and hips as well as double seams so they aren’t likely to split open if you slide across a little pavement. Even if your agent won’t give you a discount for your apparel, it is still a good idea to protect yourself.

Regardless if you are a new or experienced rider, the right insurance coverage is crucial. You can never predict the actions of other drivers on the road so make sure that you take safety precautions like wearing protective clothing and staying warm during in cold weather. Take the time to take a safety course, not only for a lowered insurance premium but also for the elevated level of awareness it provides.

About the Author: Mike Ellero is a motorcycle salesperson who also rides daily. He helps consumers with their bike purchases and assists them in finding the lowest insurance premium available to get them out and on the road as fast as possible.