In the state of Maryland, anyone operating a vehicle on public roads is required to purchase a minimum level of insurance. For those who operate motorcycles, the cost of insurance is typically higher on average. This is because motorcycle insurance often has to cover more in physical injury and property damage. Riding a motorcycle is naturally more dangerous than driving a car, which means riders have to pay more for insurance than drivers. But there are ways you can save money and still meet the minimum requirements for insurance.
How to Save on Maryland Motorcycle Insurance
Riding a motorcycle can be a freeing and exhilarating experience. But it can also be costly. Not only are the accidents more severe, but the cost of monthly premiums is also higher. But by riding safely and taking advantage of certain discounts, you could help save money each month on motorcycle insurance.
Keep a Clean Driving Record
Riders who have previous accident reports tend to pay more in their monthly premiums. Even if the accident wasn’t your fault, you’ll likely still have your costs go up. The longer you go without making an accident report, the more you can save on your premium. Having a clean driving record is one of the best ways to help save money on insurance. By being a defensive rider, you can often avoid dangerous situations and keep yourself safe on the road.
Attend Motorcycle Safety Courses
Insurance payments are all about risks. The higher the risk of an accident, the more you’ll likely have to pay for insurance. Attending a motorcycle safety course can help reduce the cost of your premiums. By showing that you are knowledgeable about the safe operation of a motorcycle, you show that you are at a lower risk of getting into an accident. It’s important to check ahead of time with your insurance provider to see which courses are accepted for the discount.
Store Your Motorcycle Safely
A lot of accidents and theft can happen when a vehicle isn’t stored in a safe and protected garage. Paying for a parking spot in a safe place can often get you a discount on your insurance. This is because the risk of damage or theft is greatly decreased. While the monthly cost of a spot may seem like spending extra, your premium will likely drop by more, saving you money in the long run.
If you drive a motorcycle, you could be paying extra each month in insurance. At Roadway Auto, we’re dedicated to helping you get affordable motorcycle insurance. Call us today at 301.476.1183 to get a quote and see what kind of discounts you could be eligible for.