Motorcycle Insurance Discounts

Save by maximizing your discounts.

picture of motorcycle exhaust pipe

Available motorcycle insurance discounts

Each insurance company has their own selection of motorcycle insurance discounts. We've compiled a list so you know what to ask for when you speak to your agent. Not all discounts are available with all carriers.

Quote in advance

Get a discount for obtaining a quote at least one day before your policy starts. The amount of days you must obtain the quote in advance will vary by carrier and typically ranges from 1-7 days.


Stack up more discounts by bundling home, auto, renters and umbrella with your motorcycle policy.

Safe rider

No accidents or tickets. Generally, you must have no accidents or tickets for 5 years. Some companies will only have a 3 year requirement for tickets. This takes into account your total driving record for all vehicles, not just your motorcycle.

Motorcycle safety course

Complete a motorcycle safety course.

Motorcycle organization membership

Members of certain riding organizations may qualify for discounts. Check out the American Motorcycle Association, American Gold Wing Association, Motorcycle Safety Foundation, Harley Owners Group, Honda Riders Club, Indian Motorcycle Riders or BMW MOA.

Instructor discount

Motorcycle Safety Foundation instructors can receive a discount.

Mature rider

Riders above a certain age can enjoy up to a 10% discount.

Switch from another company

Switch from another company if you already have a motorcycle insurance policy.

Multiple motorcycle discount

Get a discount for insuring multiple bikes.


Discount applied for renewing your policy.

Theft recovery device

Motorcycles with GPS that can aid in locating the bike if it has been stolen.

Anti-lock brakes

You can get a discount for having an Anti-lock braking system (ABS).

Continuous coverage

No lapses in coverage.

Paperless billing

Discounts for receiving your bill electronically rather than by paper mail.

Auto pay

Set up automatic payments for a discount.


Get a significant discount for paying your premium in full whether your policy term is 6 or 12 months.

On time payments

Save by making sure you make all your premium payments on time.

Qualifying for discounts

Still not sure how to shop and tie all these discounts together? No problem. As an independent agency we can help you find out what discounts you qualify for and craft the perfect policy for you. The cheapest isn't always the best so it's important we look at the full picture and strike that balance between price and coverage.

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