{"id":8431,"date":"2026-04-09T11:00:06","date_gmt":"2026-04-09T18:00:06","guid":{"rendered":"https:\/\/blog.answerfinancial.com\/?p=8431"},"modified":"2026-04-09T11:07:04","modified_gmt":"2026-04-09T18:07:04","slug":"6-tips-to-reevaluate-motorcycle-insurance","status":"publish","type":"post","link":"https:\/\/blog.answerfinancial.com\/6-tips-to-reevaluate-motorcycle-insurance\/","title":{"rendered":"6 tips to re-evaluate Motorcycle Insurance"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">If\nyou own a motorcycle, you know that you couldn\u2019t put a price on your love for\nthe road. But if you could get out on the open road for less, wouldn\u2019t you?\nMotorcycle insurance coverage is just as essential to motorcycling as keeping\ngas in your tank. Therefore, it\u2019s only natural that many riders take their\npolicy for granted. If you haven\u2019t updated your insurance in years, it could\npay to think about your coverage and evaluate how it fits your riding style.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Where to Buy Motorcycle Insurance<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Most major insurance providers offer a wide range of products, which includes motorcycle insurance, however not all insurance products are created equal. At Answer Financial, we\u2019ll get you <a href=\"https:\/\/www.answerfinancial.com\/Motorcycle-Insurance?a=INSURANCE-QUOTE&amp;comingfrom=blog\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"quotes from several insurance providers\">quotes from several insurance providers<\/a> so you can explore the right policy for the way you ride.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you\u2019re covered, here are 6 simple tips for modifying your motorcycle insurance that could likely save you money in the long run, if not immediately:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Change Your Motorcycle Insurance Add-on Options<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Similar to auto insurance, motorcycle insurance has a number of endorsements<sup>1<\/sup>, which are changes to your insurance policy that adjust your coverage. Here are some you might want to consider adding or dropping<sup>2<\/sup> based upon your current needs:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Original Equipment Manufacturer (OEM) coverage: <\/strong>If your bike was in the shop, would you want to require the repair shop to use official replacement parts? This may increase your premium but could be important to you.<\/li>\n\n\n\n<li><strong>Transport Trailer coverage:<\/strong> Do you transport your bike in a trailer on long road trips? Depending on the carrier, you can add coverage up to $7,500 for damage or theft.<\/li>\n\n\n\n<li><strong>Trip Interruption coverage: <\/strong>When taking road trips far from home, this coverage could well be worth it. If your bike is disabled in a collision far from home, this will pay for lodging, transportation, and food.<\/li>\n\n\n\n<li><strong>Accessory coverage:<\/strong> Accessorizing your bike is a huge part of motorcycling. In many states, insurers include some custom parts and accessories with comprehensive insurance. The amount varies, but can typically be up to $3,000. If your customization far exceeds this, you might want to add-on coverage for a higher amount (sometimes      up to $30,000)<sup>2<\/sup> in the event of a collision or theft incident. <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These are just some examples of policy endorsements that a <a href=\"https:\/\/www.answerfinancial.com\/Motorcycle-Insurance?a=INSURANCE-QUOTE&amp;comingfrom=blog\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Motorcycle Policy from Answer Financial offers\">Motorcycle Policy from Answer Financial offers<\/a>. Other policy options include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Roadside Assistance<\/li>\n\n\n\n<li>Medical Payments<\/li>\n\n\n\n<li>Trip Interruption<\/li>\n\n\n\n<li>Total Loss coverage<\/li>\n\n\n\n<li>Rental Vehicle coverage<\/li>\n\n\n\n<li>On-road coverage for off-road vehicles<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Take a Motorcycle Safety Course<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In many states, a motorcycle safety course is now a requirement to obtain a motorcycle license, even if you\u2019ve been riding for life and can ace the state-administered road test. But if you acquired your license years ago, or you\u2019re in a state that doesn\u2019t require a motorcycle safety course, paying for a course yourself could lower your motorcycle insurance costs. With a certificate that shows you understand the fundamental life-saving tactics of good motorcycling, insurers may offer you a discount<sup>3<\/sup>. Regardless, you might learn something that could save your life or prevent you from having an accident that takes months of recovery time.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Understand Local Laws and Act Accordingly<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019ve recently moved, you might be wondering what kind of motorcycle insurance is required in your new state. Laws can vary from state to state and it\u2019s important to research before getting on the road. Differences in requirements often depend on the size of your bike\u2019s engine. If your current location does not require motorcycle insurance for your bike, you might want to keep a policy anyway for peace of mind. <a href=\"https:\/\/www.answerfinancial.com\/Motorcycle-Insurance?a=INSURANCE-QUOTE&amp;comingfrom=blog\" target=\"_blank\" rel=\"noreferrer noopener\">Ask one of our expert insurance agents<\/a> to reevaluate your situation. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Look into Getting Auto and Motorcycle Insurance from the Same Place<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As\nwith almost any insurance, adding one or more policies can result in discounts.\nFor riders who have separate auto and motorcycle policies, it might make sense\nto combine your motorcycle policy with your existing auto insurance policy. If\nyou\u2019ve switched to riding your motorcycle more recreationally and exclusively\nuse your vehicle to commute to work, this is an opportunity to modify your\npolicy to reflect that.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Adjust Your Deductible<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you carry comprehensive insurance on your motorcycle, it\u2019s possible that you carry a $500 deductible because your motorcycle was valued considerably higher than when you purchased it. Now that your motorcycle has depreciated in value, you could raise your deductible to save money. Additionally, you might be wondering if it\u2019s possible to pause your motorcycle insurance during the off-season when you\u2019re not riding. A better option is most insurance carriers will allow you to adjust your deductible<sup>4<\/sup> to better suit your situation. Allowing your policy to lapse may cost you more in the long run. With higher deductibles, of course, you will need to pay more out-of-pocket should something happen to your bike. But if you\u2019re riding less in the off-season, you might feel you\u2019re less likely to be in an accident or experience theft. Just remember to adjust your deductible once you begin riding more frequently again.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Speak With An Agen<\/strong>t<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Asking a professional agent to compare prices from multiple insurance companies is one of the best ways to get exactly the coverage you need. If you\u2019re not riding as many miles a year or have an exceptionally clean recent driving or riding record, you might be able to save some money. You can <a href=\"https:\/\/www.answerfinancial.com\/Motorcycle-Insurance?a=INSURANCE-QUOTE&amp;comingfrom=blog\" target=\"_blank\" rel=\"noreferrer noopener\">start a free quote<\/a> today or call one of our expert insurance agents at (800) 258-5101 to see how much you might save on a policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Who is Answer Financial?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As one of the nation\u2019s largest and most reputable auto &amp; home insurance agencies,\u00a0<a href=\"https:\/\/www.answerfinancial.com\/insurance-center\/who-is-answer-financial\/?a=INSURANCE-CENTER\">Answer Financial<\/a>\u00a0has insured nearly 5 million homes and vehicles. We work with 40+ top-rated carriers to save our customers an average of $677 a year on insurance.*<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On our mobile-friendly website, shoppers can quickly compare rates and customize coverages from multiple home insurers. By simply entering your zip code and home address, Answer can search publicly available records like square footage and year built to deliver side-by-side comparison quotes from reputable insurance companies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Answer Financial can help you&nbsp;<a href=\"https:\/\/www.answerfinancial.com\/Home-Insurance\/?a=EMAILNEWSLETTER06&amp;comingfrom=blog#\/\" target=\"_blank\" rel=\"noreferrer noopener\">compare, buy and often save the smart way on insurance<\/a>. So before you shop, remember to rely on your insurance experts to find you the right home insurance plan for your needs and budget.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you own a motorcycle, you know that you couldn\u2019t put a price on your love for the road. But if you could get out on the open road for less, wouldn\u2019t you? Motorcycle insurance coverage is just as essential to motorcycling as keeping gas in your tank. Therefore, it\u2019s only natural that many riders&hellip;<\/p>\n","protected":false},"author":22,"featured_media":8441,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[422],"tags":[296],"class_list":["post-8431","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto","tag-motorcycle-insurance"],"ic_custom":{"author_name":"AnswerFinancial","medium_thumbnail":"<img width=\"300\" height=\"200\" src=\"https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2020\/03\/Motorcycle-Insurance-300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"Motorcycle Insurance\" decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2020\/03\/Motorcycle-Insurance-300x200.jpg 300w, https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2020\/03\/Motorcycle-Insurance-1024x683.jpg 1024w, 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