Top Discounts Motorcycle Insurance Companies Offer
Looking to reduce your motorcycle insurance cost? At Motorcycle Insurance, we know how vital it is to find cheap motorcycle insurance that still delivers quality coverage. Here’s your go-to guide on the motorcycle insurance discounts offered by top insurers, helping you discover the best motorcycle insurance at unbeatable rates.
1. Progressive Motorcycle Insurance
Progressive motorcycle insurance stands out with a variety of savings opportunities:
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Bundle with auto or home (auto and motorcycle insurance) for multi-policy savings.
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Quote in advance, safety course completion, or adding a motorcycle endorsement can all lower your rate.
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Responsible driver, pay-in-full, and Safe and Steady Rider® discounts are also available.
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Loyalty benefits include small and large accident forgiveness and disappearing deductibles.
2. GEICO Motorcycle Insurance
Geico motorcycle insurance offers a range of ways to save:
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Up to 10% off for policy transfers, multi-motorcycle policies, mature riders, renewals, and multi-policy discounts.
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Safety course and defensive driver discounts; MSF instructors can score up to 20% off.
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Lower rates for motorcycles with anti-theft systems.
3. Nationwide – Best Motorcycle Insurance Discounts
If you’re looking for insurance motorcycle insurance that rewards clean riding:
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Good driver discounts can be significant—up to 40% off for riders with spotless records.
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Additional savings for bundling policies, completing safety courses, using theft recovery systems, being a homeowner, paying in full, or owning a motorcycle with anti-lock brakes
4. Harley-Davidson® Insurance — Custom Motorcycle Insurance Options
Tailored for riders who value brand identity and safety:
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Discounts for H.O.G.® members, experience, riding courses, home ownership, prompt payment, claim-free renewals, multi-cycle policies, new motorcycle purchases, anti-theft devices, and military/law enforcement service.
5. Farmers Motorcycle Insurance
This provider rewards responsible riders:
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Discounts for multi-policy, multi-unit, prior insurance, affinity group, safety course, airbag-equipped, and anti-lock brake motorcycles.
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Additional perks include first accident waiver, medical payment boosts when wearing DOT helmets, and a deductible waiver with stolen vehicle recovery systems.
6. Other Key Discounts to Explore
Whether you’re a custom motorcycle insurance client, a motorcycle courier insurance rider, or seeking motorcycle breakdown insurance, discount options abound:
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Many insurers provide rider safety, accident-free, and member affiliation savings—typically between 10–15%, depending on the policy.
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Looking for motorcycle insurance near me? Independent agents can help tailor a motorcycle insurance quote that clusters these discounts for maximum savings.
Why It Pays to Shop Smart
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The average motorcycle insurance cost in the U.S. hovers around $399/year ($33/month), but using discounts strategically can make your plan much more affordable.
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Discounts for being a safe, experienced, or multi-policy rider can stack up, making cheapest motorcycle insurance more than a dream—it’s achievable
Conclusion
When seeking the best motorcycle insurance, it’s not just about finding a low price—it’s about maximizing the discounts you’re eligible for. Whether you’re shopping for cheap motorcycle insurance, a motorcycle breakdown insurance plan, or even motorcycle courier insurance, let Motorcycle Insurance guide you toward tailored quotes that save you money without compromising coverage.
