It is possible to find cheap motorcycle insurance if you know what to look for. A little bit of research can reveal just how much motorcycle insurance rates vary from state to state, rider to rider or even bike to bike.
Motorcycle insurance companies, like automobile insurers, will often charge more in premiums for riders of the faster, more powerful sport bikes than they would for less powerful motorcycles like touring bikes. They will also give riders a discount on their premiums for riders who take motorcycle safety courses. This has a dual benefit; riders who finish a rider safety course are not only going to save money, but are going to be better, safer drivers.
Motorcycle insurance companies sometimes charge more for riders who take passengers, so if you are willing to ride solo, you might be able to save yourself some money that way.
Some quick ways to make sure you get cheap motorcycle insurance include keeping your bike in a garage. If your motorcycle is stored in a garage it is less likely to be stolen. If you use the bike for recreation only, you may get a discount. Someone who uses the bike every day is more likely to have an accident and make a claim. Installing an alarm on your motorcycle can get you a small discount as well, and finally, joining a motorcycle organization like the American Motorcycle Association or Harley Owners group can get you a discount on your motorcycle insurance.
