How to reduce your motorbike insurance premiums

There are always going to be costs when owning a motorcycle: general maintenance; vehicle repairs; fuel; necessary equipment; and of course, insurance. However, there are ways to help reduce those overall costs, and reducing your motorcycle insurance premiums is one of the simplest. Certainly if you have more than one bike you'll certainly want to keep those costs down. In fact it's worth knowing you can actually get multi-bike insurance quotes from MCE Insurance and other specialist providers, which will aid in reducing premium costs even further.

Being a responsible motorcycle owner and rider is certainly paramount, however this is especially so in regards to taking out insurance. If you can show you take a high level of care and have a low level of risk, then chances are, your premium is likely to be lower. Just follow these simple tips to save money on your motorcycle insurance:

Increase your excess
Increasing your excess is a straightforward way to help lower your premium. It's well worth considering how much excess you could realistically afford to pay, as in the long run this may save you money through a lower premium rate.

Reduce your mileage
If your average yearly mileage is reasonably low, then you'll save more on your premium. If you can, try to limit the miles you cover each year, and if you already travel less than 5000 miles a year, make sure this is reflected in your quote when you take out your insurance policy.

Endorse your experience
The more driving experience you have, the better as far as insurance companies are concerned. And if you can go the extra mile (so to speak) and take an advanced riding course through an approved training provider, then this can also help reduce your insurance costs in many cases.

Ride solo
If you don't have to take a pillion rider on your bike then why not remove the pillion altogether? Again, this reduces the risk factor calculated by your insurance provider, and therefore will also aid in keeping those premium charges down.

Secure your bike
If you keep your motorcycle securely locked in a garage overnight then this will be considered when your initial insurance policy is quoted. Fitting your bike with alarms or immobilisers will also help to lower your insurance costs overall. In effect, the more you do to prevent your motorcycle being stolen or damaged, the more you'll save on your premium.

Always be honest when applying for your policy, and when completing your claims, to ensure you don't invalidate any future claims you make when you need them. While it is worth following these steps to lower the costs of your insurance premium, it's also important that you get the right policy for your individual needs, so that you're fully covered if anything should happen to you or your bike. At the end of the day, taking time to get to the right insurance is all part of being a careful and responsible motorcycle owner.