Bundle if Possible: Before purchasing a policy elsewhere, be sure to check with your current auto and/or home insurance provider to see if they offer a bundling plan. Often these plans are available to current customers at a discounted rate.  
 

Speak with an Independent Agent: Purchasing insurance online may be convenient, but reaching out to an independent agent is the best way to secure a good deal, along with personalized assistance. In some cases, the agent may help you qualify for special deals or offers. In addition, a live agent can help you customize your policy to suit your specific needs. 
 

Choose Your Plan Wisely: Simple liability and comprehensive coverage are two very different types of policies. When investigating plans, make sure you choose a policy with just the right amount of coverage. Consider your bike's worth, whether you ride year-round or seasonally, and what type of medical coverage is offered in the event of an accident. 
 

Take a Safety Course: Safety courses can reduce your total policy cost. These courses are often available at your local motorcycle dealership or by a private company. When you complete the course you will receive a certificate to share with your insurance provider, which can reduce your rate of coverage. 
 

Check State Laws: Before purchasing a policy, be sure the coverage is enough to meet state motorcycle insurance regulations. Though many of these regulations are standard, they still can vary from state to state.