Summer is when motorcycle enthusiasts do their most riding, sometimes in groups with other riders. However, when you consider you are 35 times more likely to be involved in a deadly accident on a motorcycle, it’s imperative to learn as much as you can about motorcycle safety. Here are ways that a motorcycle safety course can improve your riding experience.
- Reduces Motorcycle Insurance Rates
One of the reasons motorcycle insurance can be expensive is due to the higher risks of death or injury involved. Be aware that 11 percent of all traffic accidents involve motorcycles in the United States. However, enrolling in a motorcycle safety course shows your insurer you care about reducing accident risks. So after you’ve completed a certified motorcycle safety course, ask your insurance agent if you qualify for a discount.
There are other ways you can reduce your insurance rates as well. One of the main factors that shape your monthly premium is your driving record. Keeping it spotless with no accidents or moving violations will help your chances the most for a discount. Another factor is where you live since high-crime rate areas pose higher risks for filing a claim. You can also raise your deductible – the amount you pay when filing a claim before your insurer covers the rest – to lower monthly rates.
- Sharpens Your Riding Skills
Another reason to take a motorcycle safety course is to improve your riding skills. Many of these courses last for only five hours in the classroom and ten hours riding in an off-road setting. Some schools that offer these courses provide motorcycles as well.
If you are already an experienced motorcycle rider and just want a refresher course, the Motorcycle Safety Foundation offers classes such as the “Advanced RiderCourse.” It provides deeper insights on driving safety and helps refresh your memory about basic techniques in case you haven’t gone riding in a while.
- It’s a Worthwhile Investment
The money you spend on insurance or safety classes doesn’t go down the drain. Not only is insurance a state requirement by law for motorcyclists, but it also gives you financial security. If you get into an accident, the right insurance plan will prevent someone from suing you personally. As long as the damage you cause doesn’t exceed your coverage limits, your liability insurance will pay the bills of crash victims.
Before you pour thousands of dollars into a new motorcycle, check what your insurance rate will be by getting quotes from various insurers. That way, you won’t be shocked at the price of insurance. Ultimately, motorcycle insurance is an investment in your financial stability. A motorcycle safety course will help make safety a more top-of-mind issue that protects your passengers and the public.
How Gant Insurance Can Help You
Taking a motorcycle safety course should be a top priority if you decide to invest in a motorcycle. Completing the course will keep safety issues fresh in your mind, and it may entitle you to a discount on your monthly premiums. Contact our experts at Gant Insurance Agency for more information on securing the right motorcycle coverage for your needs.
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