Taking a motorcycle safety course can help you become a more confident and prepared rider. It may also have an impact on what you pay for motorcycle insurance. Some insurers offer discounts to riders who complete an approved safety or rider training course, although savings and eligibility can vary.
How Safety Course Discounts Work
Insurance companies weigh several factors when setting motorcycle insurance premiums, including your driving history, age, location, motorcycle, and coverage limits. Completing a recognized motorcycle safety course can demonstrate a commitment to safer riding and, with some insurers, may qualify you for a discount.
The size of the discount depends on the insurance company and your individual policy. Not every insurer offers this type of savings, and some may only recognize specific courses or training organizations.
What Courses May Qualify?
Before signing up for a course, check with your insurance company to find out which programs it recognizes. In many cases, courses need to meet specific requirements or be approved by a recognized motorcycle safety organization or state program.
You may also need to provide proof of completion, so hold onto your certificate and ask your insurer whether the discount has an expiration date or needs to be renewed periodically.
Is a Safety Course Worth It?
Even without a discount attached, a motorcycle safety course can still be worthwhile. Training can reinforce skills like braking, cornering, hazard awareness, and emergency maneuvers, all of which can help you become a safer rider overall. If you’re considering a course, contact your insurance agent before enrolling; they can tell you whether your policy offers a safety course discount and which courses may qualify.
If you’re ready to purchase a motorcycle insurance policy, the team at Swartz Premier Group Insurance, serving Moberly, MO, is here to help. Call us today to set up an appointment with one of our agents.
