How to reduce the price of your motorcycle insurance?

Are you a motorcycle enthusiast looking to reduce the cost of your insurance ? You are right! Motorcycle insurance can represent a significant portion of your annual budget. Fortunately, there are several ways to reduce this bill without compromising your coverage. In this article, we give you all our tips for paying less for your two-wheeler insurance .

Choosing the right motorcycle insurance plan

The first step to take to reduce the price of your motorcycle insurance is to choose your insurance plan carefully. In fact, not all contracts are equal and some offer more guarantees than others, at a higher cost.

Start by clearly defining your coverage needs . Do you need comprehensive insurance or is third-party insurance sufficient? What guarantees are essential for you? Once you have identified your needs, you will be able to compare the different offers on the market and choose the formula best suited to your situation.

Do not hesitate to contact several insurers to get an overall view of the rates charged. You can also go through an insurance broker who can guide you in your choice.

Opt for third-party insurance

If you own a used motorcycle or your two-wheeler is not very valuable, third-party insurance can be a good option to reduce the cost of your insurance. This formula only covers you in the event of damage caused to others. It does not cover damage to your vehicle.

Of course, this solution involves more risks than comprehensive insurance. But if your motorcycle does not have a high market value, it can be a good compromise to reduce your insurance bill.

Choose a high deductible

Another option to reduce the price of your motorcycle insurance : opt for a high deductible . The deductible is the portion of the damage that you will have to cover in the event of a claim. The higher it is, the lower your insurance premium will be.

Of course, you will need to be able to afford this excess in the event of an accident. But if you are a careful driver and are not in the habit of calling on your insurance, this may be a good solution.

Adapt your coverage to your profile

In addition to choosing the insurance formula, other criteria are taken into account when calculating your premium. Your driver profile , the use you make of your motorcycle, or the characteristics of your two-wheeler can have an impact on the price.

Enhance your driving experience

The more years of experience you have in motorcycle riding , the more your insurance premium will tend to decrease. Indeed, insurers consider that more experienced drivers are less at risk.

So don't hesitate to highlight your seniority with your motorcycle license when taking out your contract. Some insurers also offer discounts for license holders for more than 5 or 10 years.

Adapt your motorcycle use

The annual mileage you drive on your motorcycle also affects the price of your insurance. The more you ride, the higher your premium will be.

If you only use your two-wheeler for occasional trips, such as weekends or holidays, let your insurer know. They will then be able to offer you a plan with limited mileage , which is less expensive than insurance for daily use.

Choosing a suitable motorcycle

Finally, the technical characteristics of your motorcycle play an important role in calculating your insurance premium. The more powerful and expensive your two-wheeler is, the more expensive your insurance will be.

So when buying your motorcycle, remember to take this aspect into account. Opt for a less powerful or less expensive model if you want to reduce the cost of your insurance. You can also choose a motorcycle equipped with safety devices , which often benefit from price reductions.

Take advantage of discounts and bonuses

Beyond choosing your insurance plan and adjusting your coverage, there are other ways to lower the price of your motorcycle insurance. Here are some avenues to explore:

Accumulate bonuses

Most insurers offer bonuses to reward good drivers. For example, you may get a discount on your premium if you have been claim-free for several years in a row.

So don't hesitate to ask your insurer what bonuses you can accumulate. This can save you a significant amount on your annual bill.

Take advantage of bundle offers

Some insurers offer attractive discounts when you take out several contracts with them (car insurance, home insurance, etc.).

If you have other insurance policies in addition to your motorcycle, do not hesitate to group all your contracts with the same insurer. You will thus be able to benefit from a preferential rate.

Subscribe online

Finally, taking out your motorcycle insurance online can save you a few euros. Indeed, insurers often pass on the savings made thanks to the dematerialization of procedures.

So remember to compare the rates offered on insurers' websites, in addition to the quotes you might get by phone or in an agency.

With these different tips, you should be able to significantly reduce the cost of your motorcycle insurance without compromising your coverage. Don't hesitate to compare offers and negotiate with your insurer to get the best possible rate. Happy driving!