Most motorcycle riders know that factors like age, driving history and the type of bike they own can influence their insurance rates. However, your riding habits also play a significant role in determining how much you pay for coverage. From how often you ride to how you handle your bike on the road, insurers use these details to assess risk and set premiums.

Riding Frequency: The More You Ride, the More You Pay

One of the first questions an insurer may ask is how often you ride. Frequent riders, especially those who use their motorcycles as a primary mode of transportation, are exposed to more risks simply because they spend more time on the road. Whether it’s the daily commute or frequent road trips, the more you ride, the greater the likelihood of accidents, and insurance companies consider this. Conversely, if you ride only occasionally—on weekends or for special events—you could qualify for lower rates due to reduced exposure to potential hazards.

Riding Style: Risky Behaviors Lead to Higher Premiums

Your riding style is another critical factor. Aggressive riding behaviors like speeding, weaving through traffic or performing stunts can increase your chances of an accident, leading to higher premiums. But a rider who follows traffic rules, maintains safe speeds and avoids high-risk situations will be seen as less of a liability by insurers. Some companies may even offer discounts for riders who take safety courses or belong to motorcycle associations promoting safe riding.

Save Money With Safe and Sensible Riding

Your motorcycle insurance rates aren’t just determined by the bike you ride or your driving history—your riding habits matter, too. By riding safely and limiting how often you’re on the road, you can potentially lower your insurance premiums. Contact AAAA Insurance to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.