How Safe Riding Habits Can Impact Your Motorcycle Insurance Rates
Motorcycling offers a thrilling sense of freedom and adventure. However, it also comes with inherent risks, as motorcyclists are more vulnerable to accidents than other drivers. By prioritizing safety and responsible riding, you can protect yourself and enjoy potential savings on your motorcycle insurance.
Defensive Riding: Your Key to Safety
Defensive riding can help protect motorcyclists from potential hazards on the road. By being proactive and aware of their surroundings, riders can reduce the risk of accidents and demonstrate their commitment to safety.
Always remember these tips when driving:
Stay Visible: Make sure you are visible to other drivers by wearing bright-coloured clothing and using reflective gear, especially during low-light conditions.
Maintain Safe Following Distance: Keep a safe distance between your motorcycle and the vehicle in front of you. This will give you enough time to react to sudden stops or changes in traffic flow.
Blind Spots: Motorcycles can easily disappear in a driver's blind spot. Always check your mirrors frequently and perform shoulder checks before changing lanes.
Be Mindful of Road Conditions: Watch out for hazardous road conditions, such as potholes, loose gravel, or wet surfaces. Adjust your riding accordingly to avoid potential accidents.
Investing in Safety Courses
Enrolling in a certified safety course is not only a valuable learning experience but it may help you get into the standard insurance market sooner as opposed to having to go with the facility market until you’re more experienced.
The standard marketplace is where private insurance companies offer various policies to individuals based on risk profiles and needs. Alternatively, the facility market is designed to provide insurance coverage for high-risk or challenging situations that the standard market may not accept.
For a list of government-approved motorcycle safety courses near you, visit the Ministry of Transportation’s website.
Potential Discounts for Responsible Riders
Some insurance companies offer the following discounts as incentives:
Safe Rider Discounts: Insurers may reward riders who maintain a clean riding record and have not been involved in any accident for a specified period.
Multi-Policy Discounts: Bundling your motorcycle insurance with other policies like home or auto insurance may qualify you for additional savings.
Safety should always be a top priority. By adopting specific riding techniques, enrolling in safety courses, and demonstrating responsible behaviour on the road, you not only minimize your risks but also have the potential to save money. So, embrace safe riding habits and enjoy the open road with peace of mind!
Our experienced brokers can answer all your insurance questions and get you the necessary coverage. Contact us at 613-342-1405 or info@burgessinsurance.ca today.