Being an Insurance Agent in San Antonio TX, I specialize in San Antonio motorcycle insurance. For the most part customers always ask me how to save money on there motorcycle insurance in San Antonio and get the most coverage available. I emphasize on three important ways to do this. So here it is the Top 3 ways to save on motorcycle insurance:
Number three! consider raising your deductible going from $250 to $500 can save you 30% on your insurance. If you go to $1000 you can save as much as 40% on your physical damage coverages. Just remember that if you decide to do this you need to make sure that you have the money available if you ever do have a loss that way you can get your bike fixed.
Number two! Tell the agent how you plan to use the bike. If you do not use your bike all year long or use it very minimally, make sure to let your insurance agent know. This can potentially save you hundreds of dollars. For example if you put the vehicle away in the winter time, you may be able to reduce the amount of coverage you have your bike and save yourself some money. Another example is if you only drive the bike minimally you can save yourself quite a bit of money for not taking it out a lot.
Number one! Last but not least, the most important way to save on motorcycle insurance is to shop through a Independent Insurance Agent that specializes in motorcycle insurance. Not only this make sure you talk to an agent that is in your specific area. For example someone who deals with motorcycle insurance in San Antonio TX. An Independent agent can broker through multiple insurance companies and find you the best deal in your area. Plus if you ever have questions you will have an expert that you can talk too, not just an 800# or an internet website.
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