From state-to-state motorcycle laws and coverage policies vary, however one thing is for sure no matter where you ride; having insurance on your bike is important. Trying to save money on insurance is always good for your wallet, but make sure you're cutting the right corners.

 

Below are some tips from Money Talk News on how to save on motorcycle insurance and make your policy work for you. Be sure to talk with an agent about what their company has to offer motorcyclists.

 

Join a motorcycle club. Some motorcycle clubs members get discounts. Beyond the automatic payback you can also swap notes with other motorcyclists and get recommendations.

 

Infrequent rider discount. Only ride on the exceptionally warm weekend? See if the company has discounts for part-time riders.

 

Have liability. This covers damages that you may cause to others in the event of an accident. It's also good to have uninsured or underinsured motorist protection coverage. If you're involved in an accident where the negligent driver does not have insurance or enough to cover your injury costs, this will cover you.

 

Choose the right bike. Some bikes may cost more than others to insure. Before you go and buy a new bike, make sure to talk with your agent about whether or not it will be covered under your already existing policy.

 

Ask! Ask your agent what discounts they offer or you are eligible for. 

 

Make sure your customs are covered. You spent all that time and money into making your bike into a custom-made dream, so make sure all the extras are covered under your policy.

 

(7 Tips to Save on Motorcycle Insurance, Stacy Johnson, Money Talks News, http://www.moneytalksnews.com/2012/06/27/7-tips-to-save-on-motorcycle-insurance/).