Does a Motorcycle Safety Course Lower Insurance?

Motorcycle ownership brings freedom and adventure, along with the responsibility of securing adequate insurance. Many riders wonder if taking a motorcycle safety course can influence their insurance premiums. This inquiry is common for those looking to manage costs while enhancing riding skills, and the relationship between safety courses and insurance rates is a topic of interest for both new and experienced riders.

Impact on Insurance Premiums

Completing a motorcycle safety course leads to a reduction in insurance premiums. Insurers view formally trained riders as lower-risk individuals, as these courses equip participants with improved riding techniques and heightened awareness of road hazards. Many providers offer discounts ranging from 5% to 20% off certain coverages, with potential savings that could even offset the course cost.

The exact discount percentage varies based on the insurance provider, state, and rider’s driving record. For instance, insurers like GEICO and Utica National offer around a 10% discount for completing a Motorcycle Safety Foundation (MSF) or Military Safety Course. Progressive and Nationwide also provide discounts for approved safety course completion.

Qualifying Courses and Documentation

For a motorcycle safety course to qualify for an insurance discount, it must be from a nationally recognized program or a state-approved institution. The Motorcycle Safety Foundation (MSF) Basic RiderCourse is widely accepted. Other state-specific or private certified training schools may also be recognized. Confirm with your insurance provider beforehand if a particular course qualifies for a discount.

Upon successful completion of a qualifying course, riders receive official documentation, such as a completion certificate or MSF card. This document serves as proof of training and is essential for securing the insurance discount. The certificate should clearly state the student’s name, the course completed, and the date of completion. Keep this original document accessible, as insurers will require it for verification.

Applying the Insurance Discount

Once a qualifying motorcycle safety course is completed and documentation obtained, apply the discount to your insurance policy. This process involves contacting your current or prospective insurance provider directly. You can reach out via phone, their online portal, or by visiting a local agent. The insurer will guide you on their specific submission requirements.

You will need to provide a copy of your course completion certificate. This can be done by emailing a scanned copy, uploading it through an online system, or mailing a physical copy. After submitting proof, confirm with the insurance provider that the discount has been successfully applied. Reviewing your updated policy documents will ensure the premium reduction is reflected accurately.