Couple on motorcycle riding away down a highway

Motorcycle Insurance Discounts In NJ - Plymouth Rock

Do you know what’s almost as exciting as riding your bike? Getting a substantial discount on your insurance coverage! Well, not really, but who doesn’t love a discount? Getting a great deal has universal appeal and saving money on your motorcycle insurance rate is certainly something you should take advantage of when you’re in the process of comparing prices. There’s no need to sacrifice important coverage when you have access to motorcycle insurance discounts in New Jersey.

The Average Motorcycle Insurance Rates in NJ

According to Lending Tree, Inc., the average motorcycle insurance rate NJ riders pay is $48 per month, or $573 annually. This average is based on a study that analyzed standard motorcycle insurance in 62 municipalities in New Jersey. Keep in mind that your age and driving record are major risk factors that all insurance carriers will consider before providing a quote, so there can be wide variation at an individual level. Because NJ is a densely populated state with higher than average accident frequency, the annual average motorcycle insurance rate of $573 is about 10% higher than the national average annual rate of $519.

Available Motorcycle Insurance Discounts

When you consider purchase price, maintenance, fuel and insurance costs, riding can be an expensive hobby. Throw in a few accessories, and it’s easy to see how quickly you could spend a significant amount of money. When you have the opportunity to grab a discount – go for it! Typical motorcycle insurance discounts across the market can range from 5% to 30% in savings, and can sometimes be combined for considerable savings. The following is a list of common motorcycle insurance discounts that you may want to look for, depending on the eligibility criteria:

  • Transfer Discount
  • Loyalty Discount
  • Safe Rider Discount
  • Preferred Operator Discount
  • Multiple Bike Discount
  • Homeowner Discount
  • Military Discount
  • Bike Association Discount
  • Experienced Rider Discount
  • Safety Course Discount
  • Safety Instructor Discount
  • Safety Features Discount

Be sure to check with your current carrier to make certain that you are getting all those that apply to you. Or, if you’re shopping around for motorcycle insurance, explore available discounts with other insurance carriers. Here are a couple of examples of how you might utilize motorcycle insurance discounts in NJ. If you’re a homeowner with a safe riding record, you’re most likely going to pay less than, say, a renter with a riding record peppered with violations, who is attempting to insure a similar bike.

It’s not uncommon for insurers to apply a homeowner discount or to offer a discount to bundle home insurance with other insurance products. Also, if you’re a member of a bike association, you’re likely to be offered a discount with some carriers when you show proof of your membership. You may even qualify for multiple discounts, so it’s in your best interest to do your homework and get the best price for the coverage you need.

The Best Places to Look for Discounts

The best places to seek out motorcycle insurance discounts are directly with your agent, insurance carrier or bike association. There are several associations such as Harley Owners Group (HOG), American Legion Riders (ALR), Gold Wing Road Riders Association (GWRRA), Blue Knights and Red Knights, just to name a few. Generally speaking, associations have an incentive to partner with insurers for discounts in order to entice riders to join. Check with your insurance provider and association to explore discounts that may be available to you.

Final Thoughts on Motorcycle Insurance Discounts

If you’re in the market for quality motorcycle insurance with multiple opportunities for discounted rates, consider Plymouth Rock Assurance. Plymouth Rock rewards experienced riders with an association membership, who are interested in transferring coverage. In addition to substantial discounts, Plymouth Rock has many years of experience advising riders and motorists in New Jersey. Make the switch today and save!

Call 855-993-4470 or find a local agent from Plymouth Rock Assurance to see how much you can save on motorcycle insurance in New Jersey, and if you need additional information you can visit our Contact Us page.

Read our important disclaimer.

Plymouth Rock Assurance® and Plymouth Rock® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states. Insurance in New Jersey is offered by Plymouth Rock Management Company of New Jersey on behalf of High Point Property and Casualty Insurance Company, Palisades Insurance Company, Palisades Safety and Insurance Association, Rider Insurance Company and their affiliates. Each company is a separate legal entity that is financially responsible only for its own insurance products. Actual coverage is subject to the language of the policies as issued by each separate company.