By Dan Burghardt, Owner of Dan Burghardt Insurance Agency
Riding a motorcycle comes with a sense of freedom that’s hard to beat—but that freedom comes with responsibility, especially when it comes to safety and insurance. After 40 years in the insurance business, I’ve seen firsthand how a few smart habits on the road can lead to fewer claims, safer rides, and lower insurance premiums.
Before we dive in, keep this in mind: For a quick quote, you can contact our quote department directly at (504) 441-RATE (7283) or complete the Online Quote Request form and you will be contacted ASAP.
Whether you’re riding through the streets of New Orleans, cruising around Covington, or taking the long route through Baton Rouge or Lafayette, your safety decisions affect both your well-being and your wallet. Here’s how staying sharp on the road can also help trim down your motorcycle insurance rate.
1. Take a Certified Motorcycle Safety Course
Insurance companies take safety seriously—and nothing says “I take this seriously” like enrolling in an approved rider safety course. Louisiana and Mississippi both recognize accredited programs that teach advanced skills, defensive riding techniques, and accident avoidance. Completing one can often make you eligible for an insurance discount.
Even experienced riders benefit. Courses help knock the rust off your instincts and may reveal habits you didn’t realize were risky. Bonus? Carriers love it when you prove you’re proactive about reducing risk.
2. Wear the Right Gear—Even When It’s Hot
Yes, the Gulf Coast gets hot. But shorts, sandals, and a tank top aren’t doing you—or your insurance rate—any favors. Full riding gear not only protects you in a crash but shows that you’re serious about safety. A DOT-approved helmet, armored jacket, gloves, and riding boots go a long way in reducing injury risk, which in turn lowers the odds of expensive claims.
Insurance companies are in the business of measuring risk, and consistently using proper gear sends the message that you’re not looking to gamble with yours.
3. Ride a Bike That Matches Your Skill Level
It might be tempting to go full throttle with a high-powered sportbike, but if you’re a newer rider, starting smaller is usually safer—and easier on your insurance. High-performance bikes come with high-risk ratings and high premiums.
Choose a motorcycle that fits your experience, riding style, and intended use. The safer and more commuter-friendly the bike, the better your rate. Customizations like performance exhausts or aftermarket parts can also increase costs, so always check before modifying.
Need help finding coverage for a specific make or model? For a quick quote, you can contact our quote department directly at (504) 441-RATE (7283) or complete the Online Quote Request form and you will be contacted ASAP.
4. Stay Visible and Predictable
One of the biggest threats to motorcycle riders is being invisible to other drivers. That’s not just a metaphor—it’s a real problem. Using your headlights during the day, wearing reflective gear, and positioning yourself in traffic where drivers can see you can reduce the chances of being involved in a collision.
Ride defensively and predictably. Sudden lane changes, weaving through traffic, or speeding through intersections might save a few seconds, but it could cost a lot more in the long run—especially if an accident results in a claim that spikes your premiums.
5. Maintain Your Bike Like You Maintain Your Car
Regular maintenance isn’t just about keeping your motorcycle running smoothly—it’s also a safety issue. Tires with good tread, working brakes, functional lights, and clean mirrors are essential for safe riding. Neglecting them can lead to breakdowns or even accidents, which directly impact your driving record and insurance history.
And yes, insurers notice service records. A well-maintained bike with a clean history looks a lot better on paper than one that’s been neglected and wrecked more than once.
6. Store It Safely When Not in Use
Insurance isn’t just about what happens while you’re riding—it also covers what can happen when the bike’s parked. Keeping your motorcycle in a locked garage or secured space, especially in cities like New Orleans or Baton Rouge, can significantly lower theft risk.
Install a basic security system or GPS tracker if possible. These small steps can lead to meaningful discounts and greater peace of mind.
7. Keep a Clean Driving Record
Here’s the golden rule of insurance: the cleaner the driving record, the better the rate. Tickets, DUIs, and at-fault accidents will follow you around like a bad crawfish boil. Ride responsibly, follow the speed limits, and avoid reckless behavior—especially in high-traffic areas like Metairie, Slidell, or Shreveport.
Even minor infractions can impact your policy, and those costs add up over time.
Final Thoughts: Smart Riding Pays Off
Motorcycle insurance doesn’t have to be complicated or costly. By making safety a priority and adopting responsible habits, you can reduce your risk—and the amount you pay for coverage. From Slidell to Lafayette, and all across Louisiana and Mississippi, smart riders are saving money just by staying safe.
Ready to check your rate? For a quick quote, you can contact our quote department directly at (504) 441-RATE (7283) or complete the Online Quote Request form and you will be contacted ASAP.
Dan Burghardt Insurance Agency has proudly served riders and drivers across Louisiana and Mississippi for over 40 years. Licensed and active in cities including New Orleans, Metairie, Kenner, Gretna, St. Bernard, Slidell, Mandeville, Covington, Baton Rouge, Hammond, Houma, Thibodeaux, LaPlace, Lake Charles, Bossier City, Central, Lafayette, Monroe, Shreveport, and Alexandria.
