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Everything you need to know about the Safeco claims process, including step-by-step guidance on what to do when the unexpected happens.
Motorcycle Discounts and Savings
Save Money at Every Turn
Safeco offers safe riders significant savings through a variety of discounts and benefits. Take care of yourself and your bike. Talk with your local Safeco agent about how you can save up to 40 percent on your motorcycle insurance with potential discounts.
Be a Safe Rider. Get a Discount.
Take a Motorcycle Safety Course
Successfully complete a Motorcycle Safety Foundation or other approved motorcycle safety course and we’ll give you a discount that lasts for three years.
Join a Riding Club or Group
Be an active member in one of 24 approved motorcycle riding clubs and association groups and get a discount.
Ride More
Pay lower rates for your years of riding experience. The longer you’ve been riding, the lower your motorcycle insurance bill. Discounts are available for one to two years, three years, four years and more than four years of riding experience. Keep riding.
Garage Your Bike
Keep your motorcycle locked in a secured structure overnight. If you care about your ride enough to give it a safe place to stay, we’ll give you a discount.
Own Your Own Home
Save up to 20% when you own and primarily reside in a single-family home, townhouse, condominium or mobile home.
More Ways to Save
Talk to your local Safeco agent about more ways to save on your motorcycle insurance. It’s possible to lower your rate if you:
- Insure more than one bike
- Also insure your car, home or boat with Safeco
- Maintain continuous coverage
- Are a homeowner
- Pay your bill in full
- Make a claim-free renewal
- Have a theft recovery device or anti-lock brakes
- Have multiple years of riding experience
How to Lower Your Motorcycle Insurance Costs
Spending less money is much easier than perfecting your tight turns at high speeds on a gravel road.
Increase Your Deductible
You can lower your motorcycle insurance premium by shifting part of the loss payment to yourself. For example, if you had a $500 deductible, you would need to pay the first $500 of a covered loss. A higher deductible will generally lower your premium, but increase the amount you must pay yourself if a loss occurs.
Pay Your Bill in Full
Pay your bill off in full when you start or renew a policy instead of paying in monthly installments.
Talk to your local Safeco agent about other discounts and ways to save that could help reduce how much you pay for your motorcycle insurance.