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For young drivers facing very high insurance premiums for covering their motorcycles, there is the option to put motorcycle insurance under their parent’s name. But is this way worth it? Are there any disadvantages to doing this? This article tells you all you need to know about motorcycle insurance under your father or mother’s name.

Why Put Motorcycle Insurance Under the Name of the Parents?

This is actually a common tactic that is used to help younger drivers afford coverage for their motorcycles. Generally speaking, the coverage is bundled with the parent, which results in a lower rate that needs to be paid. Certain conditions must be met before this type of bundling can occur.

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Bundling is a very common and popular way to get discounts from insurers. Click here to learn more about the insurance companies that offer additional discounts for bundling auto and motorcycle coverage.

Each insurance company has its own rules and regulations for bundling different policies, especially if trying to combine new motorcycle insurance with current automotive coverage. However, if the parents already have motorcycle coverage, adding their child shouldn’t be too much of an issue.

The insurance company will gather all the information and then provide a rate that combines the parents with the child taking into account their motorcycle coverage. The insurance company will then provide verification and a card for the child that shows they are covered.

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Father and Son together

Pros and Cons of Putting Insurance under a Parent’s Name:

There are several benefits and disadvantages when it comes to being on your parent’s insurance policy.

Lower & Easier Payments: Not only will your premiums be lower, but the insurance company’s payment plan will also make it easy to pay. This means that all the payments will be combined, making it simple for everyone.

Savings for Parents: It’s possible that adding your insurance with your parent’s plan may actually save them money if they were planning on helping to pay for your coverage. Talk to them about adding your motorcycle insurance and have them discuss it with their agent.

Added Discounts: Because you receive the benefits of lower payments, your plan will also qualify for the discounts your parents enjoy. You may pay an even lower if they qualify for a homeowner’s discount, good credit, and the like.

Of course, the biggest drawback to adding your motorcycle insurance is that it will raise your parents’ overall premiums even if you pay your share. However, the bump may be just a small one for them, which will get lower if you build up a good driving record.

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Buying Your Own Insurance:

At some point, you will no longer be eligible to be on your parent’s insurance policy, so when the time gets close, you will want to search for one of your own. There are good reasons why you should eventually get your own policy;

  • Choose Your Insurer
  • Customize Your Coverage
  • Earn Discounts
  • Get Better Payment Options
  • Becoming Independent

Getting motorcycle insurance under parents’ names is an excellent way to save on premiums for young drivers just starting. Over time, you may find getting your insurance will be the better choice as you establish your driving record.

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Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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