In the Motorcycle Rights Community we hear a lot about lawmakers wanting to make Motorcycle Safety Courses required for M-Class licensure. Listening to the arguments against these classes being mandatory, you’ll hear things like:
“They can’t be made mandatory because the State doesn’t back them up with rider-friendly insurance laws or; why should somebody who takes the class get an insurance premium discount when they can barely ride over someone who’s been riding for years but didn’t take the class?”
It’s hard to argue with that, huh? Cause all that’s true. When I finished the Motorcycle Safety Course, I could hardly ride, and for damn sure shouldn’t have been in heavy traffic. What about those insurance companies? Nope, they don’t have to tell you that you don’t have any medical coverage on your motorcycle policy, at least not in the great State of Pennsylvania.
So that’s it, right? WRONG!!!
Nobody expects someone to come out of a two-class Motorcycle Safety Course and ride like an advanced motorcyclist. And, yeah, even in Pennsylvania, you can buy medical coverage on your motorcycle policy. You just have to ask. I have it.
Okay, so you’ve heard both sides, and your wondering, ‘What’s the point?’ The point is, just like everything else I’ve encountered in my lifetime, you either pay now or you pay later. But if you pay later, you pay BIG! How’s that? Well, it’s like this; if you pay a little with a few hours of your time, and take the safety course, you MAY learn something, but you WILL receive a discount on your insurance. If, you don’t take the class, you WILL learn nothing and you WILL pay more for motorcycle insurance, forever.
Regardless of whether you believe Motorcycle Safety Courses should be made mandatory or not, their existence and their relationship to insurance premiums will likely never change, however; there’s always a way to land on the cheaper end of the bill. Pay early!