If you are looking for ways to reduce your premium, I urge you not to do this. All you are doing when reducing your premium is reducing your coverage and protection. You may be eligible for discounts, however, if you are a member of any of the following: - American Motorcycle Association - BMW Motorcycle Owners of America - Gold Wing Road Riders Association - Gold Wing Touring Association - Harley Owners Group - Motorcycle Safety Foundation - Venture Touring Society Insurance companies will likely give you a discount if you are a graduate of a training course. I would highly recommend Rider Education. Please check out their website at www.renj.com. You will not regret it. Motorcycle insurance policies seem confusing to many motorcyclists. The biggest thing you can do to help protect your rights is to be aware. Maximize your coverage, especially your uninsured /underinsurance coverage.