Staying Safe on Tennessee Roads: Motorcycle Safety Trends and Insurance Savings

John M. Dabbs

As summer takes hold in Tennessee, the call of the open road grows louder, beckoning motorcycle enthusiasts statewide. There's nothing quite like the liberating sensation of riding, whether your destination is the untouched paths off the map or simply an easier route around the city. Yet, this freedom demands higher responsibility due to the inherent risks involved.

As per the National Highway Traffic Safety Administration (NHTSA), in 2021, motorcyclists were 24 times more likely to die and four times more likely to be injured in accidents than car occupants. Motorcyclists constituted 14% of all traffic fatalities that year. Therefore, it is imperative for bikers to stay updated with safety measures, both to protect themselves and reduce their motorcycle insurance costs. The MarketWatch Guides Team has vetted the top motorcycle insurance companies, and in this article, we'll mention some of our favorites while providing you with summer safety tips. Here is a link to their full article.

One crucial way to bolster your safety is taking a motorcycle safety course, which can qualify you for insurance discounts. Another is by abiding by state laws requiring the use of helmets and daytime running lights to avoid accidents and traffic tickets.

We will break down this information into five main sections:

  1. Why is Safety Important?
  2. 8 Summer Motorcycle Safety Tips.
  3. Can Being a Safe Rider Save You Money?
  4. What Do Motorcycle Safety Laws Say?
  5. Choosing the Right Insurance Company and Coverage.

Why is Safety Important?

In 2021 alone, a significant percentage of traffic fatalities involved motorcyclists, highlighting the risks involved. The aftermath of an accident is invariably more severe for a biker than for a car driver, turning what would be a minor mishap into a serious incident. You can mitigate these risks and continue your journey by adhering to safe riding habits.

8 Summer Motorcycle Safety Tips

The tips we outline below will help you stay safe during your summer rides and offer potential ways to save on your motorcycle insurance. These tips range from taking a safety course and choosing the right helmet to use safety gear, managing the heat, performing regular bike maintenance, joining a motorcycle organization, considering anti-lock brakes, and obeying speed limits.

Can Being a Safe Rider Save You Money?

Practicing safe riding habits can reduce your risk of accidents, thus lowering your insurance costs. Moreover, using the right safety gear can prevent or lessen injuries if an accident occurs, contributing to insurance savings. Also, obeying state laws on helmets, eye protection, and daytime running lights can prevent traffic tickets, keeping your insurance rates from rising.

What Do Motorcycle Safety Laws Say?

Motorcycle safety laws vary by state, and riders should know their local laws and those in the states they plan to visit. Some states require a motorcycle endorsement on your driver’s license, while others mandate the use of helmets and eye protection.

Pick the Right Insurance Company and Coverage

The cost of motorcycle insurance can vary greatly depending on your bike type and the provider you choose. When picking an insurance company, ensure they provide the right coverage for your needs.

The Bottom Line

Practicing safe habits is the most effective way to lower your motorcycle insurance costs and keep enjoying your passion for riding. Consider joining a motorcycle organization and getting ABS for your bike. You can minimize injuries and ensure many more years of enjoyable riding by staying safe.

Finally, don't forget to keep your insurance provider updated with any changes to your motorcycle or safety measures. This could further reduce your premium and make sure you're fully covered.

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John is An outdoor enthusiast passionate about travel and adventure, a consultant, author, and journalist.

Bristol, TN

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