Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

If I am buying car insurance and already have motorcycle insurance, will I be eligible for a prior insurance discount?

I've been riding my motorcycle exclusively for about 8 months and just recently bought car. The rates I'm being quoted for my auto policy are all pretty high and I've been told that they will be lower after I've been insured for 6 months. Can I get the discount for prior insurance if I've been insured under a motorcycle policy for longer than 6 months?

Aug 13, 2024 Peoria, AZ

Answer
Author profile picture

The Zebra

The nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison …

With the majority of companies, a prior insurance discount for auto coverage is based on being previously insured under an auto policy. Unfortunately, most companies won't consider an existing motorcycle policy to be sufficient to qualify for a continuous insurance discount. It may be possible that the company insuring your motorcycle would honor the discount if you choose to take out an auto policy with them, but there is no guarantee of that happening. Bundling may still be your best bet since most companies offer a discount for having multiple policies with the same provider. As always when shopping for any type of policy, comparing rates with as many companies as possible is the only way to find the best policy.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Root isn’t quoting in my state anymore. Why?

You’re not the only one confused by this. Root has pulled back in some states before, and when they stop quoting, it usually means they’re pausing new business while they adjust pricing or strategy. It has nothing to do with you, it’s just a business move on their end.As for renters insurance, comp…

Why didn't my insurance company give me a defensive driving discount for completing the course?

Discounts vary by company, state, and situation so there is no guarantee that a carrier will provide a discount just from completing the course. Because taking a defensive driving course costs money, you always want to check with your company to see if they offer a discount before wasting your mone…
Aug 13, 2024 Waterloo, IA

Does AAA cancel policies a lot?

It isn't that AAA is stricter than other insurers, but clear billing communication with them is especially important.Here’s why: AAA home policies are sold through local AAA clubs, and each club works with an underwriting partner or carrier at the state level. That means how billing is handled can …
Mar 5, 2026 Cary, NC

What discounts does Progressive offer?

Most insurers—especially larger ones like Progressive—offer a variety of discounts to help drivers save money. While some discounts may seem small individually, stacking them can lead to significant savings on your overall bill. Progressive, for example, provides discounts for good students, homeow…
Oct 2, 2025 Tacoma, WA