What's the deal with Insurance and riding club membership?

[Allen42]

I just thought of something... when I was shopping for motorcyce insurance, all of them asked me if was a member of a motorcycle club. I said no (honestly), but am wondering now... would that hurt you or help you?

I have two trains of thought:

Non member: ride less? Less risk?

Member: Ride more? more experience? Ride in a group... more safety?

[Peter Aawen]

Did you ask any of them??

[Allen42]

Did you ask any of them??

If I had, I wouldn't need to ask here. Frankly, it didn't occur to me at the time. I was in a hurry because the dealer wouldn't let me take the trike without insurance.

[Bfromla]

“Discount!” (One particular brand)

[LALoner]

Insurance is weird. I just got a "middle of the road" policy for my soon-to-be 24 F3-S. I checked with a few agents before letting "Flo" talk me into Progressive. I think I got a good rate at +/- $300 per year.

The policies went from the basic requirement to more than I believe is needed. That is why I went for the middle.

[Allen42]

That seems like a good deal. My 2019 RTL is approx $550 for the year through progressive. (Dallas area though) I thought that sounded great compared to my auto policy (Farmers), so didn't complain a bit.

[slhanks004]

I don't think I've ever seen that question when getting an insurance quote.