"D - Unnecessary risks might include riding at excessive speeds or not performing preventive maintenance tasks on your bike. Have you checked your tires' air pressure or tread depth lately? Don't drink and ride definitely applies here also.
A - Evaluate your financial situation and prepare to take some of the risk yourself by maximizing the deductible on your motorcycle insurance policy. This alone could save you considerable money.
R - Reduce your exposure to motorcycling's risks by riding on roads with a good surface, riding at reasonable speeds, and always stay off your motorcycle when you've had alcohol. Better yet don't drink at all!
E - Educate yourself by taking a MSF riders course and practice your motorcycle riding skills often. If possible ride to work to keep your skills sharp.
Once you've evaluated your level of risk and took steps to manage that risk, you need to get the motorcycle insurance policy that best fits your needs"
