Hey hey hey now, let's not blame the insurance companies! For Ohio motorcycle ERC would classify if it is a approved safety course... as far as I know ERC is approved.... Now in terms of insurance let me preface this by saying I am NOT a licensed agent, nor do I have anything to do with rating, claims etc. I work in business and "experience" on the quoting applications (how, why, what it looks like). Any advice I give you here you MUST review with a licensed agent. Take a look at a few things when you're shopping for your insurance, particularly the vehicle usage, mileage if they ask, deductibles, and limits. Some companies *cough*Geico*cough* default everything to legal state minimum. Personally I'm carrying 100/300 BIPD and uninsured motorist, 500 comp and coll deductibles (because it was only 5-10$ more than $1k deductible). If you have health insurance you don't really need Medical Payments. Again, review it with a licensed agent.... but bottom line.... if ERC is approved it's good for a discount for Progressive at least.