My insurance premium is $428. year and was the best I could find for the coverage I wanted. This covers the bike and 3500. worth of add ons. The main reason mine is high is that I pay for 100,000/300,00 UM stacked coverage which is over half of the premium alone. I have the same UM stacked coverage on my car which in effect, doubles the coverage for both.
On a motorcycle the UM coverage is extremely important. Odds are if you are hurt badly in an accident, it will probably be the fault of a car error. They may not have enough coverage to take care of you - or they might not have any. Your UM could cover your injuries, loss of income if out of work, and future related medical treatment and income losses.
Something to think about.
