 Motorcycle Insurance
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Joined: Jan 2005
Posts: 5,590
Check Pants
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OP
Check Pants
Joined: Jan 2005
Posts: 5,590 |
So much for "assuming", I learned this past week whilst purchasing a policy that Montana doesn't require motorbike owners to carry insurance.. http://www.themotorcyclelawyer.com/MontanaMotorcycleLaws.htmlHelmets optional, until 10-12 years ago the speed limit was defined as "reasonable & prudent". Fortunately, I have always been very reasonable & prudent  jh
"It's not what I say that's important, it's what you hear" Red Auerbach
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Re: Motorcycle Insurance
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Joined: May 2010
Posts: 5,720
Check Pants
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Check Pants
Joined: May 2010
Posts: 5,720 |
Washington State does not require MC insurance either, but Oregon does, don't ask me how I know.
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Re: Motorcycle Insurance
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Joined: Jan 2005
Posts: 18,825
"Lighten up, Francis."
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"Lighten up, Francis."
Joined: Jan 2005
Posts: 18,825 |
Required or not, when one rides behind Freedom you tend to want to upgrade your coverage. 
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Re: Motorcycle Insurance
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Joined: Sep 2010
Posts: 8,393 Likes: 1
Second Wind
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Second Wind
Joined: Sep 2010
Posts: 8,393 Likes: 1 |
In Texas insurance is required. The way people drive around here you would be stupid to not have insurance that covers yourself. I got liability, but have uninsured and underinsured driver, as well as medical for driver and passenger, on all my vehicles.
I have no faith in human perfectability. I think that human exertion will have no appreciable effect upon humanity. Man is now only more active - not more happy - nor more wise, than he was 6000 years ago.
Edgar Allan Poe
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Re: Motorcycle Insurance
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Joined: Aug 2005
Posts: 2,726
Loquacious
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Loquacious
Joined: Aug 2005
Posts: 2,726 |
Don't scrimp on the UM (uninsured or underinsured motorist coverage). Buy all you can get. In the event you are in a motorcycle accident, the odds are it will be the other guys fault and they may only have minimal or no insurance. You might be hurt really bad, have loss of income, etc. I pay even more to stack my bike and car UM coverags which gives you double coverage for both vehicles. To stack coverages, you have to carry the same limits on each stacked policy.
Bob
2005 America, 904cc - sold. 2014 Trophy SE.
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Re: Motorcycle Insurance
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Joined: Feb 2007
Posts: 23,133 Likes: 52
Fe Butt
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Fe Butt
Joined: Feb 2007
Posts: 23,133 Likes: 52 |
I pay $86 a year for both bikes I have on the road at the moment.
I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
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Re: Motorcycle Insurance
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Joined: Mar 2009
Posts: 12,964
Stickman Yogi
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Stickman Yogi
Joined: Mar 2009
Posts: 12,964 |
Here it's $112/mo for one bike. That's bare bones coverage with a 40% safe driver's discount!! 
Live to love, love to live.
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Re: Motorcycle Insurance
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Joined: May 2011
Posts: 109
Adjunct
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Adjunct
Joined: May 2011
Posts: 109 |
Louisiana is said to have the highest auto insurance rates in the country. I pay $542 for FULL COVERAGE on TWO motorcycles. That figures out to $22.58 per month per motorcycle; a far cry from Keith's $112.
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Re: Motorcycle Insurance
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Joined: Jan 2005
Posts: 1,335
Learned Hand
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Learned Hand
Joined: Jan 2005
Posts: 1,335 |
With just my 02 America it cost about $180.00 per year. When I got the Tiger in 08 AllState, GEICO and Progressive all quoted me over $1000.00 per year for both bikes. I ended up getting insurance through an independent insurance broker with GMAC insurance for about $250.00 a year both bikes.
Also Florida requires insurance. Without it you cannot register your vehicle. However, what a lot of people do is get the cheapest insurance they can, make one payment, register the vehicle, and then drop the insurance.
Tom
Those who would give up essential liberty to purchase a little temporary safety deserve neither liberty nor safety.
Benjamin Franklin, US author, diplomat, inventor, physicist, politician, & printer (1706 - 1790)
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Re: Motorcycle Insurance
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Joined: Feb 2010
Posts: 237
Adjunct
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Adjunct
Joined: Feb 2010
Posts: 237 |
as soon as it drops .. DMV cancels the tag .
Florida only requires Ins ....if the machine isnt paid for or your a beginner ..or you want to ride w/o a helmet !
I had Ins on my speedy because I wanted to .. Not that it helped much ..
07 SPEEDMASTER ..SLASHCUT BUBS..
NOLOGY COILS/WIRES ..PHANTOM BLACK ..CHROME COVERS...K&N PODS..
BEAUTIFULL WHEN SHE RUNS RIGHT..SHE WAS ..
.. I LIKE HER>> ALOT ~~
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Re: Motorcycle Insurance
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Joined: Jan 2005
Posts: 18,825
"Lighten up, Francis."
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"Lighten up, Francis."
Joined: Jan 2005
Posts: 18,825 |
Florida requires insurance if they bike is not paid for? I'm pretty sure the BANK requires it. Not sure why the state would care.
Barebones GEICO Cycleguard for one motorcycle was about $120 a year. A couple years ago I bumped it up quite a bit and it was 160/year. I think with a second bike it's up another $80 per year.
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Re: Motorcycle Insurance
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Joined: Feb 2007
Posts: 23,133 Likes: 52
Fe Butt
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Fe Butt
Joined: Feb 2007
Posts: 23,133 Likes: 52 |
I pay $85 a year for both bikes combined.
I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
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Re: Motorcycle Insurance
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Joined: Jan 2005
Posts: 18,825
"Lighten up, Francis."
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"Lighten up, Francis."
Joined: Jan 2005
Posts: 18,825 |
Oh, you got a dollar discount since your last post? Cool!
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Re: Motorcycle Insurance
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Joined: Feb 2007
Posts: 23,133 Likes: 52
Fe Butt
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Fe Butt
Joined: Feb 2007
Posts: 23,133 Likes: 52 |
I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
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Re: Motorcycle Insurance
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Joined: Feb 2007
Posts: 23,133 Likes: 52
Fe Butt
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Fe Butt
Joined: Feb 2007
Posts: 23,133 Likes: 52 |
Just looked it was $82.37.
I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
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Re: Motorcycle Insurance
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Joined: Feb 2007
Posts: 23,133 Likes: 52
Fe Butt
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Fe Butt
Joined: Feb 2007
Posts: 23,133 Likes: 52 |
I forgot I posted to this thread before, very tired right now.
I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
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Re: Motorcycle Insurance
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Joined: Sep 2008
Posts: 242
Adjunct
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Adjunct
Joined: Sep 2008
Posts: 242 |
$163.00 per year for 51 year old, 07 America
$133.00 per yer for 41 year old 'wife' 250 honda
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Re: Motorcycle Insurance
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Joined: Jan 2005
Posts: 12,164 Likes: 1
Should be Riding
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Should be Riding
Joined: Jan 2005
Posts: 12,164 Likes: 1 |
In Oregon, if you get pulled over (bike or car) and you don't have proof of insurance (along with your registration), they will impound your vehicle. Same goes for if you don't have your endorsement.
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Re: Motorcycle Insurance
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Joined: Jan 2005
Posts: 11,122 Likes: 11
Should be Riding
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Should be Riding
Joined: Jan 2005
Posts: 11,122 Likes: 11 |
Quote:
Also Florida requires insurance. Without it you cannot register your vehicle. However, what a lot of people do is get the cheapest insurance they can, make one payment, register the vehicle, and then drop the insurance.
Tom
Proof of insurance is not required on motorcycles, mopeds, or disability access vehicles
Blowing gravel off rural roads
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Re: Motorcycle Insurance
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Joined: Sep 2010
Posts: 8,393 Likes: 1
Second Wind
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Second Wind
Joined: Sep 2010
Posts: 8,393 Likes: 1 |
Here in Texas they can check if you got insurance by running your plates. I was pulled over two weeks ago and the cop didn't ask to see my proof, he said I see you got progressive. I said as long as they got Flo in the commercials. He just looked at me a little off, and continued his rant. You know the whole you can't do this and that speech. He only gave me a warning. Any way get and keep your insurance.
I have no faith in human perfectability. I think that human exertion will have no appreciable effect upon humanity. Man is now only more active - not more happy - nor more wise, than he was 6000 years ago.
Edgar Allan Poe
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Re: Motorcycle Insurance
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Joined: Apr 2007
Posts: 3,053 Likes: 6
Loquacious
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Loquacious
Joined: Apr 2007
Posts: 3,053 Likes: 6 |
Quote:
Here it's $112/mo for one bike. That's bare bones coverage with a 40% safe driver's discount!!
Keith,
I went to TD online and am paying $672 a year for full coverage including collision (full replacement). Other than the deductable it wasn't too bad. If the collision and replacement value were removed, it was just over $500 a year.
I was paying $690 for basic coverage with my former insurer.
12 Rocket Roadster
03 Bonneville America
69 BSA Firebird Scrambler
73 Yamaha TX 750
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Re: Motorcycle Insurance
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Joined: May 2006
Posts: 3,971
Loquacious
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Loquacious
Joined: May 2006
Posts: 3,971 |
Quote:
Proof of insurance is not required on motorcycles, mopeds, or disability access vehicles
Without reading the entire statute, it appears FL allows vertical motorcycle license plates if one has a toll transponder.
Interesting way to do it. Sure beats a flat out "no" and wasting LEO's time chasing vertical plates while 7 tons of meth roles by in a U haul.
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Re: Motorcycle Insurance
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Joined: Sep 2010
Posts: 8,393 Likes: 1
Second Wind
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Second Wind
Joined: Sep 2010
Posts: 8,393 Likes: 1 |
There are debates about the wisdom of riding with out a helmet, or armored jackets. There is no debate about if you should ride a motorcycle on any public road without insurance. If you crash with or with out a helmet chances are you are hurt, and your bike along with someone else's property is damaged. Proper insurance will cover most of the cost depending on you deductible and your coverage.
I have no faith in human perfectability. I think that human exertion will have no appreciable effect upon humanity. Man is now only more active - not more happy - nor more wise, than he was 6000 years ago.
Edgar Allan Poe
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Re: Motorcycle Insurance
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Joined: Mar 2007
Posts: 594
Adjunct
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Adjunct
Joined: Mar 2007
Posts: 594 |
Quote:
I was pulled over two weeks ago and the cop didn't ask to see my proof, he said I see you got progressive.
I think the commercials are cute too, but might I recommend looking up who the CEO of Progressive is, and what organizations get all their (your) money?
SFC, US Army (Ret)
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Re: Motorcycle Insurance
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Joined: Jan 2006
Posts: 3,606 Likes: 2
Loquacious
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Loquacious
Joined: Jan 2006
Posts: 3,606 Likes: 2 |
Quote:
I think the commercials are cute too, but might I recommend looking up who the CEO of Progressive is, and what organizations get all their (your) money?
If you're referring to Peter Lewis...he hasn't been CEO of progressive for over a decade... check your facts
THE VOICE OF REASON
per: Stewart
AF&AM/Shriner/Scoutmaster
130/45 TBS 2shim SS Uni 18/42
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Re: Motorcycle Insurance
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Joined: Feb 2005
Posts: 20,096 Likes: 2
Fe Butt
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Fe Butt
Joined: Feb 2005
Posts: 20,096 Likes: 2 |
Soooooo, then there might be a REASON the company I see Flo always pushin' at me on my TV is named "Progressive Insurance" and not "Conservative Insurance" then, eh?! Well then, NOW I'm wonderin' if it WAS named "Conservative Insurance" if Flo would perhaps be replaced with, say, Glenn Beck instead???? (...I think I like Flo better!) 
Yep! Just like a good Single Malt Scotch, you might call me "an acquired taste" TOO.(among the many OTHER things you may care to call me, of course)
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Re: Motorcycle Insurance
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Joined: Feb 2007
Posts: 23,133 Likes: 52
Fe Butt
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Fe Butt
Joined: Feb 2007
Posts: 23,133 Likes: 52 |
I think I need to change ins. co.
I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
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Re: Motorcycle Insurance
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Joined: Feb 2005
Posts: 20,096 Likes: 2
Fe Butt
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Fe Butt
Joined: Feb 2005
Posts: 20,096 Likes: 2 |
Quote:
I think I need to change ins. co.
Yeah, in your case Ian, that might be a good idea.
In fact, I think I've heard that the Conservative Insurance Company of Ruby Ridge Idaho gives a 20% discount to each and every policy holder who owns a motorcycle that has a kickstarter on it!!!!
(...AND if the bike has a breaker points ignition system, I've heard that there could be an ADDITIONAL 15% off of THAT!!!)
Yep! Just like a good Single Malt Scotch, you might call me "an acquired taste" TOO.(among the many OTHER things you may care to call me, of course)
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Re: Motorcycle Insurance
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Joined: Feb 2007
Posts: 23,133 Likes: 52
Fe Butt
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Fe Butt
Joined: Feb 2007
Posts: 23,133 Likes: 52 |
I have several that run off a magneto stock from the factory, does that get me a bigger discount? One of them even has manual timing advance.
I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
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Re: Motorcycle Insurance
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Joined: Feb 2005
Posts: 20,096 Likes: 2
Fe Butt
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Fe Butt
Joined: Feb 2005
Posts: 20,096 Likes: 2 |
OH! A "magneto", you say?! YEAH! In fact, you're REALLY in luck HERE, Ian ol' buddy! Word (again) is that if your motorcycle has a magneto system, the Conservative Insurance Company of Ruby Ridge Idaho will give ya a whopping 150% discount for THAT bike!
Uh huh! They'll actually send YOU a check each and ever month of half the amount that you would have sent them, JUST because the Conservative Insurance Company of Ruby Ridge Idaho feels all of their valued customers should be rewarded for their loyal patronage!
(...ya can't beat THAT, now can YA, you lucky to have a magneto bastard you!!!!)
Yep! Just like a good Single Malt Scotch, you might call me "an acquired taste" TOO.(among the many OTHER things you may care to call me, of course)
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Re: Motorcycle Insurance
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Joined: Feb 2005
Posts: 20,096 Likes: 2
Fe Butt
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Fe Butt
Joined: Feb 2005
Posts: 20,096 Likes: 2 |
Btw Ian, I forgot to tell ya that there's a REALLY big windfall to be had if any of your bikes have 100% of their original Lucas electrical system on 'em. Ya see, the Conservative Insurance Company of Ruby Ridge Idaho feels that because there always that possibility that your lighting system could fail one dark and dreary night while you're out riding on a bike such equipped, your policy will automatically have a TRIPLE Indemnity clause in the case of you accidentally riding off the road...because of the dark, once again...heaven forbid!
Yep! Just like a good Single Malt Scotch, you might call me "an acquired taste" TOO.(among the many OTHER things you may care to call me, of course)
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Re: Motorcycle Insurance
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Joined: Oct 2011
Posts: 1
Complete Newb
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Complete Newb
Joined: Oct 2011
Posts: 1 |
cheap business insurance rates really do vary greatly depending on what type of motorcycle you purchase. Your premium could be as low as $200 for a small or midsize, get you to work and back machine, to more than $1,000 for a fast, racing type of motorcycle. This is for every year you own the bike.
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Re: Motorcycle Insurance
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Joined: Mar 2009
Posts: 12,964
Stickman Yogi
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Stickman Yogi
Joined: Mar 2009
Posts: 12,964 |
Quote:
cheap business insurance rates really do vary greatly depending on what type of motorcycle you purchase. Your premium could be as low as $200 for a small or midsize, get you to work and back machine, to more than $1,000 for a fast, racing type of motorcycle. This is for every year you own the bike.
Depending on where you live or what country you're from.
Live to love, love to live.
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Re: Motorcycle Insurance
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Joined: Sep 2010
Posts: 8,393 Likes: 1
Second Wind
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Second Wind
Joined: Sep 2010
Posts: 8,393 Likes: 1 |
You can get it pretty cheap here if you are a good distance from Houston
I have no faith in human perfectability. I think that human exertion will have no appreciable effect upon humanity. Man is now only more active - not more happy - nor more wise, than he was 6000 years ago.
Edgar Allan Poe
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Re: Motorcycle Insurance
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Joined: Feb 2011
Posts: 2,146
Oil Expert
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Oil Expert
Joined: Feb 2011
Posts: 2,146 |
Conservative Insurance will drop you if you file any kind of claim, though. Personally, I use USAA which, in turn uses Progressive. They know which side makes sense.
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Re: Motorcycle Insurance
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Joined: Jan 2005
Posts: 3,954
Loquacious
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Loquacious
Joined: Jan 2005
Posts: 3,954 |
Quote:
year both bikes.
Also Florida requires insurance. Without it you cannot register your vehicle. However, what a lot of people do is get the cheapest insurance they can, make one payment, register the vehicle, and then drop the insurance.
Tom
South Carolina got wise to that. The South Carolina State Police have an insurance unit, Troop 10, whose title is "Insurance Enforcement" and their sole job is to act on loss of coverage notices they receive from Insurance companies. I've heard they're pretty efficient and pretty no-nonsense. They will retrieve your plates, and take whatever other actions are necessary...
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Re: Motorcycle Insurance
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Joined: May 2011
Posts: 490
Adjunct
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Adjunct
Joined: May 2011
Posts: 490 |
USAA also directed me to Progressive, politics aside you pay a lot in Calif., $644.00 per year (to be fair I do have 3 points on my record, 1 for doing 122 mph in Boron, CA), Comp/Collision/Body Injury/Property Damages/Accessories. 500 deductible.
Ride like you mean it.
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Re: Motorcycle Insurance
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Joined: Feb 2007
Posts: 23,133 Likes: 52
Fe Butt
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Fe Butt
Joined: Feb 2007
Posts: 23,133 Likes: 52 |
Where I live with a clean record I pay $500 for my Jeep for 6 months for just minimum liability.
I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
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Re: Motorcycle Insurance
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Joined: May 2010
Posts: 5,720
Check Pants
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Check Pants
Joined: May 2010
Posts: 5,720 |
Conservative Insurance Company of Ruby Ridge Idaho
Uhh, do they have snipers in their ranks? To cull clients that make too many claims.
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Re: Motorcycle Insurance
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Joined: May 2010
Posts: 5,720
Check Pants
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Check Pants
Joined: May 2010
Posts: 5,720 |
Quote:
Where I live with a clean record I pay $500 for my Jeep for 6 months for just minimum liability.
We have broadform in my state, less than $500 a year for any vehicle I drive, covers the state minimum reqs. Except motorcycles, broadform only covers cages. BTW, broadform is generally not advertised, you have to ask for it, saved me a fortune, having 4 licensed vehicles. How Progressive is that?
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Re: Motorcycle Insurance
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Joined: Jan 2007
Posts: 3,445 Likes: 1
Loquacious
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Loquacious
Joined: Jan 2007
Posts: 3,445 Likes: 1 |
I've tried, without success, to convince my Ins. Co. that the wife and I can only possibly drive 2 of our vehicles at a time (3 bikes, 4 cars) - the others remain at home. None of them are worth anything substantial, so we just rotate them.
Now, if I could turn this suburban property into a farm.... I'd be able to get a break.
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