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freedom
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(Saddle Sore)
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05/21/11 05:02 AM
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Motorcycle Insurance
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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.html
Helmets optional, until 10-12 years ago the speed limit was defined as "reasonable & prudent". Fortunately, I have always been very reasonable & prudent 
jh
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Ryk
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(Learned Hand)
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05/21/11 06:07 PM
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Re: Motorcycle Insurance
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Washington State does not require MC insurance either, but Oregon does, don't ask me how I know.
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FriarJohn
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("Lighten up, Francis.")
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05/21/11 06:58 PM
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Re: Motorcycle Insurance
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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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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.
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Re: Motorcycle Insurance
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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.
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Re: Motorcycle Insurance
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I pay $86 a year for both bikes I have on the road at the moment.
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Keith
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(Stickman Yogi)
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05/28/11 06:51 PM
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Re: Motorcycle Insurance
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Here it's $112/mo for one bike. That's bare bones coverage with a 40% safe driver's discount!! 
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Re: Motorcycle Insurance
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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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tcv
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(Learned Hand)
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08/14/11 06:17 AM
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Re: Motorcycle Insurance
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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
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Re: Motorcycle Insurance
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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 ..
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FriarJohn
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("Lighten up, Francis.")
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08/14/11 08:44 AM
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Re: Motorcycle Insurance
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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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I pay $85 a year for both bikes combined.
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FriarJohn
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("Lighten up, Francis.")
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08/14/11 03:14 PM
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Re: Motorcycle Insurance
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Oh, you got a dollar discount since your last post? Cool!
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Re: Motorcycle Insurance
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Might have been $86.
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Re: Motorcycle Insurance
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Just looked it was $82.37.
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Re: Motorcycle Insurance
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I forgot I posted to this thread before, very tired right now.
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burtard
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(Adjunct)
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08/14/11 04:46 PM
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Re: Motorcycle Insurance
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$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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Soren
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(Should be Riding)
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08/14/11 06:33 PM
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Re: Motorcycle Insurance
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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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moe
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(Bearing Changer)
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08/15/11 04:53 AM
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Re: Motorcycle Insurance
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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
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Re: Motorcycle Insurance
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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.
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Gregger
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(Oil Expert)
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08/16/11 04:28 PM
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Re: Motorcycle Insurance
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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.
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Bucky
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(Loquacious)
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09/06/11 06:31 AM
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Re: Motorcycle Insurance
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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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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.
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SSGRex
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(Adjunct)
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09/27/11 03:10 AM
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Re: Motorcycle Insurance
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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?
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RobBA05
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(Loquacious)
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09/29/11 12:56 PM
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Re: Motorcycle Insurance
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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
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Dwight
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(Fe Butt)
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09/30/11 10:51 AM
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Re: Motorcycle Insurance
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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!) 
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Re: Motorcycle Insurance
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I think I need to change ins. co.
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Dwight
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(Fe Butt)
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09/30/11 07:22 PM
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Re: Motorcycle Insurance
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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!!!)
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Re: Motorcycle Insurance
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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.
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Dwight
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(Fe Butt)
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09/30/11 07:59 PM
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Re: Motorcycle Insurance
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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!!!!)
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Dwight
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(Fe Butt)
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09/30/11 08:15 PM
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Re: Motorcycle Insurance
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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!
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Re: Motorcycle Insurance
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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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Keith
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(Stickman Yogi)
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10/13/11 11:17 PM
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Re: Motorcycle Insurance
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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.
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Re: Motorcycle Insurance
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You can get it pretty cheap here if you are a good distance from Houston
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Re: Motorcycle Insurance
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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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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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amglo
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(Adjunct)
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01/06/12 10:29 PM
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Re: Motorcycle Insurance
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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.
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Re: Motorcycle Insurance
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Where I live with a clean record I pay $500 for my Jeep for 6 months for just minimum liability.
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Ryk
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(Learned Hand)
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01/07/12 09:55 AM
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Re: Motorcycle Insurance
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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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Ryk
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(Learned Hand)
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01/07/12 10:09 AM
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Re: Motorcycle Insurance
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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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Hermit
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(Learned Hand)
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01/08/12 07:56 PM
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Re: Motorcycle Insurance
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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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