freedom
Saddle Sore
Reged: 01/12/05
Posts: 5304
Loc: NW, MT
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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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"It's not what I say that's important, it's what you hear" Red Auerbach
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Ryk
Learned Hand
Reged: 05/19/10
Posts: 1618
Loc: Pac. NW
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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
"Lighten up, Francis."
Reged: 01/11/05
Posts: 18825
Loc: East Helena, Montana
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Required or not, when one rides behind Freedom you tend to want to upgrade your coverage. 
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BA.com Caretaker | Friarsride | jb.com
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locopony
Loquacious
Reged: 09/01/10
Posts: 4287
Loc: Texas, Houston
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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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Bopin in the bad shine, with a bota bag of fried wine.
http://locoponys.com/
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RamSound
Loquacious
Reged: 08/09/05
Posts: 2706
Loc: Mary Esther, FL
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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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Bob
2005 America, 904cc BB, SS long slash cuts, UNI with NH bellmouth, jet kit with needles in top position, drilled slides, 128/45 jets, 1.5 turns out, 18/42 sprockets.
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The_Dog33
Fe Butt
Reged: 02/01/07
Posts: 16982
Loc: NE PA USA
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I pay $86 a year for both bikes I have on the road at the moment.
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I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
some shots of our bikes
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Keith
Stickman Yogi
Reged: 03/21/09
Posts: 11607
Loc: BC, Canada
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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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Live to love, love to live.
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LA_Geezer
Adjunct
Reged: 05/18/11
Posts: 109
Loc: Baton Rouge LA
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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
Learned Hand
Reged: 01/13/05
Posts: 1232
Loc: Cape Canaveral, FL
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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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In spite of the cost of living, it's still popular.
Laurence J. Peter
US educator & writer (1919 - 1988)
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norton68
Adjunct
Reged: 02/23/10
Posts: 236
Loc: central florida
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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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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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FriarJohn
"Lighten up, Francis."
Reged: 01/11/05
Posts: 18825
Loc: East Helena, Montana
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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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BA.com Caretaker | Friarsride | jb.com
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The_Dog33
Fe Butt
Reged: 02/01/07
Posts: 16982
Loc: NE PA USA
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I pay $85 a year for both bikes combined.
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I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
some shots of our bikes
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FriarJohn
"Lighten up, Francis."
Reged: 01/11/05
Posts: 18825
Loc: East Helena, Montana
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Oh, you got a dollar discount since your last post? Cool!
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BA.com Caretaker | Friarsride | jb.com
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The_Dog33
Fe Butt
Reged: 02/01/07
Posts: 16982
Loc: NE PA USA
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Might have been $86.
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I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
some shots of our bikes
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The_Dog33
Fe Butt
Reged: 02/01/07
Posts: 16982
Loc: NE PA USA
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Just looked it was $82.37.
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I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
some shots of our bikes
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The_Dog33
Fe Butt
Reged: 02/01/07
Posts: 16982
Loc: NE PA USA
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I forgot I posted to this thread before, very tired right now.
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I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
some shots of our bikes
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burtard
Adjunct
Reged: 09/15/08
Posts: 235
Loc: Howaeds Grove, WI
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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
Should be Riding
Reged: 01/12/05
Posts: 12034
Loc: Beaverton, OR
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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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•Triumph Connection
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moe
Bearing Changer
Reged: 01/11/05
Posts: 9807
Loc: Merritt Island, Fl
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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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Blowing gravel off rural roads
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locopony
Loquacious
Reged: 09/01/10
Posts: 4287
Loc: Texas, Houston
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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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Bopin in the bad shine, with a bota bag of fried wine.
http://locoponys.com/
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Gregger
Oil Expert
Reged: 04/07/07
Posts: 2371
Loc: Timmins, Ontario
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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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03 Bonneville America
69 BSA Firebird Scrambler
73 Yamaha TX 750
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Bucky
Loquacious
Reged: 05/21/06
Posts: 3971
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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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locopony
Loquacious
Reged: 09/01/10
Posts: 4287
Loc: Texas, Houston
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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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Bopin in the bad shine, with a bota bag of fried wine.
http://locoponys.com/
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SSGRex
Adjunct
Reged: 03/27/07
Posts: 557
Loc: Joint Base Lewis McChord, WA
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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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Combat Veterans Motorcycle Association
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RobBA05
Loquacious
Reged: 01/23/06
Posts: 3565
Loc: NH
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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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THE VOICE OF REASON
per: Stewart
AF&AM/Shriner/Scoutmaster
130/45 TBS 2shim SS Uni 18/42
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Dwight
Fe Butt
Reged: 02/03/05
Posts: 17828
Loc: Sedona, Arizona
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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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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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The_Dog33
Fe Butt
Reged: 02/01/07
Posts: 16982
Loc: NE PA USA
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I think I need to change ins. co.
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I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
some shots of our bikes
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Dwight
Fe Butt
Reged: 02/03/05
Posts: 17828
Loc: Sedona, Arizona
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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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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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The_Dog33
Fe Butt
Reged: 02/01/07
Posts: 16982
Loc: NE PA USA
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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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I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
some shots of our bikes
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Dwight
Fe Butt
Reged: 02/03/05
Posts: 17828
Loc: Sedona, Arizona
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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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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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Dwight
Fe Butt
Reged: 02/03/05
Posts: 17828
Loc: Sedona, Arizona
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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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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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johnjessi
Complete Newb
Reged: 10/12/11
Posts: 1
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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
Stickman Yogi
Reged: 03/21/09
Posts: 11607
Loc: BC, Canada
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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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Live to love, love to live.
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locopony
Loquacious
Reged: 09/01/10
Posts: 4287
Loc: Texas, Houston
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You can get it pretty cheap here if you are a good distance from Houston
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Bopin in the bad shine, with a bota bag of fried wine.
http://locoponys.com/
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Smokey3214
Learned Hand
Reged: 02/18/11
Posts: 1930
Loc: Western NC
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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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Gregu710
Loquacious
Reged: 01/11/05
Posts: 3911
Loc: Longmont, Colorado
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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
Adjunct
Reged: 05/26/11
Posts: 455
Loc: Fresno, California
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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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Ride like you mean it.
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The_Dog33
Fe Butt
Reged: 02/01/07
Posts: 16982
Loc: NE PA USA
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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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I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
some shots of our bikes
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Ryk
Learned Hand
Reged: 05/19/10
Posts: 1618
Loc: Pac. NW
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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
Learned Hand
Reged: 05/19/10
Posts: 1618
Loc: Pac. NW
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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
Learned Hand
Reged: 01/28/07
Posts: 1467
Loc: NE FL
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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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Youth, talent & enthusiasm are no match for old age and treachery.
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