Every few months I check rates for full coverage insurance. The rates are all about the same.

Question is how much do you pay for full coverage and who is your insurance company.

thank you all in advance

i have state farm 720 per year

hopefully there will be some more responses and some of us might be able to save some money by switching insurance companies

 

allstate $800.00 yr 02 Electra Glide Classic

 

Full coverage through Markel on the '13 Wide Glide, $575 a year. Michigan's insurance rates and the MCCA fees were the motivation to downsize from 2 sport bikes and 2 HD's to just 1 HD...

 

I posted in another thread the other day ... I'm with Dairyland and it's less than $400.00 ( actually I think it's $380.00 ) ... I'm near US-23 and I-96 and have been riding for 50 years ... It came down this year by $20.00. It definitely pays to shop. Remember that you have no allegiance to these companies, and they are out to make as much as they can.

 

Just re-newed with Progressive. $375 if I paid in full up front. Last 3 years have been the lowest I paid.

Mine is an 04Deuce. I was always over $500 with 0 points, no claims, and garaged kept in Walled Lake.

 

$625 full coverage for the WG and DR350 in White Lake with Progressive. $360 of that is the MCCA raping.

 

Allstate have 3 bikes and house all together but my ultra is around $630 a yr full coverage with the extra $ to ride without a lid if I choose

 

MCCA and Motorcycles ... More Bureaucratic BS


https://www.michigan.gov/documents/c...7_172811_7.pdf

Motorcycles and the Michigan Catastrophic Claims
Association (MCCA)
Anyone who operates a motor vehicle in
Michigan is required to purchase a no-fault
insurance policy. A no-fault policy includes three
mandatory coverages. These three coverages are
Personal Injury Protection (PIP), Property
Protection (PPI) and Bodily Injury and Property
Damage Liability (BI/PD). The PIP portion of
the auto insurance policy pays for unlimited
medical and rehabilitation coverage to any
insured person, his or her family members, and
any other persons injured as a result of an
accident involving an insured vehicle (e.g.
pedestrian, bicyclist, motorcyclist).
The no-fault policyholder’s insurance
company is responsible for paying the claims of
all injuries resulting from an auto accident.
However, the Michigan Catastrophic Claims
Association (MCCA) reimburses insurance
companies for those claims in which
“catastrophic” injuries exceed the retention limit
($530,000). All insurance companies in
Michigan are required to be a member of the
MCCA and to pay an assessment to the MCCA
for all vehicles insured, including motorcycles.
On an auto insurance policy, the insurer will
typically pass these costs on to its policyholder,
either as part of the PIP premium or as a separate
MCCA recoupment fee.
Motorcycles are specifically excluded as a
motor vehicle under the no-fault law. Because of
this, motorcyclists are unable to purchase a
typical no-fault policy that provides unlimited
PIP coverage as described above. Motorcyclists
are only required to purchase minimal liability
coverage, which protects motorcyclists against
liability for property damage, bodily injury or
death suffered by another person arising out of
the use of a motorcycle. Each insurer who writes
motorcycle coverage must also offer medical
benefits coverage. This medical benefits
coverage provides benefits to a motorcyclist if
they are injured in a motorcycle accident when no
other insurance coverage is available. Medical
benefits coverage may be purchased in
increments of $5,000 of coverage. The amount of
coverage purchased is the limit of benefits that
will be provided by the motorcyclist’s insurance
company. However, medical benefits coverage is
not mandatory, and a motorcyclist has the option
of choosing whether to purchase this type of
coverage.
Because motorcycle insurance companies
are assessed by the MCCA just like motor vehicle
insurance companies, the risk and cost of injuries
resulting from motorcycle accidents is spread
across the entire driving population. Motorcycle
claims are paid depending on whether the
motorcycle accident involves an insured motor
vehicle. If a motorcyclist is involved in an
accident with an insured motor vehicle, the
insurance company of the motor vehicle will pay
Page 1
Department of Insurance and Financial Services PO Box 30220 Lansing, MI 48909-7720
517-284-8800 Toll Free 877-999-6442
unlimited medical benefits for the injuries of the
motorcyclist, regardless of who was at fault in the
accident. However, the situation is much
different if the accident does not involve a motor
vehicle. If a motor vehicle is not involved in the
accident, the motorcyclist does not have
unlimited coverage because they are not eligible
for and have not purchased full PIP coverage, and
because there is no other insured vehicle involved
in the accident from which they can receive
benefits. The motorcyclist may have coverage
for at least a portion of their injuries in this
situation if they have purchased the optional
medical benefits coverage. This benefit would be
paid by the motorcyclist’s own insurance
company but would be limited to the amount of
medical benefits coverage that was purchased by
the motorcyclist.