Motorcycle insurance question
#1
03-18-2008, 11:00 AM
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Motorcycle insurance question
Hi, I just got insurance for my 1991 Sportster 1200, is there anyone out there who could tell me the average cost per year? Here's my coverage: I'm paying $692.00 per year. (I'm new to this)
Bodily injury $15,000/person
(includes guest passenger $30,000/accident
Property damage $15,000/accident
Uninsured/Underinsured $15,000/person
Motorist Bodily Injury $30,000/accident
Uninsured Motorist Property $3,500/accident
Damage/Coll. Ded. Waiver
Bodily injury $15,000/person
(includes guest passenger $30,000/accident
Property damage $15,000/accident
Uninsured/Underinsured $15,000/person
Motorist Bodily Injury $30,000/accident
Uninsured Motorist Property $3,500/accident
Damage/Coll. Ded. Waiver
#2
03-18-2008, 11:06 AM
Road Captain
#3
03-18-2008, 11:42 AM
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#5
03-18-2008, 12:02 PM
Outstanding HDF Member
#6
03-18-2008, 12:04 PM
RE: Motorcycle insurance question
It depends on so many things that it's all but impossible to compare rates on a forum like this. Location, age, driving record, credit rating, etc, etc. All I can do is suggest you shop the area you're in for rates.
My being a retired insurance claims manager I will tell you that the coverage limits you're looking at come up way short of what you should consider carrying.
My being a retired insurance claims manager I will tell you that the coverage limits you're looking at come up way short of what you should consider carrying.
#7
03-18-2008, 12:04 PM
Road Master
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#8
03-18-2008, 12:08 PM
RE: Motorcycle insurance question
My insurance company, as I believe most others, base a lot of the premium's rate on rider's experience, credit rating (sorry to say),plus type of bike. Harley's have good insurance stats so that's a good thing. I pay 108.00/year (12 months coverage)for:
Bodily injury $100,000/person,$300,000/accident
Property damage $50,000/accident
Uninsured/Underinsured $100,000/person
Motorist Bodily Injury $300,000/accident
Uninsured Motorist Property $10,000/accident
Collision ($250 ded.)and towing
I have been riding accident-free for 44 years and I know that helps - a lot!
Bodily injury $100,000/person,$300,000/accident
Property damage $50,000/accident
Uninsured/Underinsured $100,000/person
Motorist Bodily Injury $300,000/accident
Uninsured Motorist Property $10,000/accident
Collision ($250 ded.)and towing
I have been riding accident-free for 44 years and I know that helps - a lot!
#9
03-18-2008, 01:19 PM
Road Captain
RE: Motorcycle insurance question
ORIGINAL: Thumper26
My insurance company, as I believe most others, base a lot of the premium's rate on rider's experience, credit rating (sorry to say),plus type of bike. Harley's have good insurance stats so that's a good thing. I pay 108.00/year (12 months coverage)for:
Bodily injury $100,000/person,$300,000/accident
Property damage $50,000/accident
Uninsured/Underinsured $100,000/person
Motorist Bodily Injury $300,000/accident
Uninsured Motorist Property $10,000/accident
Collision ($250 ded.)and towing
I have been riding accident-free for 44 years and I know that helps - a lot!
My insurance company, as I believe most others, base a lot of the premium's rate on rider's experience, credit rating (sorry to say),plus type of bike. Harley's have good insurance stats so that's a good thing. I pay 108.00/year (12 months coverage)for:
Bodily injury $100,000/person,$300,000/accident
Property damage $50,000/accident
Uninsured/Underinsured $100,000/person
Motorist Bodily Injury $300,000/accident
Uninsured Motorist Property $10,000/accident
Collision ($250 ded.)and towing
I have been riding accident-free for 44 years and I know that helps - a lot!
I pay $460 per year for an '07 FXD and an '07 1200N. It would be a lot lower, but my wife is a new rider which almost doubles her side of the policy.
#10
03-18-2008, 01:22 PM
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RE: Motorcycle insurance question
ORIGINAL: Thumper26
My insurance company, as I believe most others, base a lot of the premium's rate on rider's experience, credit rating (sorry to say),plus type of bike. Harley's have good insurance stats so that's a good thing. I pay 108.00/year (12 months coverage)for:
Bodily injury $100,000/person,$300,000/accident
Property damage $50,000/accident
Uninsured/Underinsured $100,000/person
Motorist Bodily Injury $300,000/accident
Uninsured Motorist Property $10,000/accident
Collision ($250 ded.)and towing
I have been riding accident-free for 44 years and I know that helps - a lot!
My insurance company, as I believe most others, base a lot of the premium's rate on rider's experience, credit rating (sorry to say),plus type of bike. Harley's have good insurance stats so that's a good thing. I pay 108.00/year (12 months coverage)for:
Bodily injury $100,000/person,$300,000/accident
Property damage $50,000/accident
Uninsured/Underinsured $100,000/person
Motorist Bodily Injury $300,000/accident
Uninsured Motorist Property $10,000/accident
Collision ($250 ded.)and towing
I have been riding accident-free for 44 years and I know that helps - a lot!
We paid approximate $160.00 per month for ins. on the 2 bikes for six months, which covered the whole year.
In addition, We paid 118.00 for a year for the medical coverage on 2 bikes... its 10K which is better than nothing.
