yeah my insurance is 190 bucks a year. Have 5K in coverage for accessories. No deductible either.

 

Wow! Thanks everybody. I do have fairly good insurance but nothing like $190 a year.

Rounder where do you get your insurance from?

 

Your statements on firearm ownership are incorrect. See the Heller case. It was national news.

The NRA has a page that will allow one to check each state's statutes, for those who are interested.

 

Wow, sorry to hear about your rides being stolen man, that's is beyond terrible news.
You have to make a decision insurance or theft prevention, personally I think if you do both, your waisting money. What I'm saying is, either lock it, hide it, alarm it, etc, and that is to deter a thief from stealing your ride and taking somebody else that is little to no effort.
OR
Pay for damn good insurance, full coverage, and realize that most policy's have small print, so all that bling, 103 eng build, stuff you added on, if you don't have an extra rider to that policy, your gonna get what that bike would blue book at the time it was stolen, which means you will take it in the shorts or you will have to up your policy on comprehension I think theft is under.

Me personally, I have put a hell of a lot of money/sweat equity in my ride. It's in a locked garage when I am not riding, it's in full eye sight when I am riding or it's locked/alarmed, if I'm not in eye sight of it.

I've got this alarm http://www.xenasecurity.com/product/...s/alarm/page1/

If you have ever heard it go off you will know it, it friggin hurts your ears. You can't freeze it, shoot it, cut it, burn it, whatever. All it takes isthe slightest of movements and it's blaring. Which is bound to get someones attention, mainly mine. You won't be able to ride my bike with that on, but if you got a few guys and are quick you can pick it up and throw it in the back of truck/van and it's all yours.
Which brings me to my last point, the reason I have prevention measures and not theft insurance is, if you steal my ride from me, keep it, I'll get a new one. I don't want the thing back after it's been raped, altered, pillaged, stripped, dented, scratched, layed down, etc. I don't want anything to do with a bike that every time I ride reminds me of being violated.
That's my .02cents

 

rounder: my bike isn't "just a bike". It's part of my soul and I don't want to lose it, period.

Many years ago I saw a pickup with the tailgate down stop next to a hog and 2 big dudes jumped out, THREW the bike in the back, slammed the gate and drove off - in 15 seconds. No license plate, of course.
I like my cable lock, the neck lock and for a disc lock, I use one of those cutter-proof locks with the circular pawl you can get for about $10 at the hardware store. Finding something immobile and using a cable will make it nearly impossible for a theif, but I saw something funny one day...a FRONT WHEEL of a bike chained to a pole; bike was gone! Be sure to loop the frame, man. As mentioned, 2 bikes are hard to move.
I do the car block thing too, and have a very noisy garage door, nosy neighbors, and multiple turns the bike has to make to get out. Try backing a 950 lb. bike with a fork lock, disc lock, and a truck and a car in the way, through several turns.
If you got that far, I'm a very good shot and a powerlifter. I'll pull you apart after I take out your knees. Then eat your head.
God, I hate thieves!

 

Funny you guys are discussing insurance. Just went through our policies today.
I keep a running total of all accessories we've added to both bikes since day 1. The $$$ amount we had listed on the policies under "additional accessories" is way, way under what we now have into the bikes. Tomorrow we're substantially increasing the $$$$ amounts on both bikes. BTW.... depending on where you live depends on what you pay.
Michigan has some of the HIGHEST insurance rates and mandates in the country. Premiums on Hubby 06 FLSTC last year was $450 and My 07 Dyna is $350, for Full coverage, with 500 collision deduct and 250 comp deduct. No tickets, no accidents, excellent credit rating and we're both in our 60's. We also got a discount for multiple vehicles. This is the CHEAPEST rates we could find and is through Progressive. Michigan wont let GEICO sell policies here.

 

I just wanted to update everybody, they found the bike.... at least whats left of it (frame, 2 wheels, and speedometer) but most importantly they found the guy who stole it. Good work SA police!! It doesn't matter my bike is really gone, at least the guy is going away for a long time!

 

Hey.......that is great the caught the guy..... and I'll bet he and his accomplices have stolen many other bikes before finally getting caught. I'll bet they had a business on Ebay selling stolen parts.

If and when you get a new bike.....be sure to post photos of your new pride and joy!!

 

I don't recall this being mentioned, but isn't there a micro imprinting system out there that would put microscopic numbers on all your parts so they could be identified as stolen (as belonging to you) when recovered? I seem to recall seeing something about that about a year ago.

 

I wish my ins was even close to what you are paying. I've been to FL and have seen some of the people who drive down there and can't believe that your ins is not through the roof.