That was the MSRP when it was new.

 

Full coverage. State Farm. Insurance is a bit pricey in Michigan due to the No-Fault Law. I think I pay around $39 a month (year round). They've been good to me, especially after the accident back in 2003.

 

I didn't think USAA insured motorcycles any more. I have one that is grandfathered in with them but my Evo is through Progressive for USAA members. Might want to check on that but I could be wrong.

 

In my experience insurance cost is a weird thing. Progressive is especially odd. Twice now (on different bikes) I've had a decent rate, and for the second year they've jacked it up by half again. I had no claims or accidents either time. I'm with Progressive now (for the third time, on yet a different bike) because the full coverage yearly rate was $189 versus $580 for the closest competitor (represented by my agent). BTW, I live in Southern California, but not in a big city (for rate comparison).

I'd shop around. Maybe visit an Independent insurance agent that carries a couple of different brands of insurance and see what they can do for you.

Alan

 

ValuesPrint
Excellent $11,645
Very Good $7,530
Good $3,335
Fair $1,440
Poor N/A

That is what shows for my 95 Heritage. That is a lot of variation in my opinion.

 

Usaa farmed me out to progressive 3 yrs ago. But all of a sudden they are insuring MC'S in Ca. Again!

 

I only go with liability because they aren't goiing to pay anything for a 95 FLHT.
I did just receive a mailer from Markel that they are offering declared value.
I may have to look into that.

 

You can always get it appraised ..Also if you have upgrade receipts like a fat tire kit, trans upgrade or even custom rims it will increase you total loss value coverage. But you need receipts to prove.. That's according to my Agent... 99.... lol...

 

Another choice is to go full coverage, but have them raise your deductible, from whatever it is to $1,000.00 or more...it will lower your payment...

 

I think NADA is good for cars, for bikes, not so much...