Do you guys run full coverage on your evos? Some of us have alot of coin in our bikes even though they are older, do you guys go with the $$ option in insurance.
For me it is a 450.00 a year vs 175.00
I am debating in my head before my premium is due. Maybe you guys can help.

 

I run full coverage on my Heritage and it runs about $200 a year.
My FXSTC runs about $99 a year for liability.
I use Geico.

 

I usually go with full coverage on my bike simply because it would be hard to afford to replace it on my own if something happened. For me it's worth the extra cash each year to make sure I keep riding.

In 20 years your extra premium will cost you $5500. Of course I'm sure the premium would change by then, but food for thought.

 

Depends on what you can afford to pay now versus what you can afford to lose, I guess.


Still carrying full coverage on mine, $249/yr.

 

If you happen too have a special interest car,truck or bike. Try one of the big 3 insurance company's . Most won't take just a bike But if u can get them to take it. Ruffle 100 bucks per 10 grand. Full coverage

 

Don't forget to add towing. Well worth it's weight in gold..... Used mine twice last year when i broke 2 belts....

 

You need to look on NADA and see what your bike is worth...doesn't matter how much "coin" you have in the bike...unless you have extra coverage, or "agreed value" insurance...the low end of NADA is what you will get if the bike is stolen or totaled...and most EVO's ain't worth much.

On the flip side of the coin...if your bike is old enough to be considered "vintage" by NADA...they value it at a LOT more than you could actually sell it for....go figure.

http://www.nada.com/

 

Full coverage on my 98 RK as they still steal them old Harleys and PEOPLE texting/ cell phones and I DO NOT want another bike.I LOVE MY EVO

 

Nada on my bike is
5800
Suggested retail is 18500 Lol. It really said that

 

Well just asked usaa for a quote and it was 5$ dollars more for full coverage vs progressive basic insurance. !!! Works out to 25 bucks a month!!