Insurance full coverage or basic

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May 13, 2016 | 11:33 AM

brad75raiders

Thread Starter

Road Warrior

Joined: Aug 2007

Posts: 1,557

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From: Oakdale Ca.

Insurance full coverage or basic

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.

May 13, 2016 | 11:40 AM

texashillcountry

Dirt don't hurt

Joined: Jan 2011

Posts: 21,062

Likes: 4,547

From: Haslet Texas

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.

May 13, 2016 | 11:46 AM

upland117

Novice

Joined: Jul 2014

Posts: 21

Likes: 0

From: Alberta, Canada

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.

May 13, 2016 | 12:01 PM

Uncle G.

Seasoned HDF Member

Joined: Jun 2010

Posts: 9,324

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From: Upstate New York

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.

May 13, 2016 | 01:10 PM

Bumpandrun

Stellar HDF Member

Joined: Jan 2013

Posts: 2,747

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From: Vermont

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

May 13, 2016 | 01:14 PM

98hotrodfatboy

Seasoned HDF Member

Joined: Mar 2010

Posts: 21,005

Likes: 7,540

From: Poolville

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

May 13, 2016 | 01:32 PM

Tom84FXST

Seasoned HDF Member

Joined: Nov 2009

Posts: 15,705

Likes: 22,718

From: Farmington ,MS

Quote:

Originally Posted by brad75raiders

Some of us have alot of coin in our bikes even though they are older,

Quote:

Originally Posted by upland117

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.

Quote:

Originally Posted by Uncle G.

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

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/