Here in Maine I have full coverage on my 96 FLSTN and my 07 SERK. I also have my brother and his wife on my policy. I pay 481.00 total for the year. My FLSTN lives in Florida with them.

 

All you can really do is get quotes from as many companies as you can stand, and pick one. Way too many variables in play to try and figure out if one company is better priced than another, even in the same state.

 

I'm paying $320 a year for full coverage on two bikes, 2001 Fatboy and a 2006 Heritage through Progressive in Pittsburgh, PA.

 

Everyone keeps saying full coverage. Full coverage normally only includes Liability, comprehensive, collision, an uninsured motorist.

But they aren't posting there deductibles, Liability limits, If There full coverage includes accessory coverage, Under-insured coverage, Road side assistance, how much medical if any, etc. Without that info the premium means nothing.

 

You are correct Greg2012. So I grabbed my policy and here it is. Bodily Injury & Property Damage :300K combined single limit each accident. Uninsured / Underinsured 300K combined single limit each accident. Medical Payments 5k each person ( I think I need to revisit this.) Deductible: Comp & Collision $250.00. Accessory Coverage: 3K. Roadside Assistance Please pay Progressive $481.00 That should help, I hope.

 

I learned from another site that Markel in Wisconsin is a good place to go and they were absolutely right! I did an apples to apples comparison and my insurance dropped from $1200 per year to $438 per year. This actually turned out better than apples to apples as I got lower deductibles [$250 from 500] and $5000 in add-ons from $2000.
What you out of Michigan people don't understand is we are forced to pay $180 per year per vehicle to the catastrophic fund that covers unlimited medical funding but here's the real kicker, you must be in a accident with another vehicle in order to get this otherwise go in the ditch, hit a deer, to bad so sad. In a cage it doesn't matter how the accident happened.

 

reference #6 in this thread

 

Different countries and companies and rates up here I know, but I don't think I've ever seen a policy with 300K PL & PD coverage. Even up here where law suits are essentially limited to "damages", coverages start at $ 1 million and you're generally advised to carry $5 million because its not all that much more for the extra liability protection you get.

Having learned my lesson decades ago, when I look at a policy now, the first thing I check, on the back generally, are the list of exclusions, then I check the deductables for amounts and categories and lastly the premium. "General Insurance" is a game where you can buy a pig in a poke real goddamn easy.

 

The required minimum Liability coverage varies by the state in the US. In Missouri you are only required to carry $25K Liability. That wont even replace a most newer cars or touring bikes or the medical bills you could be liable for if you cause an accident. I carry 250/500/250 on all of my vehicles plus I have an umbrella liability policy of 1 million. Liability insurance is cheap and will protect you from loosing everything if you happen to be the cause of a major accident. Plus the insurance company wont want to pay out large amounts of money so they are going to fight any lawsuit a lot harder than they would if they are only liable to pay $25K.

 

Call my daughter Sindy at 843-330-8975