Just wondering if you had (or have) your harley paid off, what insurance coverage do you have...full coverage or liability only. Reason asking is that I currently have 2 cars with full coverage, 1 car with liability only, my Harley with full coverage and another harley on the way...full coverage coming. So now I am thinking about dropping my insurance coverage on my bike down to liability only with the rational of I can purchase tank, fenders and some other parts for my deductable I would pay if I had an accident. What ya think?

V/r

 

Have you priced Harley parts?A friend(used to be anyway)laid over my Fatboy at about 5 miles per hour in a ditch with mostly grass/sand mixtureand did over $2500 worth of damage. Also with theft being so high on these things I guessI'm keeping full coverage but you need to do the math and see what makes sense. Thats a good looking bike you have.

 

For the one claim I submitted to Progressive, the damages from dropping the bike in a parking lot far exceeded the deductible. If I had just liability, I would be out much more than I care to pay. So, I suggest full coverage. My bike is on the car policy, now AutoOwners, and cost $600 per year for full coverage with $250 deductible.

However, I think moderator Heather C (from IN) is an insurance agent, and you might want to ask her directly.

Question: what is the license plate on the red car in your picture? Thanks

 

OneBlackFly, we're looking to close but those look like beer cases also. Let's go see him in person!

 

Mine's paid off, and I have full coverage through Drive Insurance (Progressive). I used to carry only the legal minimum, with no collision. I figured if I get into a wreck on a bike, the bike is gonna be the least of my worries. A couple days after getting this one, I thought to myself, "You know, I just paid $25k for this mother... so maybe full protection might not be a bad idea for an extra $200 a year."

 

My Harley is a 2002 and I've had full coverage on it the whole time since that year. Where I got screwed was the deductible amount. My agent had set it up for a $1000 "collision" deductible because that was how my autos were set up on the full coverages. Had an incident happen in my driveway where the bike fell over while I wasn't on it and the fall dent my tank. To purchase a new tank and install it would have cost over $900. But the insurance company labeled the incident as "collision" which falls under the $1000 deductible and not "other than collision" which was the $250 deductible. Used the language that the bike collided with the ground and not something colliding with bike such as hail, fire, etc. So basicly I got screwed on a technecality. But that changed the next day when I chewed my agent's butt and had the deductibles for "collision" and "other than collision" made the same at $250 on both. That way the insurance company wouldnt have a way of "squirming" out of it. The price difference was about $50 more a year for the lower deductible. Would have made a heck of a lot of difference in this particular incident. [:@]

 

Might have a bit of difficulty finding him since he/she does list location in Profile. His/her bike has the same NK plate.

 

I am in the military stationed in Germany....that is what we use here.

V/r

 

I am with USAA and what I have told is that insurance coverage is more expensive since I am overseas. I am paying right at $1200/year just for my bike (full coverage).

 

I have a Truck (POS)that is paid off and two bikes paid off (over $50k)... In Washington State Insurance is not required for Motorcycles that are paid for... But I love the Bike and I hope it nevers see's the pavement or any loss or damage, but if it did I want the most I can get out of it. I went through HD and I have Foremost with a $250.00 deductable, they cover an additional $5000.00 in upgrades including Leather and Helmet. Both bikes it is an Annual $960.00, I have the minimum I can carry in the state for the truck...