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"UM & UIM" coverages can be brought into play on motorycle polices more often than you think... (Or fear!). Here in New York; if you are injured in an accident by a hit and run driver, the assumption is that they had no insurance...
So this coverage can be rather important when you realize that you're more likely to get bit by this scenario, than if you were in a "cage" and in the same type of accident. 
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 Originally Posted by BikerDoc
I see no uninsured and underinsured motorist here which means you lack one of the most important of all coverages for your personal protection against idiots (of whom there are many - most on their cell phones)this is the most expensive portion of the coverage because it is the most frequently needed and the least frequently sold....
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I have a 11 T/G And a 13 Sportster 1200, insured with Foremost, On a total bill of 553$ my un and under insurance for 100,OOO/300,000
for 12 months is 83$........So without it the total would be; 470$, ......
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Very Active Member
Originally Posted by Michael211_2000
What does your full coverage with them include though? And the deductible is? These are the questions that matter just as much as what the premium cost is. You can have "full coverage" and yet have no PIP no uninsured/underinsured motorist as well as no roadside assistance and a huge deductible...
This is a fascinating thread, I doubt insurance companies would appreciate it however. LOL! 
- Michael
Well now I have egg on my face. When I originally responded to the thread it was $262, UNTIL, they found out how many miles I put on the bike last year. They needed my odometer reading so coverage went from 2000 mi to 12000 mi annually. Now I must pay double. Guess I'm going to keep the wife working until I can't play anymore.
 Happy Spyder Owner 
States visited on the Spyder.
And if we live life without a passion, then we're not living.
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Very Active Member
Insurance
I have Geico insurance and i pay $718.00 Twelve month premium. Full coverage + Towing & Labor Costs.
Uninsured & Underinsured Motorists $100,000/$300,000................................. $116.00.
Discounts that I have are: Msf Course, Renewal, Anti-Theft Device. I also have 2 other vechicles with Geico. Also, I live in Vermont. Also, I have " The Winter Storage Plan" in my policy. I store my  from Oct. 1 to April 1 and it automatically goes back to full coverage on April 1. I do not have to call Geico. Also, when i talk to an agent they say i have the best Coverage that i can get. Deanna777
Last edited by Deanna777; 09-04-2013 at 08:22 PM.
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Very Active Member
JUST TO CLARIFY
Originally Posted by BikerDoc
I see no uninsured and underinsured motorist here which means you lack one of the most important of all coverages for your personal protection against idiots (of whom there are many - most on their cell phones)this is the most expensive portion of the coverage because it is the most frequently needed and the least frequently sold.....
Doc, I actually have both of those + some others not mentioned. I find that to much info overloads and then the entire message gets lost.....So I only mentioned the BIG things.....Mike
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Originally Posted by 5ft2lilred
Husband has a 2012 RT LTD and mine is a 2010 RT LTD. He is a Veteran, so we now have USAA for under $600/year, full coverage. But prior to switching to them, we had Foremost and it was also under $600. (we live in Oregon)
Usaa told me the do not do motorcycle insurance and passed me off to Progressive as their sub contractor
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Linda and I are new rider just coming up on a year mine is a 2012 RT-S her's is a 2013 Ural Tourist. Our renewal for the 2nd year with GEICO dropped by a little over 30 a month and totals just a hair over 900 annual living in SW Ohio.
Ride and ride safe,
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Originally Posted by CurtG
Linda and I are new rider just coming up on a year mine is a 2012 RT-S her's is a 2013 Ural Tourist. Our renewal for the 2nd year with GEICO dropped by a little over 30 a month and totals just a hair over 900 annual living in SW Ohio.
Ride and ride safe,
Progressive does the same thing if you get no tickets in the first year it goes down the second one. I am paying $750 for my first year I wonder how much it will be next year,.... if I be good.
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Originally Posted by 5ft2lilred
Husband has a 2012 RT LTD and mine is a 2010 RT LTD. He is a Veteran, so we now have USAA for under $600/year, full coverage. But prior to switching to them, we had Foremost and it was also under $600. (we live in Oregon)
I'm a USAA member also. They sent me to Progressive for my bike insurance....
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Very Active Member
Spyder Insurance Coverage
Originally Posted by mdromaine
I pay $777 a year for FULL coverage with GEICO. They also have a WINTER STORAGE plan in the policy. I store my bike in Oct and it automatically goes back to full coverage on April 1st While in storage you can ride the bike and be covered for service work  . You can call and restart full coverage with Geico at any time. 
I was told the was a little higher than my 2011 HD Ultra Limited because of the repairs and accidents that the insurance companies have had to deal with. Also your driving record/tickets/accidents add $$.
Still Geico Ins has the best rates I have been able to find since 2004.
Good Luck
I pay $718.00 a year with Geico, full coverage and Towing + Labor Cost. I also have The " Winter Storage Plan" in my Policy. I store my from Oct. 1 to April 1 and it automatically gose back to Full Coverage on April 1. Also, I have an Excellent Driving Record. ( No Accidents) Also, I have 2 other Vechiles with Geico. I have msf Class, Anti-theft, Multi Discounts. Deanna777
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Formost insurance 360.00 a year full
Coverage .You should check with them
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