SNOOPY
Active member
No tickets for anything; ever! 41 years of driving... :thumbup:
But I've filled out more than my fair share of accidents reports over the years...pps:
Never been in an accident....maybe that says something .... lol
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Who do you go thru for insurance?
- Thread starter Guesswho
- Start date
Never been in an accident....maybe that says something .... lol
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SNOOPY
Active member
Yeah it just sucks.
I've been driving for almost 35 years.
I've driven race tracks like Charlotte, VIR and Daytona at over 165 mph....yet I can't drive a 3 wheeler ??? Ridiculous.
Bob Denman
New member
According To the insurance companies; you don't know how to drive one until you've layed down a clean driving record with one...
And that's just the way it is.
They're not going to buy a "Pig in a poke" any more than you would...
And that's just the way it is.
They're not going to buy a "Pig in a poke" any more than you would...
Michael211_2000
New member
Bob this ain't rocket-science. If you're an experienced driver of other vehicles on the public highway system already, then this Spyder isn't significantly different than say a mini-cooper (except if it rains you'll get soaking wet, but you won't melt). Again this ain't rocket-science, it's not even aero-space science... you're not going from driving a wheeled vehicle on the public highway system to say flying an airplane in the national air space. Hello!
Insurance companies are entirely for-profit and known to be really greedy. :gaah:
Regards.
- MIchael
suenmikez
New member
Insurance $$$
:spyder2:
:spyder2:
Guess we are under covered, only paying $150.00 per year with Foremost.... what are we missing?:banghead:
Michael211_2000
New member
If you're getting full comp and PIP and state minimum liability for THAT per year, then I'm going to go hang myself! :shocked:
Check your policy details.
- Michael
Bob Denman
New member
Okay... Now you're a little bit out of bounds,,,
Riding ANY motorcycle on the street is VASTLY different than driving ANY cage...
And I've got a MINI; you're in my house...
Nothing can take the place of experience...
I've got almost 40 years of bike experience, and 35 years of selling insurance...
Michael211_2000
New member
Well, we'll just have to agree to disagree on this Bob. I stand by my posting and my opinion. This ain't rocket science, period... it's just another vehicle operating on the public highway system. If you're an adult who's been driving on the public highway system for years and years (or decades for that matter!) with a proven driving record, then you shouldn't be treated (by insurance companies) like a 16 year old teenager fresh out of a driver's ed course in high school, just because you are riding a new vehicle instead of riding IN a new vehicle.
Every vehicle has the basics: turn signals, brakes, steering, and a throttle... and the road itself hasn't changed 1 bit no matter what you drive it's the same road the same rules still apply you still stop and yield at stop signs you stop and hold for red stop lights etc. etc. etc. So what's significantly new and different then? Not a thing, IMHO. What, you might get wet if it rains?
If you fail to yield and pull out in front of an 80,000lbs 18-wheeler going 55mph for example, then you're dead whether you're driving a min-cooper or a Spyder or a 2-wheeled motorcycle. The rules for driving on the public highway system are there for a reason and eveybody no matter what they're driving or riding has to follow them. Once you know and are experienced in following the rules for the public highway system, then you know and are experienced in those rules and they still apply no matter what vehicle you drive on that system.
I've driven everything from Peterbilt "big" trucks (they were mine) to my 1 ton dually to my sports car to this new Spyder, they each operate essentially the same way and the road doesn't change based on my choice of wheels for the day.
Finally, a Spyder is not a motorcycle (as Can-Am insists, repeatedly... and I would agree it's not one but state's only have 2 or 3 categories of vehicle so they classify the Spyder as best they can figure out but it's a poor fit as a "motorcycle"). Nor is it a min-cooper. Nor is a mini-cooper a motorcylce or vice-versa. Every vehicle has it's differences, from the largest to the smallest. But they all have the basics, and they all operate on the same highway system with the same basic rules of that system.
ps. As I discovered yesterday when confronted with a dangerous situation that could easily have led to a severe collision with another vehicle, while I may be more protected by a "cage" vehicle in a collision than on a Spyder being on the Spyder I was able to completely AVOID a collision because it can stop so much faster than most "caged" vehicles. I have now twice (in a single decade) been in the aweful position of having another vehicle coming towards me suddenly without warning turn left directly in front of me... the previous time it happened I T-boned the other vehicle with my 1 ton dually truck making a big mess (but nobody was seriously injurred), but yesterday on the Spyder I avoided a collision under an otherwise identical situation (my reaction and response to said situation was exactly the same as before) BECAUSE the Spyder I was riding could. Had I been in my 1 ton dually yesterday there'd be 1 less little old white haired lady in this world and a huge mangled mess to clean up. So why am I paying over twice as much for Spyder insurance than my 1-ton dually's insurance? :dontknow:
Regards.
- Michael
Bob Denman
New member
Enjoy your ride! :thumbup:
Desert Spyder
New member
I'm with National General, formerly GMAC. Full coverage for $262 annual. No MC permit, no tickets, no accidents, not even a pull over in 30 years plus. Just lucky I guess.
Michael211_2000
New member
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! :yes:
- Michael
Dan McNally
New member
No one said it was purely where you live. That is one of several items that insurance companies use . . . where you live (because that determines where you ride); age; driving experience; credit score; previous accidents and moving traffic violations (if they know about them) . . . there are several things that drive your rate. If you don't think where you live has anything to do with it, spend some time in the military, and watch the rates bounce around with every move to a new station, even though the drivers and cars on the policy stay the same.
Huge difference . . . while you are dead in a mini-Cooper or a Spyder when you pull in front of an 18 wheeler, you are in a lot more danger of serious damage and astronomical hospital bills on a Spyder if t-boned by a Mini-Cooper than you are if you are in a cage . . . even another Mini-Cooper cage. Fender benders that drivers walk away from, when both are in cages, often result in the Spyder ryder being carted off in an ambulance when the same event happens between a cage and a Spyder. And the insurance companies take that into consideration.
Michael211_2000
New member
If that's the case then 18-wheelers should have the lowest insurance rates of ANYBODY as they can run right over anything on the roadway except another 18-wheeler and he who has the most mass in an collision get's the least amount of injuries hands-down right? But they don't have low rates at all. Yes I know, they cause the most severe injuries to OTHER drivers no matter who was at fault when in an accident I know this but who *causes* the accident should determine who pays the most in insurance premiums that's just fair and common sense which I see very little of either these days.
Insurance companies are for-profit businesses, they're going to charge as much as they can get away with and will use any excuse legitimate or ficticious to charge higher rates irregardlles of whether you or I are good careful defensive drivers with history to prove it, or what vehicles we drive. It's a fact in my experience.
When I talked with a Geico agent last month about my Spyder's policy (actually when I was cancelling the higher Geico policy in favor of my current Progressive policy which I'd be more than happy to cancel as well if I can find a better rate for equal coverage), the agent told me that Geico is looking to switch to charging policy rates based on credit scores soon... his explanation was that people with lower credit scores are more likely to sue after an accident no matter who is at fault! Which sounds like pure hog-wash to me... seems more likely that there are A LOT more people with lower credit scores than higher credit scores so this would give Geico justification to raise rates on far more people increasing profits so the CEO and other execs can get even bigger bonuses, and that's all there is to it. But that's just my opinion of course.
I think insurance rates should be charged based on your driving history and your *education* level... people with college degrees and good clean driving records should get the lowest possible rates as we're less likely to cause an accident IMHO. Hey that's just as good a guess as charging people higher rates based on their credit scores after all (which mine is fairly high in fact, so either way it'd be a win-win for me but very unfair to oh so many others who have clean driving records).
Finally, given the number of Spyder's out there on the public highway system... just what is the probability of any accident or collision actually involving a Can-Am Spyder? I'd bet it's astronomically LOW! Spyder's make up an itsy-bity teeny-weenie percentage of the vehicles operating on the public highway system (the itsy-bitsy Spyder climbed up the water spout, down came the rain and washed the Spyder out... sorry my bad!). :spyder:
- Michael
Insurance companies are for-profit businesses, they're going to charge as much as they can get away with and will use any excuse legitimate or ficticious to charge higher rates irregardlles of whether you or I are good careful defensive drivers with history to prove it, or what vehicles we drive. It's a fact in my experience.
When I talked with a Geico agent last month about my Spyder's policy (actually when I was cancelling the higher Geico policy in favor of my current Progressive policy which I'd be more than happy to cancel as well if I can find a better rate for equal coverage), the agent told me that Geico is looking to switch to charging policy rates based on credit scores soon... his explanation was that people with lower credit scores are more likely to sue after an accident no matter who is at fault! Which sounds like pure hog-wash to me... seems more likely that there are A LOT more people with lower credit scores than higher credit scores so this would give Geico justification to raise rates on far more people increasing profits so the CEO and other execs can get even bigger bonuses, and that's all there is to it. But that's just my opinion of course.
I think insurance rates should be charged based on your driving history and your *education* level... people with college degrees and good clean driving records should get the lowest possible rates as we're less likely to cause an accident IMHO. Hey that's just as good a guess as charging people higher rates based on their credit scores after all (which mine is fairly high in fact, so either way it'd be a win-win for me but very unfair to oh so many others who have clean driving records).
Finally, given the number of Spyder's out there on the public highway system... just what is the probability of any accident or collision actually involving a Can-Am Spyder? I'd bet it's astronomically LOW! Spyder's make up an itsy-bity teeny-weenie percentage of the vehicles operating on the public highway system (the itsy-bitsy Spyder climbed up the water spout, down came the rain and washed the Spyder out... sorry my bad!). :spyder:
- Michael
Bob Denman
New member
Over the road haulers pay a higher rate simply due to the fact that their exposure to chance of loss is so high...
Education really has little or no impact on driver safety; I'm an unfortunate example of that...pps:
I'll agree with you that credit scores impact rates; I don't think that they should; but it's a fact of life... How quickly somebody either does, or doesn't pay what they owe seems rather distant from driving skills. :dontknow:
You're trying to break Spyders out of the motorcycle statistical analysis because we're a relative minority... That is a VERY slippery slope!!
Example:
The first Spyder on the road; what if it's operator causes an at-fault accident?
100% of Spyders on the road have now been in an accident; how would you charge for THAT?
Insurance companies use statistical analysis to try and determine what losses will come from the various types of risks that they are underwriting...
They'll try and MANAGE the risk by instituting guidelines for eligiblity:
Age
experience
driving record
garaging address
marital status
sex
credit rating
prior insurance record
and actually many other factors...
They can actually justify this to any agency that overlooks them: they do it to protect their pricing structure!
End of the lesson... off my soapbox...
Education really has little or no impact on driver safety; I'm an unfortunate example of that...
pps:I'll agree with you that credit scores impact rates; I don't think that they should; but it's a fact of life... How quickly somebody either does, or doesn't pay what they owe seems rather distant from driving skills. :dontknow:
You're trying to break Spyders out of the motorcycle statistical analysis because we're a relative minority... That is a VERY slippery slope!!
Example:
The first Spyder on the road; what if it's operator causes an at-fault accident?
100% of Spyders on the road have now been in an accident; how would you charge for THAT?
Insurance companies use statistical analysis to try and determine what losses will come from the various types of risks that they are underwriting...
They'll try and MANAGE the risk by instituting guidelines for eligiblity:
Age
experience
driving record
garaging address
marital status
sex
credit rating
prior insurance record
and actually many other factors...
They can actually justify this to any agency that overlooks them: they do it to protect their pricing structure!
End of the lesson... off my soapbox...
Michael211_2000
New member
It's still just another vehicle though, this has nothing to do with the ability to safely operate a Spyder nor the probability of a Spyder being in an accident of any magnitude. 18-wheeler drivers can walk away from virtually ANY accident no matter how mangled or dead the other vehicle's occupants may be. So by this logic, we should all be driving 18 wheelers since those drivers are so well protected from harm, and it should be illegal to operate any lesser vehicle on public roads. :clap:
There is no legitimate justification for charging 1 Spyder owner/operator a significantly higher rate for the same coverage as another Spyder owner/operator, with both owners having similar years of experience on the public highway system (and NOBODY at all has more than a mere handful of years on a Spyder) and a clean safe driving record. The probability of either Spyder owner/operator becoming involved in a collision with another vehicle (or a single vehicle Spyder accident) is essentially the same, very very close to 0.0% I suspect. Therefore the insurance companies must simply be looking for ways to charge higher rates to boost revenue and profits (such as basing rates on your credit score, which has absolutely no correlation to a person's statistical probability of being in or causing an accident). Which goes full circle back to my previous opinion, insurance companies are greedy and will charge as much as they can based on whatever criteria they can get the highest rates on for the most people. :banghead:
fyi: What I post is just my opinion and based soley on my experiences and observations, I have no problems agreeing to disagree and consider this and any converation I engage in to be just that... neuron stimulating possibly educating always entertaining converations between otherwise like-minded intelligent adults. No disrespect is ever intended nor implied I promise (Bob)! I want to be friends with everybody and anybody and there is no need to agree on anything except our enjoyment of being a Spyder owner and rider!
- Michael
BikerDoc
New member
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.....
Bob Denman
New member
"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. :shocked:
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. :shocked:
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$........So without it the total would be; 470$, ......
Desert Spyder
New member
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.
Deanna777
Well-known 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 :spyder2: 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
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 :spyder2: 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
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