Insurance Cost

[BRPjunkie]

Thanks everyone for your response. I have quotes coming. Wish me luck

Ride Safe and Smile

Make sure you have the right coverage. You can get some pretty cheap quotes that don't give you the coverage you need.

 

[woodchuck]

insurance for can am

Michigan resident, clean record and 61. AARP Foremost policy is $380/yr which includes the $104 MCCA tax.
Coverage:
Bodily Injury - $250,000/$500,000
Property Damage - $100,000
Uninsured motorist - $100,000/$300,000
Collision - $500 deductible
Comprehensive - $500 deductible
Optional Equip - up to $3,500 included
Roadside assistance/towing

I don't want to bust your bubble but everybody should stop and review your ins. coverage. You don't know how good your ins. is until you need it. A lot of you do not have underinsured motorist.You should have uninsured and underinsured motorist. Ask your agent if it is full tort or limited tort? I was involved in a headon collision by a woman who had low sugar. She was driving arratic and she didn't know where she was after the accident, But anyway with full tort you can sue for pain and suffering where as limited tort you can sue just for the limits in your ins. policy. A lot of you say you have full coverage and pay soso. Check your limits and raise them because of some idiot that can cause you alot of problems. Also if you have more that one vehicle with the same ins. co. ask your agent if you can stack them. That means you can sue for double of your lim its.:clap:

 

[retread]

A lot of insurance companies will put the Spyder in the same class and rate as a crotch rocket, read high cost insurance. I'm with Allstate, clean record, full coverage, $305/year in Indiana. Rates went down almost $300 when I told them it is a sport-tourer, and another 10 per cent with MSF class certificate.

john

 

[bjt]

I don't want to bust your bubble but everybody should stop and review your ins. coverage. You don't know how good your ins. is until you need it. A lot of you do not have underinsured motorist.You should have uninsured and underinsured motorist. Ask your agent if it is full tort or limited tort? I was involved in a headon collision by a woman who had low sugar. She was driving arratic and she didn't know where she was after the accident, But anyway with full tort you can sue for pain and suffering where as limited tort you can sue just for the limits in your ins. policy. A lot of you say you have full coverage and pay soso. Check your limits and raise them because of some idiot that can cause you alot of problems. Also if you have more that one vehicle with the same ins. co. ask your agent if you can stack them. That means you can sue for double of your lim its.:clap:

I think states set their own insurance regulations. I don't know if that tort stuff you are talking about applies in Michigan. I do know that our motorcycle insurance has additional fees / coverages that aren't required in other states so we can pay more for identical coverage from the same provider as someone in another state.

EDIT: Just looked it up and some states (like Michigan) have No Fault insurance instead of limited / full tort so, in general, there is no suing of the other persons insurance company for damages, pain suffering, etc.

 

[scudrunner]

You should have uninsured and under insured motorist.

Good point. In Texas, we have a lot of uninsured motorist even though you must show proof of insurance to get your tags. Progressive gave me a quote of over $900 without un/under insured. That was $300 more for a total of $1200 a year. Went with Foremost for $480 a year, full coverage including un/under.
Oh, and USAA sent me to Progressive. Thanks anyway.

 

[WackyDan]

Progressive here....

40 year old male... Clean license... $300 full coverage.... and not the minimums.

 

[boborgera]

Picking up a new bike this afternoon [spyders in the shop] added it to my Spyders insurance [foremost]
Full coverage w/un/non] two bikes, Total 520 a year.
Spyder 384$
Kaw 650cc 136$

 

[Sny]

39yo clean record in the Chicago 'burbs
State farm $440/yr

Bodily Injury - $150,000/$300,000
Property Damage - $100,000
Uninsured motorist - $100,000/$300,000
Collision - $1000 deductible
Comprehensive - $1000 deductible
Optional Equip - $3,000
A lot of discounts (multipolicy, accident free, MSF etc.)

Wish it were half that.

 

[obiwanbill]

240$ last year & 220$ this year- full coverage from Rider Insurance

Progressive and USAA wanted too much
(been with USAA for 37 yrs for cars)

 

[Smylinacha]

Geico Cyclguard - for HDX's Harley and my Spyder it's $550 all year long.

 

[woodchuck]

Ins for can am

I think states set their own insurance regulations. I don't know if that tort stuff you are talking about applies in Michigan. I do know that our motorcycle insurance has additional fees / coverages that aren't required in other states so we can pay more for identical coverage from the same provider as someone in another state.

EDIT: Just looked it up and some states (like Michigan) have No Fault insurance instead of limited / full tort so, in general, there is no suing of the other persons insurance company for damages, pain suffering, etc.

That is where you are wrong. PA has no fault in s also. That means that your ins pays for your venicle and their ins pays for their vehicle. That what no fault means. You can still sue for pain and suffering under full tort.

 

[bjt]

That is where you are wrong. PA has no fault in s also. That means that your ins pays for your venicle and their ins pays for their vehicle. That what no fault means. You can still sue for pain and suffering under full tort.

Yep, we have ambulance chaser attornies putting ads up on TV around here. It's just that I've never seen anything here that ties that into what type of insurance coverage you have.

 

[taggtr]

I'm with Foremost and they're hitting me with $1596 for the year. Guess I need to take a safety course to get that knocked down or something!

 

[boborgera]

I'm with Foremost and they're hitting me with $1596 for the year. Guess I need to take a safety course to get that knocked down or something!

:hun:
Somethings not right, tickets/accidents??
New underwriter who doesn't know a SPYDER FROM A SPIDER!!

 

[Fire Joe]

I have Progressive and I am paying $800/yr. for full coverage but that also includes my 08 Yamaha Raptor at full coverage as well.

 

[M2Wild]

'08 SM5 $90 minimum full year basic and $275 if added collision for the whole year. I usually lay the bike up after October and call in to suspend the collision part. Progressive cost me less than $200 for the year on Spyder.

 

[Chikez]

Insurance cost.

I was with Progress for my two wheeler and they wanted almost $2,000 to cover the bike and the Spyder RT. That is more than my big truck that pulls our RV. I contacted Foremost and the two bikes combined were $700 with full coverage, $250 deductible.

 

[woodchuck]

ins for can am

Yep, we have ambulance chaser attornies putting ads up on TV around here. It's just that I've never seen anything here that ties that into what type of insurance coverage you have.

I have ins through markel american at the cost of $580.00 for a year. :2thumbs:
Here is my coverage.
Bodily Injury liability 100,000-300,000
Property Damage 50,000
Passenger liability 100,000-300,000
Uninsured motorist 100,000-300,000
Underinsured motorist 100,000-300,000
Pederstain 5,000
Medical Payments 5,000
I live in Penna.
Comprehensive-Actual cash value
Collision Actual Cash Value
All I am trying to say to you is that if(God forbid)you are in an accident like I was, and you have miminal ins you will come out on theshort:dontknow: end of the stick.

 

[hecoon]

I have Geico but I think this about what I pay too...

09 rs 297 geico fla

 

[Bob Denman]

This thread dates back five years... there's NOTHING in here that will apply to today's pricing! :banghead: