| Author | Message | ||
     Buelldr |
Just wondering, I understand they pro rate insurance for the winter months because most people do not ride during those months. But does everyone else pay their insurance during the winter or drop it and pick it back up in the spring? | ||
| Boogiman1981 |
i pay yr round but then again i ride year round too... | ||
| Albert666 |
i keep paying it, you never know when the sun might come out  | ||
| Reducati |
"you never know when the sun might come out" TRUE DAT!!!  | ||
| Dannybuell |
Albert666 - Yes, as the years roll on I have noticed that it seems to take me a bit longer to recover from the hypothermia. | ||
| D_adams |
Gerbing heated gear. I rode to work 2 days ago, 27 degrees out when I went in. My agent told me not to drop it because they raise your rates if you do it every year. They quote a rate assuming you won't ride much in the winter months, so I squeeze every little bit out of mine if I can. I think I'm only paying $500 a year for full coverage. | ||
| Usanigel |
If its paid for then you can drop and pickup the insurance, not sure if you will save much. If its not paid for then you are required to keep it fully covered till paid for, this is asked/demanded for by the finance company. | ||
| Spank |
I have State Farm, and they have like a hibernation deal during the off months. Still has some insurance, just limited. I have to tell them when to stop full coverage and when to start it back up. | ||
| Buellmojo |
I pay for my motorcycle insurance once a year, and that covers me for the entire year. I save quite a bit of money this way. On another note I pay our auto insurance every 6 months, instead of monthly, again a substantial savings is awarded doing it this way... Just a heads up for something everyone might want to check into and consider, it never hurts to save some cash. | ||
| Buelldr |
well i was debating dropping my insurance this winter because i know i wont ride again until probably april maybe late march. whats the thoughts? **that saves cash too** lol. | ||
| Buellmojo |
If you are not going to ride for a few months, and the motorcycle is stored safely,free from unfortunate mishaps...you should probably drop the coverage and pick it back up when you take it out of storage...I would think that would make sense, at least to me anyway. | ||
| Pgh_biker |
In Pa where I live if you drop your insurance you are required to send in your license plate. Then you have to wait to get it back in the spring when you start up again. I just checked into "Rider Insurance" and they have some pretty good prices | ||
| Smit3833 |
I Ride year round and am therefore insured year round. My boat however, is in a 6 month lay-up period during winter since I'm rebuilding it. | ||
| Kenm123t |
Winter Hmm here winter is when its finally cool enough to ride in the day time! | ||
| Brumbear |
I pay $350 a year full coverage on 1125CR | ||
| Freight_dog |
I had a buddy who dropped his insurance on his bike. He was trailering it and it came loose and ended up down a ravine, totaled. The short version of it is, I guess he was screwed. I am sure my homeowners would cover mine for the winter, but canceling it doesn't seem like it is worth the hassle. | ||
| Jgarner99 |
Brumbear - Who's the carrier that gives you full coverage for $350/year? | ||
| Buellmojo |
Try Geico $268.00 a year for my R. | ||
| Xodot |
I had a buddy who dropped his insurance on his bike. He was trailering it and it came loose and ended up down a ravine, totaled. The short version of it is, I guess he was screwed. { In this case his truck insurance will cover the loss to property being transported in the truck. It's no different if your lap top on the back seat is destroyed in a crash. | ||
| Nillaice |
havent paid it off yet, so gotta keep full coverage on the 1125. on the odd chance the weather is dry and less chilly than the usual VA winter day, i keep the 9 up to. dec 26 '07 it was sunny and 70. i had put the bike in the spare bedroom, and didn't want to finagle it out of the house just to put it back in when the weather returned to its usual drab | ||
| Brumbear |
Rider ins. | ||
| Gpb |
I've always paid for full year coverage, because I use the bike continuously. Having just purchased a 1125R I was particularly pleased to be offered a very advantageous rate thanks to a special agreement between HD Italy and an insurance company: it is 30% cheaper wrt the rate I'm currently pay for my 650 Suzuki V-Strom | ||
| Tippster |
"Try Geico $268.00 a year for my R." Yep - ~$350 for mine and I live in DC - more expensive than the suburbs. | ||
| Chameleon |
What kind of coverage do you have? I'm paying about $135/mo to Sentry, but I have the best coverage they offer. | ||
| Buellmojo |
Chameleon, The coverage I have through Geico is full coverage, but probably not nearly the limits you have for $135 monthly....Give them a call or go online and compare coverages between the two. I think I get a multiple motorcycle discount too, but I am not 100% sure on that? (Message edited by buellmojo on December 26, 2010) | ||
| Court |
>>>>What kind of coverage do you have? That's the key. I pay Geico $125/mo but have the highest limits they will write for a personal policy. I think there is a multiple discount but I'd have to check as well. Geico also has some way to handle it in the winter. The S2 Thunderbolt, fully insured, in Colorado does nothing but sit and get started periodically and the Ulysses is put up for the year. | ||
| Xl1200r |
I'm paying about $135/mo to Sentry, but I have the best coverage they offer. Holy cow. I have middle-of-the-road coverage from State Farm for my car (quick, sporty car and I'm still young) and two bikes, and my total bill is only $30 more than just for your bike. | ||
| Buellmojo |
If you carry full coverage auto insurance through State Farm, their motorcycle coverage is hard to beat. State Farm also rates their motorcycle coverage by engine displacement and year, again if you carry full coverage auto with them, not by the classified type of motorcycle...sport bike, cruiser, sport touring etc. etc. categories, as most insurance companies do...At least that is how it was when I had coverage with them back in 1995. | ||
| White79bu |
Check out rider insurance at rider.com . I just switched to them from state farm. I was paying $800 a year and now I am paying alittle over $300. They are a motorcycle company and will cover me when I do track days. That was my number 1 thing when looking for insurance. It's been awesome so far. | ||
| Chameleon |
Rider.com looks great; wish it was available in Washington state...
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