Motorcycle Insurance

[Terry]

I'd go with the minimum legal requirement.

Ditch Comprehensive and Collision; they're horrendously expensive. Just take the chance that nothing goes wrong. At $1,181/year you only need to go a couple of years without totaling the thing to be +EV. Gamble!

You're not going to injure anybody who is inside a vehicle so if the Uninsured Motorist part can be reduced, do it.

Your insurance isn't going to give you any $ for pain and suffering if fall off your bike. If you're going down, try to fall against a Mercedes. [img]/images/graemlins/wink.gif[/img]

[IndyGuy]

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I'd go with the minimum legal requirement.

Ditch Comprehensive and Collision; they're horrendously expensive. Just take the chance that nothing goes wrong. At $1,181/year you only need to go a couple of years without totaling the thing to be +EV. Gamble!

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I echo this.

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You're not going to injure anybody who is inside a vehicle so if the Uninsured Motorist part can be reduced, do it.

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This covers people on his bike, should it get hit by a motorist w/out insurance. In the event that he's at fault, the liability coverage is used.

[wadea]

At least at State Farm, rates seem to go by engine size. I have a 550cc Suzuki (1983) and I pay about $48/6 months in California. That is for basically the minimum legally required liability insurance. I bought the bike for $1000 so there's no way I need comprehensive coverage. BTW, I'm married, >25 and have a clean recent driving record.

My guess is that since your scooter is probably much smaller (in terms of cc's and in terms of vehicle weight) there is less chance of you causing major damage to someone else's property in the event you are in an accident. Thus, if you only have liability, you might expect to pay even less than I do.

Good luck.

[Terry]

A couple years back my brother was involved in a chain collision in NYC while he was stopped at a light.

Someone rammed into the car behind him, pushing it into him, and pushing him into the car in front.

A few weeks later my brother received notice that he was being sued by the woman who was behind him. He called the woman's lawyer and asked why she was suing him.

"You're the only who has insurance."

[mostsmooth]

i can add a couple things. from what i remember about my insurance, i have the minimum coverage allowed and i pay about $700 a year with state farm for a 1000cc bike. i think state farm has the best rates of the main stream insurance joints.

[Villainaire]

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"You're the only who has insurance."



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That sucks.

Get the cheapest insurance possible. You're gonna die when you wreck anyways, so there's no point having to pay more while you're alive.

[*TT*]

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i can add a couple things. from what i remember about my insurance, i have the minimum coverage allowed and i pay about $700 a year with state farm for a 1000cc bike. i think state farm has the best rates of the main stream insurance joints.

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Thanks ms, your input is important since you live in NJ as I do now.

Thanks to everyone else as well.... I'll give you all a trip report the first time I get on the bike.

TT [img]/images/graemlins/club.gif[/img]

[whiskeytown]

gl - had one once and let it go - I had too many folks I know take a bounce that wasn't their fault but bad drivers that ran into them - not worth it to me -

but it makes sense in NYC, I suppose - I wouldn't use a car in that town - LOL.

I need a convertible - some place I can keep drinks, and keep my skin should grandma not look before turning left -

watch yer hide -

RB

[ISF]

What your payting doesnt sound that high to me I doubt reducing your coverage will help that much its not the liability coverage that runs up the tab. I pay 3300 for car insurance in the city with a clean driving record, and was looking into getting a moderatly priced bike and it was gonna add 850 to my bill.

[guids]

Make sure you talk to your current ins agency, as mulit-policy discounts usually get you some money cut. As other said, I would go w/ the bare minumum, no comprehensive, no property damage, 2k deductible etc.