Join Date: Mar 2019
Location: Nashville, Tennessee, USA
Anyone care to share insurance $ ?
Quoted ~$2000 a year for 250/250/100k w/ $1000 deductible - seems high to say the least. My carrier is Amica, been with them 40 years with no at-fault claims (the ex got rearended twice if that matters)... 56 y/o with one recent speeding (7 months ago) ticket being the only blemish on my record.
I get the feeling Amica would prefer to NOT be in the motorcycle insurance business.
Uninsured motorist is the biggest chunk, at $550. So I have to pay for the stupidity of others, smh...
Medical is $10k / person, seems mighty low... I gotta research this (deliberately overly complex shite) some more.
I've always been one to err on the side of over-insurance, but I could save $500 a year if I didn't get coverage to pay for repair / replacement of the bike. This would pay for itself in um, 30 years ($500 X 30 = $15,000). Not accounting for depreciation.
Is there such a thing as limited use for MCs? There are really only 10 months of the year I can ride... Once I recall I asked this about one car (with no A/C, so only usable here in Hades !6 months/year) and they said I could "turn off" the insurance several times a year with no penalty (keeping the "laid-up" coverage in case a tree fell or something)... Hmmm
Gawd, I hate insurance companies. I have seven cars and I pay as though I could actually be driving all of them at once. It's such a racket. A savvy insurance rep could haunt these type forums and make a killing!
Also, any input on experiences with ins companies is appreciated. Amica has been excellent the few times I've had to deal with them. Home and auto.