Anyone care to share insurance $ ? - Ducati Supersport 939 Forum
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post #1 of 27 (permalink) Old 03-19-2019, 01:47 PM Thread Starter
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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.
Thanks,
Tom
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post #2 of 27 (permalink) Old 03-19-2019, 04:05 PM
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State Farm, 46 year old, no accidents, no tickets, 150k/300k/150k coverage is about $380/yr full coverage with a $1K deductible on collision.

The amount of factors that go into insurance are staggering; apples to apples is almost impossible but know I have searched around for years and as much as they bug me at times I cannot find a lower price than State Farm if you have car insurance with them as well.
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post #3 of 27 (permalink) Old 03-19-2019, 04:45 PM
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$636/year, multiple discounts, 100k/300k/50k, 100/k/300k, full coverage, $500 deductible, Progressive.53yrs old, no accidents reported with bike.
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post #4 of 27 (permalink) Old 03-19-2019, 07:21 PM
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I pay about what @Miweber929 does for very similar coverage also from State Farm.
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~David~

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post #5 of 27 (permalink) Old 03-19-2019, 07:24 PM
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$450/yr for 3 bikes. Only liability and comprehensive in the event a bike gets stolen or an act of God, $750 deductible. Having 3 bikes makes the idea of a loss less risky, because I still have something to ride if I crash one.

Personally, if I were gonna have full coverage, I'd only insure it for the first 3 years of owning a new bike, then drop collision coverage due to depreciation. After that, I'd be willing to fix the bike on my own dime if I crashed it. By then there will be used parts on the market to help with some of the cost, and I can do the labor myself.
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post #6 of 27 (permalink) Old 03-19-2019, 09:00 PM
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Quote:
Originally Posted by 1uglybastard View Post
Personally, if I were gonna have full coverage, I'd only insure it for the first 3 years of owning a new bike, then drop collision coverage due to depreciation. After that, I'd be willing to fix the bike on my own dime if I crashed it. By then there will be used parts on the market to help with some of the cost, and I can do the labor myself.
For me the full coverage question is how much money do I feel like walking away from if it gets destroyed to the point itís unrideable so say it catches fire, and Iíve seen that happen, itís a total loss. Iím my mind thatís usually when the value gets around the $5k-$6k area and right now both my main bikes are above that level. For the $200 or so a year it costs for full coverage here, it can be worth it.
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post #7 of 27 (permalink) Old 03-19-2019, 09:52 PM
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Quote:
Originally Posted by Miweber929 View Post
State Farm, 46 year old, no accidents, no tickets, 150k/300k/150k coverage is about $380/yr full coverage with a $1K deductible on collision.

The amount of factors that go into insurance are staggering; apples to apples is almost impossible but know I have searched around for years and as much as they bug me at times I cannot find a lower price than State Farm if you have car insurance with them as well.
Location is a factor also. Iím with State Farm at 250k/500k/250k 41, clean record, 20plus yrs motorcycle experience and paying $600 at 1k deductible.
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post #8 of 27 (permalink) Old 03-19-2019, 10:57 PM
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Under 30 and my 150k/300k/150k coverage is about $1900/yr full coverage with a $1K deductible when I just added my second Ducati it only went up 68 bucks. Progressive Cali
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post #9 of 27 (permalink) Old 03-20-2019, 12:11 AM
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I pay about what @Miweber929 does for very similar coverage also from State Farm.
State Farm here, as well. Only have the SSS insured by them...the house and carz are insured by another company who dropped motorcycle coverage in 2005. Age 64 (Really? I'm sixty-facking-four?!?), no tix or accidents in 30 plus years. $452/year full coverage. Interestingly, my 2015 Hyperstrada with State Farm, same coverage was $335/year. I think my agent was overjoyed to see the word SUPERSPORT when he quoted the new beauty in May, 2017. haha....
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post #10 of 27 (permalink) Old 03-20-2019, 12:29 AM Thread Starter
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Originally Posted by Ventura17SS View Post
State Farm here, as well. Only have the SSS insured by them...the house and carz are insured by another company who dropped motorcycle coverage in 2005. Age 64 (Really? I'm sixty-facking-four?!?), no tix or accidents in 30 plus years. $452/year full coverage. Interestingly, my 2015 Hyperstrada with State Farm, same coverage was $335/year. I think my agent was overjoyed to see the word SUPERSPORT when he quoted the new beauty in May, 2017. haha....

So many good replies here, but I gotta say, re the "sixty-facking-four", I totally agree; feel ya; empathize, whatever. I thought I'd be well dead by now, and I am having a whole 'nother load of fun. Like one of my favorite quotations: "The older I get, the less a life sentence feels like a deterrent"....


But seriously, why were they overjoyed? ABS? haha. And BTW, I drove a million documented miles in my career with no "reportable incidents"... Do they even take THAT into consideration? (no)...

/rant off
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