Motorcycle Insurance

[cnc]

Originally Posted by cmchiker

I pay $20.35 a month for my 2002 KW Meanstreak. My husband pays $20.60 for his 2003 Honda VTX 1800 (go figure). With bikes this old, it's hard to justify carrying collision, but we still carry it. It would be bad enough to wreck my bike and if I had to replace it completely with my own funds, that would be devastating. We're with American Family. We were previously with State Farm. State Farm had higher rates but would allow you to drop the coverage in the winter (when you weren't riding the bikes). You could "call in" and add a daily rider for any days that you wanted to ride the bike. But, here in CO, we have lots of good riding days throughout the year - so it wasn't really worth the trouble.

I agree on keeping up the collision. It does not take much these days to write off a bike with the high cost of mostly cosmetic parts, so it is comforting to know at least you will get something should you lay the bike down.
By the way, welcome to the forum.