1. Eldon

    Eldon 950 ADV

    Joined:
    Dec 24, 2004
    Oddometer:
    521
    Location:
    WA
    Like my dad always tells me when I'm being a tightwad "nothin's expensive if it works". And that definitely goes for insurance. I do pay $120 for a weeks worth of insurance from Baja Bound when I ride in Baja and I think I'm going to splurge this year and get the evacuation policy just in case I need to be air lifted back to the US.
    #21
  2. shiningocean8

    shiningocean8 n00b

    Joined:
    Feb 21, 2011
    Oddometer:
    4
    i have foremost insurance and pay 300 a year. i crashed my bike last summer about 60 miles south of burns, or. the insurance paid for the tow to burns, $500.00. fortunately i didn't break any bones but the insurance paid for an ambulance ride, and my visit to the hospital. they paid for a motel room, dinner, bus ride to bend, and a one way car rental back to seattle. bmw said they would tow my bike to idaho for repair but if i wanted to get it towed anywhere else i would have to pay. the insurance adjuster had it towed to portland and paid the $1200.00. i also got my helmet replaced. it took a little time to get all the money but i needed time to heal. i am glad that i had the insurance.
    #22
  3. Handy

    Handy Sunburnt

    Joined:
    Sep 17, 2011
    Oddometer:
    1,666
    Location:
    The great state of Idaho
    I tried that last fall, after the moron on the phone finally figured out where I was she told me she could get me towed to Carey, ID, I tiny town in the middle of nowhere. A lot of good that would do me, so I cancelled my worthless roadside assistance.
    #23
  4. everycredit

    everycredit Been here awhile

    Joined:
    May 14, 2012
    Oddometer:
    272
    Location:
    Tacoma
    Please don't chastise me for not having insurance on my motorcycle; that's what I'm trying to rectify right now. :)

    I'm justing looking for a good deal where I'm going to get good service if I ever have to use it. I had e-surance for auto insurance and they sucked for claims, so I don't care how cheap they are if they don't pay up when you need them. Essentially I was paying them for an insurance ID card that I could have made in MS Word.
    #24
  5. effensteve

    effensteve Enjoying the ride

    Joined:
    Feb 10, 2010
    Oddometer:
    764
    Location:
    The far east (of Oregon)
    I've never paid more than 150 a year for full coverage. That includes coverage for the replacement of the bike and up to 1200 in farkles in my case. I missed a wash out in the desert at about 50 mph, did 2200 in damage and progressive cut me a check for the repairs, including shop labor. They didn't care if I did the work and pocked the cash or had the shop do it. Best 150 a year i can spend.
    #25
  6. trailrider383

    trailrider383 867-5309

    Joined:
    Jan 12, 2008
    Oddometer:
    3,455
    Location:
    NP, ID

    I don't remember you missing it. Actually you centerpunched the bottom of the wash. Pretty accurate hit. If you would have been going 80 maybe you would have missed it. :flip
    #26
  7. effensteve

    effensteve Enjoying the ride

    Joined:
    Feb 10, 2010
    Oddometer:
    764
    Location:
    The far east (of Oregon)
    thanks for the reminder
    #27
  8. dhally

    dhally Hammerhead

    Joined:
    Feb 18, 2006
    Oddometer:
    2,451
    Location:
    Kennewick, WA
    The only experience I had was filing a comprehensive claim for trail riding damage. They fixed my bike after the deductible, then took away my accident-free discount on all our cars! Moral of story - don't bother to get comp/collision if its a cheap bike.

    Never had to file a liability or medical claim.
    #28
  9. Cap'n Ron

    Cap'n Ron The Devil's Advocate

    Joined:
    May 23, 2006
    Oddometer:
    526
    Location:
    Puget Sound, Washington
    They didn't reimburse me for the $20 I gave the old hippie prospector that gave you the ride into French Glen in his old beat up Monterro! :p3rry :lol3
    #29
  10. DRONE

    DRONE Dog Chauffeur

    Joined:
    Oct 1, 2007
    Oddometer:
    4,183
    Location:
    Chambers Bay, WA
    Progressive.

    One collision claim--it was a total for about $6500.

    One collision claim--it was like for $2000.

    One UM/UIM claim--I got paid $125,000.

    Sweet, clean, easy every time. And my rates did not go up. Great company.
    #30
  11. everycredit

    everycredit Been here awhile

    Joined:
    May 14, 2012
    Oddometer:
    272
    Location:
    Tacoma
    I'm sure there's a thread about the UM/UIM claim?
    #31
  12. everycredit

    everycredit Been here awhile

    Joined:
    May 14, 2012
    Oddometer:
    272
    Location:
    Tacoma
    I'm wary giving out financial information, so I apologize for asking: what are some rates you are paying for insurance?

    I was just quoted from Progressive:
    $75/year for base liability (25k/50k/10k).

    $493/year for full coverage (collision, comprehensive, under/uninsured motorist) with $500/deductible.

    This is for twelve months of coverage.

    Is this within line of you or is it way off?

    Thanks!
    #32
  13. shiningocean8

    shiningocean8 n00b

    Joined:
    Feb 21, 2011
    Oddometer:
    4
    didn't i pay you back for that? glad that guy came around.
    #33
  14. Cap'n Ron

    Cap'n Ron The Devil's Advocate

    Joined:
    May 23, 2006
    Oddometer:
    526
    Location:
    Puget Sound, Washington
    I'm sure you did, it was just a funny side note. That old geezer sure was reluctant to provide ground transportation though. :lol3

    I just renewed my State Farm policy for the 3 bikes to the tune of $467/yr with full coverage on 2 of them.

    :freaky
    #34
  15. Nessman

    Nessman Cluttered Minimalist

    Joined:
    Feb 3, 2004
    Oddometer:
    1,921
    Location:
    Everett, WA
    :ear I'm shopping too, forgive the thread ressurection.

    Same quote I got...I could spend all day on the interwebs looking for a better quote or I could just let y'all give me the skinny (since you've done the hard work) :deal
    #35
  16. Mr Dual Sport

    Mr Dual Sport Roamer

    Joined:
    Apr 23, 2011
    Oddometer:
    2,018
    Location:
    Weiser Idaho
    +1
    I have liability, comp,(in case the bike is stolen) and personal injury, all for under $200 a year. Most the cost is from the personal injury part but it paid, with no hassles, for my knee when I injured it.
    #36
  17. caslaw

    caslaw Pig Wrestler

    Joined:
    Apr 29, 2013
    Oddometer:
    52
    Location:
    Portland, OR
    Please read info at the links below (OR/WA - Motorcycle Accidents). The most important insurance is UM/UIM. You need to insure yourself if you ride a motorcycle!
    #37
  18. chokozip

    chokozip Been here awhile

    Joined:
    Aug 29, 2006
    Oddometer:
    211
    Location:
    Princeton Minnesota
    Another thing to think about.
    Can you afford to replace it if it has been stolen?
    Way back in 97 I had a brand spanking new CR250.10 hours on it and one morning its gone.Bastard even took the side standand and paddle tire.
    Total loss $7200 bucks.
    I still have the title but it has never turned up.
    Insurance is cheap Take it from someone that learned first hand why you have it.
    Geico is treating me right.I have my coverages maxed and 250 deductable.Towing and there trip assurance thing.I also have a writer for each bike at 4k per bike.Three bikes =$60 a month.
    Cheap.

    Sean
    #38