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[rockyhd]

I have had alot of different companys over the years. I have Rider Insurance company now and they are the cheapest out there they cut my cost in half.I have a 09 CVO Ultra and I pay $385.00 a year and that is for $48,000 in coverage. There phone number is 1-973-258-9500 or www.ridewithrider.com.

[tazmun]

I have had alot of different company's over the years. I have Rider Insurance company now and they are the cheapest out there they cut my cost in half.I have a 09 CVO Ultra and I pay $385.00 a year and that is for $48,000 in coverage. There phone number is 1-973-258-9500 or www.ridewithrider.com.

Great rate, BUT what's you liability and deductible? I know here in Wisconsin you can insure
the bike for whatever you want, and it's cheap, but liability, uninsured motorist, and medical
makes up most of the premium.

[Unbalanced]

How many bikes cost you $1800/yr?, and what are your limits?

4 bikes full coverage 100/300 with 100 uninsured with anywhere from 5k to 10k in addons to the bikes.  cost is just under 1200.00 a year saved me 1800.00 annually by switching to Allstate.

[tazmun]

4 bikes full coverage 100/300 with 100 uninsured with anywhere from 5k to 10k in addons to the bikes.  cost is just under 1200.00 a year saved me 1800.00 annually by switching to Allstate.

Good rate, for Florida!

[VaEagle]

There are many variables to consider, first is how much insurance to get. This link has a good article that talks about the amount of insurance every bike rider should carry :
http://www.motorcycle-usa.com/793/8740/Motorcycle-Article/How-Much-Motorcycle-Insurance-is-Enough-.aspx?WT.i_e_dcsvid=1579448013

Then you have to be careful with "teaser rates" that get you with a company and then after a couple of years they jack up the rates. As a general rule the more insurance you carry with a company the cheaper it can be in the long run such as car insurance,bike insurance, renters/homeowners, and maybe even life insurance from the same company.
Rates will of course vary due to policy holder's age, driving record and location of the policy (is it a high theft or accident area?).

[Badger Mike]

It's not the rate you should be worried about, it's the coverage.  Saving a couple of bucks on insurance doesn't make you feel good when you have a CVO, with an additional 4-5k of upgrades on, and your insurance company doesn't cover it!

Makesurewhoever you do business with in this area has the ability to respond to what you have into your bike, not what the NADA says it's worth!

[grayghost731]

this is just a question ? CVO or  special edition  To me it would seem safer not to list after market parts on your bike     Kind of like old classics most people think there worth more with original parts.
So would a stock CVO be worth more as far as the insurance is concerned?

[Badger Mike]

No need to list the parts, but have an understanding of the value of the bike, plus what additional $ you have in upgrades.  Some companies will even give you an agreed amount, similar to a collectors car.  I know I have over $5,000 in options to my CVO, so I have insured it for an agreed amount with the insurance company.  They charge me additional premium annually for the coverage, IMHO well worth the money if the bike is ever a total.

Ask your agent about the ability to do this.  I'll tell you after 19 years in the business, I've never had a client complain about their premium when they get their vehicle settlement on an agreed amount basis

[LovemyCVOgirl]

It's not the rate you should be worried about, it's the coverage.  Saving a couple of bucks on insurance doesn't make you feel good when you have a CVO, with an additional 4-5k of upgrades on, and your insurance company doesn't cover it!

Makesurewhoever you do business with in this area has the ability to respond to what you have into your bike, not what the NADA says it's worth!

I HAD American Family.  I paid extra for a policy that covered my $10,000 in extra parts.  Was hit in the rear sitting in stopped traffic by a cage going 65.  MC was totaled.  Contacted my insurance company and was quoted NADA for my scooter.  I reminded them that I carried a rider that covered all the OEM parts and they informed me that the rider was void if MC was totaled.  Now I ask, why would I carry this rider if it was not to cover parts in case of an accident  .  The agent that sold me the policy tried arguing with the district manager and they told her she was wrong.  My declaration page that came with my policy doesn't say anything about "if mc is totaled you only get book value." I would say I have a consumer fraud case  My lawyer thinks the same thing.  We are suing. MC was totaled June 2011 and we don't go to court until Dec 2012.  My mc is sitting at the Harley Store and I'm still making payments on the darn bike.  So, the moral to this story is:  check with your company and find out what happens if your mc is totaled 

[Hugh Janis]

Everyone is always concerned with their precious bikes in insurance claims but the biggest thing to be concerned with is "underinsured motorist".  Pay the extra $50 per year and bump this little jewel that no one ever tells you about to the state maximum allowable.

The point is, motorcycles do little damage to other people's property but it's not equal the other way around.  If you are involved in an accident with another motorist who only holds the state minimum for liability coverage ($25,000 is not unheard for state minimums) then that's the maximum you can be rewarded in compensitory and punitive damages if you are crippled by someone else.

[bokat96]

I know for me my SESG is 1600.00 annual here in Germany. Take away whatever premium is saved during winter storage and there you have it. I know the minimum limits over here are extremely high. I believe in the MILLIONS of EUROS. Hopefully one of the members here will pop up and give us the skinny USAA just said it will be this much and I said cover it.

[Badger Mike]

Agreed on the American Family policy, btw, your agent has errors and omissions coverage similar to a lawyer or Accoutant, you could always go that route if AM FAM denies your claim.  That's poor customer service, but not all that unheard of if you are with a "captive agent". (works for the company).

Also agreed on the underinsured/uninsured motorist coverage, although that covers only bodily injury and not property damage, which was the intent of my post.  A better way to go is to see if your company will extend those coverages under your umbrella.  Higher limits are available under the umbrella, and often times it's more economical.

[Glide-man]

I had Dairyland also--they were good....my agent found Foremost was a bit cheaper so I changed...just my $.02
[X2. I had a claim with them and the treated me awesome. Very fast and honest. Try Foremost. /quote]

[Big Dog]

This thread makes me sick. It cost me 1800 bucks to ride for 6 months.
 

I feel your pain, when I lived in Alberta (non gov't run insurance) in 2009, $857.00/year for $52 000.00 replacement value, moved to British Columbia(gov't run insurance)  in 2010 it's been $1900.00/year for $36 500.00 replacement value, tells you something about having the gov't involved in the insurance business doesn't it.

[Trapperdog]

In California There is a base rate of $2-3K in extras and 2-3K miles per year which is what our 4 bikes are insured at (1-'07 CVO, 1-'07 SG, 1-'09 DL1000, 1-'09 DL650) ($100K-300K + uninsured)  for $1600. a year.  After seeing this thread again I checked with a couple of Co's stating our REAL yearly milage and addon $ and the cost varied between $3.9K and 4.5K a year. Other US states don't seem to have these outragious milage and add on
costs.