Insurance

[mymaster]

Insure separately?, bike then cars, or all together? Their all do for re-insurance and was wondering if a separate bike company would be a better way to go, first time insuring this way. Thanks

 

[OZZY]

state farm......... u have to insure ur vehicle to get the bike insured but they have the cheapest rates going in most cases....... 22yo/04 busa/06 g6 gtp coupe= $170/month. $67 just for the busa.

 

[Turbo-Torch]

Try and get your home owners through the same company too. More you have the bigger the discount. State Farm is simply the best.

 

[chrisjp]

state farm hands down

 

[mymaster]

Can't afford full coverage

, will this work

 

[Turbo-Torch]

No offence but that's one of the most pathetic policies I've seen. Hit a person and all that 25K will cover is their ambulance ride and 1st hour in the trauma ward. Coworker was out on his Hardley when a kid in an S10 hit him. In the grand scheme of things his injuries were minor...mainly a crushed foot causing 6 months off work. Kid in the S10 had a $100K policy. Coworkers medical bills were something like $120K. Then there's the $25K for the totalled bike. And let's not forget 6 months off work which was another $50K+. Oh and then pain and suffering (he won't say what he got)! That kid is probably in it for at least $200K out of pocket. Coworkers insurance company now OWNS that kid.

That $10K property damage won't be of much help either if you cause damage to anything better than a Kia or Daewoo.

Don't skimp on insurance, cover yer azz. It's a sue happy society.

I've got full coverage with $300K, $300K, $300K with a $1K deductible. I pay exactly $300 a year through State Farm on my 2 year old Busa. It goes down every year, when it was brand new I think I was paying a little over $400.
Right now I'm thinking long and hard about upping it to $1 million.

 

[Dennis]

I have State Farm on my Busa only. They didn't require anything else, and it turns out that having my cars with a second and third company and my house with a fourth gives me the best coverage with good companies for less than putting them all together at any of them.

 

[rOtuN]

I'm with USAA (ex military) and full coverage costs me $255 every 6 mo.'s. Yeah, my buddy on the GSXR-1000 'bout #### when he heard it was partly due to the busa being labeled a "sport-cruiser".