How much do you pay for motorcycle insurance and what do you consider to be the most important thing to max out?

How much do you pay for motorcycle insurance and what do you consider to be the most important thing to max out?

[–]g-iii 0 points1 point2 points  (4 children)

well my first thing was he may not be riding every day, ha. but yeah generally it is recommended to have it all. except.. i can’t even afford an apartment. i have been struggling since hs grad because i can’t really afford to live in my area. i still have a motorcycle i bring out some seasons and since i can’t afford anything other than base coverage, and i ride an 85 454 ltd (and very responsibly at that) i don’t need full coverage.

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personally, the way i ride, there is a 0% chance of me injuring someone. there are so few
zones with even the possibility of pedestrians, and i never speed or show off. i don’t go too slow, either, i keep with the flow of the area the best i can. when i ride, i do always pay enough attention to never hit something. i’ve been in many, many sketchy situations but have never had even a mild moment of stress because i always had multiple plans. from semis not seeing me and creeping up to the bumper of the car in front of (me but they don’t see me) them, to random lane changes, aggressive drivers (passed on the right by an f350 with a 6” shoulder and oncoming traffic for no reason, the only warning being the sudden roar behind me from the downshift).

sure it’s not recommendable. but to say it’s always irresponsible is foolish. i plan to keep my perfect record forever, through extreme vigilance, the ability to manipulate traffic, and good sight and hearing. if any should fade, i stop riding, simple as that.

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[–]tj_nipple_clamps 0 points1 point2 points  (3 children)

you are an idiot destined to become a statistic.

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you are not nearly as good as you think you are and you’re going to cost someone alot of money with your stupidity.

if you can’t afford to ride, buy a cheap camry and get that insured.

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[–]g-iii 0 points1 point2 points  (2 children)

lol! like i said, my ride (when i do) is almost all back roads. worst i’m going to hit is an animal or maybe if cars are parked all the way across the road, even then i don’t speed, especially don’t take corners fast, and as long as you know what’s in front and behind you… you’re golden. surprises cause accidents, and through being very careful and vigilant, you can reduce their impact to negligibility.

obviously we won’t be able to convince one another, so you’ll just have to trust that i’m not driving insurance up (which, let’s be honest most insurance is a racket anyway- because i do have a 21 year old camry as my daily. and 6 months of insurance cost more than the damn car, which i intend to drive for years…)

mostly, i hate the insurance fucking landscape the us has become. shit is so pointlessly expensive because they’re money grubbing middlemen, and i do what i can to avoid giving them any extra money.

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[–]tj_nipple_clamps 0 points1 point2 points  (1 child)

that i can agree with. insurance is insanely expensive and is a racket. unfortunately it’s a necessary evil in the times we live. i was just irritated because underinsured motorist coverage doubled the cost of my insurance per year. then seeing people say they pay $120 a year for insurance just because they go with the bare minimum, is actually quite insulting. other people have to pay way more because of people that go with the bare minimum.

Read more: Motorcycle Insurance | Desjardins Insurance

granted, you say you’re on back roads, etc… but all it takes is one accident. one lapse in judgment or one car you didn’t see or hear coming. anyone that thinks they’re good enough to avoid any and all accidents, is lying to themselves. even professional racers get into accidents and i can guarantee you’re not anywhere near as good.

i haven’t been in a car accident in almost a decade but i still pay for good insurance because so many other people don’t.

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[–]g-iii 0 points1 point2 points  (0 children)

i assure you even the bare minimum for me is many times that (clean record other than a speeding ticket), so i’m certainly nowhere near 3 digits/year.

as for back roads, i mean there are risks, sure, but i’m going 40(mph). there isn’t a whole lot that can get you to hit it at that speed, even deliberately. racers are, granted, far more talented than me. but they also push themselves to the edge of their capabilities, while i’m putting along at 90% of their alertness. it really is that sure, i make sure i’m in control of the situation.

the people who bother me on the road are those without insurance, those who drive distracted/impaired, and the elderly/entitled.

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Category: Motorcycle Insurance