Until you're 18, you're not legally able to accept liability. Therefore, you cannot sign a contract or carry an insurance policy, even on a car. If you want to get it now, you'll have to have a relative get the policy and put you on it.

Wonko

 

In most states, it's required to carry liability insurance to ride on public roads.

 

Ah I see. Thankyou.

"MOM~!--..."

 

I'm 17, almost 18...

Had to giggle ... you never hear an older person say "I'm 47, almost 48!".

 

Well, I like to say that I am 37, almost 28!

 

:biggrin:don't ask and I'll tell you no lie!!

 

I'm 49 but my wife says I act 12!

 

When you were in your twenties did you act like you were 5. Just curious because people are starting to wonder if I am ever going to grow up.

 

You don't need insurance unless you own a motorcycle or rent one. If you ride someone else s bike and it is insured, their insurance covers you.

Or at least that's the way it works with cars, right? No one has auto insurance without an auto?

 

You don't need insurance unless you own a motorcycle or rent one. If you ride someone else s bike and it is insured, their insurance covers you.

Yes, unless the person operating the bike is living in the same household as the owner/insured. They would need to be added onto the policy as an additional insured in order to be covered.

Note: Some cut rate insurance companies will insure youthful drivers and cover your car or motorcycle if you lend it to someone, but the coverage will drop down to the state minimum (here is Ca it is 15/30)...even if you carry higher limits.

That means, if you carry 100/300/100 limits and you lend your vehicle (or insure your teenage child) and they get in an accident, the coverage could only be 15/30/10. Check your policy. It's kind of a dirty little secret they don't tell you about when purchasing a policy.

Surfy (Former insurance salesman)

 

motorcycle insurance can not only protect others uninsured coverage or underinsurd coverage is very important in case someone hurts you and the have little or no insurance

 

Guys,
how much do you spend for insurance and registration in CA and other states? Here in Quebec it is about from 600 to 2500$ (super sport) per year for insurance only. The registration is:
125 cc or less $244.55
126 cc to 400 cc $377.55
401 cc and over (regular)* $633.55
401 cc and over (high-risk) $1 425.55
Keeping in mind that we drive only 8 months from April till November, these expenses are total **** and robbery

 

In Michigan, insurance rates will vary depending on age, driving record, type of bike, desired coverage etc. etc.
Registration is based on value of the vehicle.
I pay about $200 a year for ins. and $38 a year for registration.

 

thanks for reply. $200 + 38 -- this is a heaven. I need to live and ride in USA

 

Check your state, I am sure Cali requires it.

I used to live in Washington, and it actually doesn't. The only reason you need insurance is if your bike is financed and the bank requires it. I didn't ride street then so I don't know how it affects traveling in other states.

 

$238...ehh....even thats stiff for my area.

Ive got tons of motorcycles....liability insurance 100/300/150 runs me $75 per bike per year.....doesnt matter if its the 1975 Honda CB550 or the 2001 Ninja ZX6.

Registration is $10 per bike.

So $85 a year.

My Victory Vision is the only bike this varies.

I have full coverage on it.....costs me $250 a year. The registration on it is $20 a year. So $270 total.

You Canadians are regretting flat hosed.

 

I paid less than that, but I ride a cruiser, I'm over 30, and I get discounts for being an AMA member and taking the MSF class.

 

I pay $192 a year for full coverage insurance and all motorcycle registration in Iowa is $20, no matter the age. (My car and truck together are $580 to register a year.... so it evens out)

I have a 2008 R6

Aaron... some of your bikes are only $10 to register? I thought all bikes were $20 here!

 

Aaron... some of your bikes are only $10 to register? I thought all bikes were $20 here!

I think it has to do with year.....I have quite a few older bikes.....they were all $10. My Vision is a 2008, it was $20. My 2006 Kawasaki was $10.

So the cutoff MIGHT be 5 years old....just a guess.

 

I'm a 19 year old male on a 1983 honda shadow 750.


Costs me 37 a month for insurance. In 2 years it'll drop to 13.78.

 

Insurance, at least here in NJ, is dependent upon driving record, but more importantly for motorcycles, how long you have had a motorcycle license. Back in '91 I decided to change insurance companies and when I explained I wanted to insure my CB-750C Honda, the agent assumed I had bought the bike as a mid-life crisis event. He told me the insurance on bikes was quite high for new riders. I explained I'd had a motorcycle - and license - since 1962. Suddenly I was offered a policy for $88/year.

 

Um, you guys are taking in hundreds of dollars right? Like by $200/year you mean $20,000? Just curious because I know my brother's camaro is just a little under $200/month and I figured motorcycles would be more. I'm in IL by the way.

 

No. I am 17 with a 1999 CBR 600 F4 and my insurance is $184 every 6 months, that's liability WITH MEDICAL.

 

Yeah I have no idea the value of the Camaro......so I cant factor that.

My Vision was $24K new.

The BMW was $10K new.

I have a couple tickets on my record, Im 31 years old.....and 2 accidents in the last 3 years.

I have a half million dollar umbrella policy covering the new bikes.

The "older" bikes have 300/100/100 limits.

 

Looking and have another question for all who ride. I came across AXA Pacific Legends Insurance and up to this point pay betweem 8 and 900 a year for everything,collision the whole shabang. These guys (legends) is gonna charge me $435 for a year with a 5000 Km range a year or pay 150 if you are gonna ride more than 5000 kms. This seems like an awesome deal but I am wondering if anyone has heard anything about this Pacific Legends. It just seems to good to be true.

 

I tried looking around for any complaints or such on the internet and couldn't find them. I don't think we have a whole lot of members outside of the united states that regularly post, but if your lucky you'll find someone who has used them.

Here is the website http://www.axa.ca/

 

Thanks for the quick reply DevRev.

 

Up here insurance varies a lot based on bike/location/driving history/etc/etc

I've never heard of AXA before.

kstiles, what bike?

I had my 88 Virago insured through TD molleche Monnex for $35/mo (only pay that for 7mo/year for PL/PD.

The Wife's 09 Ninja was a bit more, about $50/mo... Right now I'm paying $200ish/mo for a 2008 Suzuki C109RT(brand new, just a hold over), and a 2011 Ninja 650R both with all perils. I've had my license for just over a year, wife has had hers for just under a year, and we both have rider training courses.

 

Insurance rates are based upon "rideable days" so in snowy places like up north we have less "rideable days" so lower rates, where down south you might have maybe 2-3 weeks worth of really "bad" weather, and a few weeks of rain, so you would have more "rideable days". At least this is how it was explained to me.

I got my license in 08, first bike in 11, one speeding ticket, one accident at fault, and I live in CT. I pay $125 for the year for my bike insurance, and registration was $100 (i think, new reg. and good for 2 years). Also I'm 24, for reference.

 

In looking for a new bike recently to co-own with my father, we found some interesting things about insurance rates. Its not just what your insuring, its what else you own.

If you own a house, multiple vehicles, recreational vehicles, you are now "worth more" than someone who rents an apartment and owns a bike and a car, so you need more coverage so someone can't sue your ass to the street if anything were to happen.

Our new quote for my 85 250cc, and if we purchased a 2012 Royal Enfield 500cc bike is just over $800 for the year. $700 for both of us on the new bike and just over $100 for both of us on my bike. This is also going from a 25k/50k coverage to a 100k/300k or higher plan (dont remember exactly). This is also quoted before we took the motorcycle safety class which we will be doing later this summer.

 

Insurance on my Moto Guzzi was 400 euros a year, and on my Sportster it's 1400. When I asked my agent why the big jump, he said "because nobody's going to steal a Moto Guzzi".:frown:

 

Peepers is right.. up here they kinda pro-rate my insurance and rate me for 7months a year, but I'm actually covered for all 12, even though I only pay during the main 7 months.

 

1992 Honda Nighthawk CB750 through progressive for $72.00 year. When I received the quote, it was broken down in basic package (minimum coverage, no collision), medium level (high coverage, still no collision), premium (high levels with collision). Basic and middle where exactly the same price. I wounder if anyone sees this and still chooses the basic package.