Bikes Winterized, keep insurance? - Chicagoland Sportbikes
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post #1 of 17 (permalink) Old 11-25-2008, 12:41 PM Thread Starter
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Bikes Winterized, keep insurance?

So as my second winterization kicks into gear, I am starting to wonder if I can put a pause on my insurance since I will not be riding for 3 or more months. It would save some $$$ right now in the short run, but I have a feeling that this is frowned upon by insurance companies and would give them a reason not to give me the huge discount after 1 year of service. I have a policy through progressive on the Suzuki C50 and the '75 Honda CB360. What do u all think?
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post #2 of 17 (permalink) Old 11-25-2008, 12:43 PM
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if those items where stolen or destroyed whats the amount of money you would have thrown to the wind?


also are both bikes paid off, title in hand?



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post #3 of 17 (permalink) Old 11-25-2008, 12:46 PM Thread Starter
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Yeah I have both titles, and both bikes were paid in full at time of purchase
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post #4 of 17 (permalink) Old 11-25-2008, 12:51 PM
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How much could it possibly cost to insure those for a year? I don't think you will actually save anything.

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post #5 of 17 (permalink) Old 11-25-2008, 01:04 PM
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state farm doesn't let (me anyhow) you do that you pay for the year and mine is like around 300.

i want to drink, but only to kill a certain few brain cells and i don't care how many i have to take out to get to them.
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post #6 of 17 (permalink) Old 11-25-2008, 01:07 PM
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Originally Posted by bio-nuke View Post
state farm doesn't let (me anyhow) you do that you pay for the year and mine is like around 300.
They will let you cancel if you want but it is stupid. I will start riding in march and usually don't finish till October so what that is 5 months. $300/12*5= $125? Not worth the effort and risk of fire or theft.

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post #7 of 17 (permalink) Old 11-25-2008, 01:14 PM
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how much are those bikes worth?



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post #8 of 17 (permalink) Old 11-25-2008, 01:19 PM
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do what i do and just call state farm and request you use comprehensive only

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post #9 of 17 (permalink) Old 11-25-2008, 01:29 PM
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There is also and insurance coverage labels "storage" that's what I put my drag car under during the winter I'm sure there is something just like that for the bikes. I know I was told that if I cancel coverage for a winter then I go down under being uninsured for the policy when I go to renew it. This raises my next years premiums.

You wanna see my itinerary?
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post #10 of 17 (permalink) Old 11-25-2008, 01:32 PM Thread Starter
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I have a high premium cuz I have a LOT of coverage on the C50 and a lot of personal/bodily coverage.
The C50 is now worth about 6 grand and the CB360 has almost no coverage and is worth maybe $600

Last edited by krukster86; 11-25-2008 at 01:35 PM.
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post #11 of 17 (permalink) Old 11-25-2008, 01:46 PM
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Keep in mind, IL law requires any valid plate/registration to have minimum liability insurance. They could give you grief if yours is one of the one's they randomly check and it's not insured at the time.

I drop my liability down to min and keep just comp (in case the garage blows over or its stolen).
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post #12 of 17 (permalink) Old 11-25-2008, 01:56 PM Thread Starter
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I called em up and the rep. heard my story and gave me bare min liability since that is all she can do for Ill policies. Now my monthly payments of $91 dropped to $35!!!
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post #13 of 17 (permalink) Old 11-25-2008, 01:57 PM
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Originally Posted by GPz1100 View Post
I drop my liability down to min and keep just comp (in case the garage blows over or its stolen).
people steal garages?

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turn the bars left and go right; that just isn't right
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post #14 of 17 (permalink) Old 11-25-2008, 01:58 PM
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Originally Posted by krukster86 View Post
I called em up and the rep. heard my story and gave me bare min liability since that is all she can do for Ill policies. Now my monthly payments of $91 dropped to $35!!!
Ahh see thats why you are getting dry butt fucked by Progressive. State Farm FTMFW

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post #15 of 17 (permalink) Old 11-25-2008, 02:03 PM Thread Starter
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Ahh see thats why you are getting dry butt fucked by Progressive. State Farm FTMFW
State Farm actually was much higher for me when I was out shopping for insurance!
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post #16 of 17 (permalink) Old 11-25-2008, 02:05 PM
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Originally Posted by krukster86 View Post
State Farm actually was much higher for me when I was out shopping for insurance!
You gotta be doing something wrong, person after person here will tell you that State Farm is generally the less expensive choice if you have a car policy with them.

Ian
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post #17 of 17 (permalink) Old 11-25-2008, 02:07 PM Thread Starter
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State Farm is generally the less expensive choice if you have a car policy with them.
key words: "IF" and "CAR"

negative on both
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