Jamespz03, I get your point that we can't take for granted our insurance coverage is enough. But that sounds a little gloomy. That's like saying we're all predestined to die, and have no say so in what happens afterwards. IMO, that's probably more likely than not. Non the less, I lean towards hedging my bets by being a trifle more generous and forgiving. Fingers crossed, expect little, and hope for the best. After all, that's basically what I do with my insurance when I submit a claim..
To ride or not to ride? What a stupid question!... Anon
I also shop around a month before renewal as here in the UK they always try to rip you off when insurance is due.
BTW I am 72 and still kicking (no dogs or animals though).
I'll definitely give it a shot. I'm 26 and until a month or two ago I had three vehicles in my name to insure and then the wife's one, plus a house.
It ended up being cheaper to split the motorcycle from the other vehicles and one vehicle now has collector vehicle insurance, which coincidentally ended up the same price as the motorcycle for the year.
2014 CB500F White
16T counter sprocket
IXIL hyperlow slipon
Good job you don't live in British Columbia, Canada. The only insurance you can get is ICBC which is run by the state/government, no negotiation or competitive insurance over there.
Some, if not all, states require insurance rates to be overseen and "regulated" by a State appointed Board of Commissioners. Since the Banking/Insurance business sectors are huge campaign contributors and Lobbyist here in the "Divided States", allowed rates seldom have the public's true well being at heart. But, some companies are more generous than others within those set rate boundaries. Insurance is only one of many business segments of our "Free Market"... that are not really free market.
Similar to the UK then, we have various insurers but most are only using one or actual brokers. We have comparison sites who get a rake off if you insure through them. We have regulators run by the government on various things including insurers and (w) bankers. Also get no claims bonus by insurers if you haven't had an accident or caught speeding by the cops and points on your license. Def a free world - not !