Motorcycle Insurance

by Jen

I just passed the MSF Basic Rider Course. I need to get my license, which will be the easy part. After that I need to figure out what I'm going to do when it comes to insurance and purchasing my first motorcycle. I don't know a single soul who rides, so I am all alone in the dark a little bit. My instructor mentioned that joining the American Motorcycle Association would allow me to have insurance at about 40 bucks a year. Are any of you familiar with this? If that is true, then what is the catch? I heard insurance is typically over a hundred bucks a year other than that. Also, I haven't the slightest clue when I will actually be purchasing a motorcycle...hopefully sometime this summer. So, would it be best to get insured right before I purchase a motorcycle?

Comments for Motorcycle Insurance

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Jul 09, 2010
by: Aili

I take it you don't own a car?

Keep some money set aside when you buy your bike for insurance and registration. When you buy your bike, you'll get the VIN # and you can call your car insurance co. or call around for rates. You'll have to have a VIN before you can get quotes.

As a "mature" driver, my insurance isn't much. Also, my bike isn't really worth a lot. I have my auto, life, and renter's insurance with the same company. I got discounts for having it all together, and a discount for taking the Rider's Course.

PS: Don't use Allstate - they take FOREVER to settle claims (should you ever need to).

Jul 01, 2010
by: Sandra

My insurance agent drives her own Harley, so she is very well-versed in bike ins! You need a vehicle to insure, and you need ins to drive the vehicle home...so I guess you do your shopping for a bike, get a quote on ins, and call the agent from the dealership?

We cover both our bikes (HD and Suzuki) for about $400 per year - the HD is twice what the Suzi is to insure; there are discounts through many ins companies for MSF course completion; some others give additional discounts for clubs such as A.B.A.T.E., although the membership dues eat up the ins savings...

Funny though, my car ins is through "Harleyville" and my Harley ins isn't... ??

Jun 05, 2010
Just did this.
by: Anonymous

I had quotes lined up before I purchased the bike. In Kentucky, they won't sell you the bike without proof in insurance. I went through Progressive, I'm not sure if that was the best way to go or not. But I'm like you, I don't know anyone who rides. Unfortunately, being a new rider, insurance is going to be higher. After you have a few years under your belt the premium will/should drop. But this time, I'm at about $450 per year. But I may check out the insurance company you listed, for next time. I'm paid up for this year.

I would have the bike I wanted quoted. When you decide, the dealer will hold it for you to get the insurance lined up. They'll give you the VIN and you'll be all set.

May 28, 2010
by: Toolie

I don't know about NY, but here in California, you cannot drive off of a lot without having insurance.

Seems you're stuck in a chicken and the egg situation cause you can't get insured without having the VIN to the bike you're going buy and you can't buy a bike without insurance. I'm sure your dealer can get you insured - if only for a week or so, until you find your own.

Good Luck!

May 25, 2010
Bike Insurance
by: Anonymous

I would buy the bike first, then go get your insurance.

May 25, 2010
Re: Insurance
by: Jen

Will a local dealer help me with purchasing a bike and insuring it as well? I really don't know much about motorcycles...and I'm afraid that someone will pick up on that and take advantage of me in other words.

May 25, 2010
by: Lynn - SW FL

Depending on the year and model of bike, will depend on the cost of insurance. My 2002 Yama VStar 1100 is around $96 a year, full coverage. My girlfriend's 2008 1100 Harley Sportster is $400+, per year. I use Progressive Ins. via my local dealer. I suggest using an agent who is experienced in insuring motorcycles to get the best coverage. Shop around.

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