I live in Michigan and currently have w/. Unfortunately, they only offer an annual rate at 0.00. Living in the midwest, I only ride the bike for 5 to 6 months if I’m lucky. Do you know of a reputable carrier that offers monthly or 3 to 6 months coverage??? Its ridiculous to pay for an entire year when I barely ride for half. Thanks!

 

  • David 9:02 am on March 29, 2010

    I live in Michigan and would never use Progressive. They are the most expensive and average 1.3 law suites a day!

    Land and Air does both 3 and 6 month policies for motorcycles. I have been with then for 3 years.

  • dougness86 9:02 am on March 29, 2010

    HAHAHAHA I live in BC Canada and pay 230 A MONTH. Even with a flawless record and 6 yrs experience

  • Michael 9:02 am on March 29, 2010

    230 per year? Smile and be happy you have such great rates. Many riders can only pray for such good rates. while you may only use your bike a few months a year you still have crazy good rates even for the time you use it.

    Enjoy your rates and stop wasting your time trying to save 10 cents.

  • JV 9:02 am on March 29, 2010

    No, you have to have year round coverage, gaps in coverage will cause your rates to be higher. You need to have coverage in case anything happens during an off time. You may be able to find a company that has lower rates for 6 months.

  • remmycool 9:02 am on March 29, 2010

    I can’t believe I’m even reading this.

    I live in Ontario and just bought an old motorcycle and I’ve been quoted at between $2100 and 3700 for liability insurance only. That is, if I wreck the bike or break my leg they don’t pay a dime. And it’s not even a sport bike. It’s a 1983 touring bike with 450cc’s. I’ve heard of teenagers paying $1500 just to ride a scooter.

    The reason they charge you the full year is because they get more consistent payments that way and it’s easier on you. They know you won’t be driving in January, so you don’t pay for January. But your payments are lower if they spread it over 12 months instead of 6.

    If you got a 6 month policy, you’d still pay (about) the same total cost, except the monthly payments would be twice as high.