I have had a few blemishes on my record, some tickets and an accident, but my state requires full coverage on a bike that is not paid in full, what are your suggestions??

 

  • Insuranceman 8:01 am on February 22, 2010 Permalink

    Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of bike, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

    The best thing to do is call a LOCAL independent agent. Don’t go across town, or to some other city – look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

    An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

    In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in motorcycle insurance. Some of the companies to look for are Progressive, Dairyland, AIG, Foremost, American Modern Home and Pacific Specialty.

    Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I’m sure that when you do, you will find some impersonal computer user with a script to work from and you won’t be able to talk with the same person every time you have a problem!

    Good luck, ride RESPONSIBLY and I hope this helps!

  • New one 8:01 am on February 22, 2010 Permalink

    First of all understand when you have a lien on anything car, truck or bike. A lien "not paid for" the bank requires you to have Full coverage or they can repo it on those grounds. But for your Question Gieco or AIG are the bigger names with may mean lower rates. Good luck hope you find what you need.