Just renewed my insurance for the year

[Condor]

I just paid mine yesterday. $498.30 full coverage on two bikes.

 

Yep $750 is about what mine runs on my three Ventures. A $250 average. '99=$200, '04=$250, '07=$300. That's for 100/300 full coverage. I have too much too loose taking chances. One other thing that has been discussed before, but needs to again. Make sure all your policies cover unDER-insured as well as un-insured motorist.. Ask Dan about that one..... Geico by the way...

[stanG]

As those of you from Michigan know, we get boned on insurance here. We're the only state in the country that has mandatory unlimited catastrophic coverage, which by the way, they just hiked that another 10.00 per vehicle per year to 170.00. Sooooo... basic PL/PD on my 83 Venture is around $400.00 per year! arrgh!

 

By the way, Michigan is also the most expensive state to own a car.

 

Any of you Michigan guys know where I can get a better deal let me know!

[djh3]

I could only dream of insurance that cheap, my Venture is $1500, full coverage with collision, spotless record but only had my bike licence for 8 months or so.

 

Insurance, just add it to the long list of items that Canadians get ripped off.

 

 

 

 

Sent from my iPhone using Tapatalk

 

But you get that "free health insurance". LOL

[kevin-vic-b.c.]

Makes no difference the colour of the party or politicians that are elected... they all worship at the cash cows that are "Crown Corporations"

The party that created ICBC was only in power once since. the other party has just milked it.

 

I am $1100 a year with comprehensive no collision.

[The Tooch]

But you get that "free health insurance". LOL

 

Ah! You just nailed it.....that is why our auto/MC Ins. is so high in Canada. If I'm hurt in an accident it isn't the Goverment Health Care System that is going to foot the bill to look after me, it's my insurance company. Now here is the real kicker, the Goverment that says they are keeping an eye on insurance companies to make sure they're not charging us to much. Well the Provincial run hospital see's that it is an insurance company that's paying the bills and you need a band aid for your boo boo. That band aid is going to cost ten times as much, every X-ray, treatment or procedure, anything they can nail the insurance company for, the cost will be inflated. Of course this is the Province trying to recover costs but really, actually, trying to make money.

[Kretz]

But you get that "free health insurance". LOL

 

Despite all the noise to the contrary, Health care in Canada (certainly here in BC) isn't "free" at all

I get a bill every month from the Provincial Gov't & I pay $92/ month (it used to be $132/ month till my pension income dropped) for MSP (Medical Services Plan) for my wife & I to obtain "Free" medical care. That comes out of my after tax income! We also pay $5000/ year for "extended" cover. Anyone who tries to convince you otherwise is talking out of their collective a$$es.

[djh3]

LOL Yea I am kind of aware at some of the health care rules so to speak. I have had a couple friends from up that way and neighbors here in Fla that winter down here. These morons down here that spout off about you alls great health care, try to tell them some of the pit falls. They dont want to hear it. Aint nothing free, your going to pay something somewhere. I'm not saying its not a better system than what these geniuses have come up with here, because I think your folks have had longer to figure it out. To me somehow they need to take out your insurance at same time they take taxes out. If you dont pay taxes, no medical ID card and no services.

[camos]

LOL Yea I am kind of aware at some of the health care rules so to speak. I have had a couple friends from up that way and neighbors here in Fla that winter down here. These morons down here that spout off about you alls great health care, try to tell them some of the pit falls. They dont want to hear it. Aint nothing free, your going to pay something somewhere. I'm not saying its not a better system than what these geniuses have come up with here, because I think your folks have had longer to figure it out. To me somehow they need to take out your insurance at same time they take taxes out. If you dont pay taxes, no medical ID card and no services.

You are quite right, nothing is free. I suspect one of the major reasons why our guvmint vehicle insurance is so high is due to the relationship with the guvmint healthcare system. Any injuries sustained in a crash will be paid by public healthcare, some of which can be recovered from the public liability part of vehicle insurance which is covered by the guvmint not third party insurance which primarily covers vehicle damage.

 

Most of the civilized countries in the world have recognized the overall value of a healthy nation. Your "geniuses" on both sides have come up with two unworkable systems because if there is any opt out clause the cost savings that group health can provide will be lost and their plans will inevitably implode.

 

Healthcare in Canada is federally mandated but run by the provinces. That system is not particularly efficient and is often nonsensical. Not too long ago there was a pregnant woman from Alberta visiting in northern Ontario who had a medical issue that required a mercy flight. If she had been living in Ontario her healthcare would have paid for the trip. If she had been in Alberta at the time of the emergency her healthcare would have been paid by her healthcare. Since she was out of province at the time both refused to pay. That is until there was a huge media storm which induced the two guvmints to come to an agreement about covering the cost of the flight. The same nonsensical division of power is being contemplated by the the current US healthcare proponents. It is most unfortunate that public healthcare has been turned into a political football.

 

There are inevitable inequities in any system, for example my youngest son went abroad for 3 years. After 6 months his his healthcare was no longer valid but he was no longer paying into it so fair enough. When he got back there was a bill for the 3 years premiums he missed in order for him to get back into the system. He had to just suck it up and pay.

 

It very much comes down to a "war" between socialism and capitalism. Unbridled capitalism supports slavery both physical and/or economic. There have been several periods in history when the rich had it all and left the barest minimum for everyone else. That is one of the main reasons why the founding of the USA was such a dramatically good thing for the world. That goodness was in danger of getting chipped away by the slavery issue that led to the civil war and later on the economic slavery in the early 19th century that was ended by the huge union movement.

 

This is another one of those "crossroad" moments for the people of the USA. It will be interesting to see how you all manage to come out of it.

 

Whew, that's a lot of writing. I hope it makes some sort of sense to most of you.

[snyper316]

Ok so I never gave up I kept trying and ended up going back to Geico, Even after paying for a past bill I did not feel I owed, They made the mistake but I had to pay for it. After all that I now have Full Coverage on my Bike, and My truck, All for $125 a month, $50 comp and $100 col on the bike, $250 Comp and $500 col on the Tahoe.:301:So right now a very happy camper to Have the full coverage back on my vehicles. so now to find out what kind of coverage I have on my renters insurance and possibly move that over to Geico too.

[videoarizona]

$662.00 per year for full liability $300K/100K, uninsured, underinsured, theft, comp and collision.

Progressive Insurance....been with them since 2011.

Discounts for 3 scoots, 09 Vstar, 89VR and 05 RSV. Plus riders course, plus being with USAA for banking and home insurance. USAA does not offer scoot insurance but refers to Progressive.

 

No comment on government cr*p, political cr*p and health insurance anywhere....

[snyper316]

$662.00 per year for full liability $300K/100K, uninsured, underinsured, theft, comp and collision.

Progressive Insurance....been with them since 2011.

Discounts for 3 scoots, 09 Vstar, 89VR and 05 RSV. Plus riders course, plus being with USAA for banking and home insurance. USAA does not offer scoot insurance but refers to Progressive.

 

No comment on government cr*p, political cr*p and health insurance anywhere....

 

 

Well I had a lapse in auto insurance is what hurts me. Never heard of Full Liablility I am guessing that would be Full Coverage as you say Comp and Collision. I would be paying 600 for just liability for the year, But it don't cover animals that don't look both ways before crossing the road. And the occasional tornado that manages to make a wrong turn and come thru town or close to town spitting its damned Ice Balls at my stuff...

[videoarizona]

Well I had a lapse in auto insurance is what hurts me. Never heard of Full Liablility I am guessing that would be Full Coverage as you say Comp and Collision. I would be paying 600 for just liability for the year, But it don't cover animals that don't look both ways before crossing the road. And the occasional tornado that manages to make a wrong turn and come thru town or close to town spitting its damned Ice Balls at my stuff...

 

 

Didn't think your part of the country would have rates that high, even with a lapse. I paid quite a bit more when I was in Phoenix. But now I live 30 miles south of Tucson...pretty quiet here.

Full liability means more than the minimum the state requires. Gotta have that around here as people sue at the drop of a hat. Don't want to lose my house and stuff just because an idiot has a better lawyer than I do. I'm to old to start again....

 

Yea, those animals have no sense whats so ever. The deer are the worst....dumb as can be.

[SpencerPJ]

83 Venture, Indianapolis, State Farm, Full Coverage, 250,000/500,000. $295 / yr.

[Mike G in SC]

2006 RSTD and 2008 Goldwing Trike. Dairyland about $450 for the year with raised limits. In South Carolina.

[N3FOL]

I still have 4 months to go before I renew my Insurance. Looking forward to some beautiful summer rides.

[BlueSky]

What really rankles me is that I have a truck, car, and two motorcycles and I have to pay for insurance on all four like I can drive or ride them at the same time. I think we should be writing our representatives to see if they can change this. I'm getting ripped off. The insurance co. argument is that someone else not on your policy could be driving or riding them but that just doesn't flush. That could be prevented by levying a heavy penalty if that happens.

[Condor]

What really rankles me is that I have a truck, car, and two motorcycles and I have to pay for insurance on all four like I can drive or ride them at the same time. I think we should be writing our representatives to see if they can change this. I'm getting ripped off. The insurance co. argument is that someone else not on your policy could be driving or riding them but that just doesn't flush. That could be prevented by levying a heavy penalty if that happens.

 

Dang!!!! Great thinking. Make it a one liability part of the policy, and each extra scoot covered individually for damage..?? The barn could burn and roast all of them at once...? Makes sense to me...

[camos]

What really rankles me is that I have a truck, car, and two motorcycles and I have to pay for insurance on all four like I can drive or ride them at the same time. I think we should be writing our representatives to see if they can change this. I'm getting ripped off. The insurance co. argument is that someone else not on your policy could be driving or riding them but that just doesn't flush. That could be prevented by levying a heavy penalty if that happens.

That is one of my pet peeves. When I get my vehicle insurance one of the questions asked is whether I am the only driver. I have never asked the purpose of that question but would assume it has some bearing on coverage of any accident. If I'm the only driver then it would seem a reasonable approach for the insurance company to allow public liability to cover all my vehicles for the same rate as just one. Then require storage insurance for the vehicles that are not being driven. Collision and comprehensive insurance would of course have to be negotiated for each individual vehicle since their values would most likely be different.

 

Another peeve is that the rate is determined by the cubic capacity of the engine rather than the HP/weight ratio. We all know there are 750 cc engines that develop more power than our 1300 cc engines. There are 1000 cc engines that develop about twice the horse power of our engines in bikes that are around half the weight. That creates a greater risk of accident and should be taken into consideration when assigning insurance risks.

[snyper316]

What gets me is i got hit hard for my Jimmy breaking down.. And I sold it. They tell me well most ppl continue to carry insurance. So how do you carry insurance on a vehicle you no longer have?

 

"Never ride faster then your guardian angel can fly."

[camos]

What gets me is i got hit hard for my Jimmy breaking down.. And I sold it. They tell me well most ppl continue to carry insurance. So how do you carry insurance on a vehicle you no longer have?

 

"Never ride faster then your guardian angel can fly."

Huh!!! No they don't. Hopefully you told them to take a hike and went with a different company.

[SilvrT]

Despite all the noise to the contrary, Health care in Canada (certainly here in BC) isn't "free" at all

I get a bill every month from the Provincial Gov't & I pay $92/ month (it used to be $132/ month till my pension income dropped) for MSP (Medical Services Plan) for my wife & I to obtain "Free" medical care. That comes out of my after tax income! We also pay $5000/ year for "extended" cover. Anyone who tries to convince you otherwise is talking out of their collective a$$es.

 

To add to this, one must also realize that not all things are covered, overcrowding in hospitals exist, and long waits for certain procedures are common.

[SilvrT]

:rotf: :rotf:

I received my renewal notice a few days ago, Cad $1079 (yes you read that right!) & that does NOT include collision/ comprehensive. I have that with a private insurer another $170!

Before anyone says shop around... we can't we can only obtain our 3rd party liability from our Provincial (Read Gov't run) Insurance Corp.

I have a good driving record, but the Max discount I will ever be allowed is what I have now, 43% (& have had for a number of years now) without that discount they advise I would be paying $1904!!! they proudly announce at the bottom of the renewal that My Savings this year are $825!

Oh! & that is with a senior's discount & the vehicle cannot be used for ANY kind of work related use. If it is that costs more!

Every year the company applies for & always gets a 4-5% increase in premiums, we have been told that within the next five years premiums may have to increase by up to 42%!!!!!!!!!!! Have a nice day guys.

 

I remember when I moved from Alberta back to BC (was there for 8 years). I had a car, a truck, and a motorcycle in Alberta. I sold the truck and M/C when I moved. To insure the car in BC it cost me 3 times what I paid in Alberta for those 3 vehicles.

 

At that time Alberta was totally private insurance ... no guvmint (as @camos would say ) insurance.

[snyper316]

This has nothing to do with insurance, but I am fixing to share in your Canadians pain... The liberty company bought empire district electric. They have applied for 35% increase in Kansas and 40% in Missouri. Customers are already struggling to pay the bill as it is. They give us opportunity to voice our opinions to the fly's on the wall behind them.

 

"Never ride faster then your guardian angel can fly."

[snyper316]

Huh!!! No they don't. Hopefully you told them to take a hike and went with a different company.

I did that's when I went to geico. Had state minimum liability with state farm for 167. Everyone was higher except geico.

 

"Never ride faster then your guardian angel can fly."

[slowrollwv]

I paid 489.00 for full coverage on my two bikes with Progressive. I had Progressive on my three cars also but that will end at the end of the month. I was paying 259.00 each month with them. I am going to Allstate for three times the coverage for 167.00 month and home owners for 160.00 per quarter. What I will save on auto will pay for the home insurance.