Insurance rant

[motorn]

I live in Manitoba Canada. I just checked what my bike insurance will be this year. No collision,no theft basically my plate on the back......$1620.00. If I was to put full coverage I'd be over $2000.00. If I could ride more than 5 months out of the year,I could almost except that, but this is getting crazy in my part of the country.Because its classified as a sport bike they really make it expensive. The worst part is there are no other options for insurance here. The provincial gov't has the monopoly on it.
Anyone else pay sky high premiums?

[FJmonkey]

Move to the USA dude, but you have to deal with all the other crap......

[markmartin]

My motorcycle insurance (liability only) is about the only insurance I've got that seems reasonably priced.  Around $120 if I recall correctly.

[SlowOldGuy]

I pay less than $200/year for the state required level of liability coverage (no comp or collision) on my '85 and '93 FJ and '02 FZ1.  That's for all 3, not each.

DavidR.

[big r]

What year is your bike? I live in B.C. and we have govt. run insurance as well. I have a collector plate on my bike(86 FJ) and my ins. is only 225 dollars a year. Do they not have a similar thing in Manitoba. I can also put a declared value on the bike, which I did . Set it at 3500 and that is what my ins. costs me.

[rktmanfj]

My policy costs $212 USD per year, but it's full coverage ($500 ded), includes any trailer I might have it on, and roadside assistance.     

[racerman_27410]

progressive ins.   liability only.... 126.00 per year for both the FJ AND my drz400sm

[movenon]

Ouch man!  My insurance is 75.00 per year and registration is 31.20 of which I need to pay now that it is 2013.... No annual inspections or any other stuff required.
In Idaho if you are under 18 then you have to wear a helmet. Over that you are on you own. Personal responsibility, novel concept.

[93fj1200]

I know what scams the insurance companies in Canada are.  My last time in Canada was $650 for just liability (only type of insurance possible for my 93FJ) through Jevco.  There is another company out there that is cheaper but you must have three years of uneventful Canadian insurance first.  Being out of the country so much makes it difficult for me to use that option, but thankfully, here in Panama, it is only $62 a year for liability coverage.

If anyone does go to Mexico or farther south, you can buy insurance at the borders.  Buy online if possible and shop around for Mexico.  Sanborn is the most expensive.  But if you are daring, you do not actually need insurance in Mexico.  When you enter the other countries, they will tell you if you need insurance or not.  I remember that I had to pay for insurance in Costa Rica. (cheap) and Panama ($15/month if you buy at the border)

[musicman]

I have liability on mine, it's just over $100 a year for me.

[motorn]

I valued the bike at $2000. It is a 1989 in mint condition. I should have mentioned,they do have a time payment option.But the bulk of the payment is only made over a 5 month riding period.So $1620 divded by 5 = .The rest of the year we pay about $10.00 per month. I figure if I get pulled over the fine will be $200.00 if I don't register it.So since it isn't insured anyway,only a plate on it   .....Wait what I'm I saying,that would be illegal

[airheadPete]

State extortion legal, ah... Poor grasshopper. That's why THE LAW carries those big sticks. Mine run about $100 a year each on average, none of them expensive enough to have a declared value IMO.

[rktmanfj]

FWIW, my insurance company just notified me that the annual premium just went from $212 to $145 (full coverage).     

[jscgdunn]

$285 in Alberta...just liabilty...if it is broken we mend it.

[Tiger]

  Grrrrrrrrr...my renewal just came in the other week...$816.00 a year for BASIC insurance for an old fart on an '85 FJ Clean license, no accidents...COME ON!!!

I don't mind being F****d but at least kiss me first!!!!!!!!!!!!!!

John.