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Saved $672 a year on insurance
Just saved $672 annually on insurance on my 4 Harley's.
Previously had good coverage with Allstate, now have it with American Modern from Jim at motorcycleagent.com
Besides saving $, I have the same full coverage & stacked uninsured motorist coverage, but I also now have full replacement. No insurance company depreciating the bike and not giving me enough to replace it.
Glad I asked him to do a comparison.
Kevin
Can someone please explain the uninsured motorist coverage ? Today they are giving licenses to everybody, some i am sure have no coverage. My coverage was 500 more for uninsured motorist and I think we can stack here in Fl.
https://www.nerdwallet.com/blog/insu...rist-coverage/Originally Posted by Ron1z
Near end of 2 yrs, I may have Jim do ESP, also. Been talking about trading every 2 yrs. Have to wait & see how I feel at 77.
2020 TriGlide Tahitian Teal aka (Hawaiian Hussy). Avon frt & Comfortred rear tires. ProAction frt & rear susp. RZ seat. DK floorboard extension & rear axle retainer kit with EBS, HD pull -back bars. Custom Dynamics front turn signals & Vent grill. All ,HD "Edge Cut " accessories.
It is best to call your agent or your insurance carrier directly. There are variations between companies and best to get the information directly.
Yes Uninsured and Underinsured coverage can be expensive on motorcycles. Most states require the insurance company to pay before your health insurance, which results in a big risk=higher premiums.
Consider Medical Payments or Personal Injury Protection for coverage--no requirement for another party to the accident.
Sent Jim a PM .. maybe he can help me too ...
ultrafxr gave a good link to an explanation of uninsured motorist coverage.
I was hit about 10 years ago by a truck. The driver was licensed. He had the minimum required insurance ($50k).
He totaled my Ultra, and nearly totaled me with 22 broken bones.
His $50k insurance lasted about 2 days, then it was all used up.
I had uninsured motorist coverage on 2 different vehicles, that was able to be stacked, and it is a good thing...because, while it is called uninsured motorist, it is also UNDER-insured motorist insurance. So when his $50k of insurance ran out, my UM was there to cover the additional expenses.
Kevin
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