Could anybody direct me to a source for insuring offroad motorcycles. My homeowners won't do it, neither will my auto. I am mainly interested in theft insurance so I'm not completely screwed if they get stolen.
I went thru Allstate Insurance ,got the bacis minimum coverage which also covers fire and theft,runs $246 for the year.I do not run with a plate on so when I ride on the road to connect trails I take my chances. If I get caught it is a $35 fine for no plates but $1000 fine and impound of your bike on the spot for no insurance.
I added a motorcycle policy to my auto, without uninsured motorist. Since I only ride offroad this made sense, and I am covered unless racing. I didnt make a point of telling them I am a off road racer and they didnt ask. I use state farm and it costs all of $6 a month for $250 deductable full coverage! A no brainer IMO.
$42/Year for comp and collision. 2001 KTM 250 MXC. Shelter Insurance. They've got my home and auto also, but there's no discounts involved because of that.
Just how much will the insurance company give you if your bike is stolen? I am also looking into insurance for my bike. There are several people I know who would steal my bike and totally trash it. If I get it insured I want to make sure they give me enough money to get a new bike. And if your bike does get stolen, will they only pay you bluebook? Do all your high dollar mods come into consideration? I would like to just have it insured for $5000 so I can at least get a new CR125 if my junker of an XR is stolen.
one of the reasons I went with state farm is they cover all excessories and blue book price of bike. I have had to deal with them in the past on auto stuff and they are great. I was also able to take off the uninsured motorist which was about 30% of the total cost of the policy. I dont know other motorcycle specific insurance companies do the same. I feel much better knowing that state farm is the one I would deal with.