What should I pay for insurance in Mass?

[snib]

I'm purchasing a brand new V-strom next month. I haven't decided between a 650 or a 1000. What should I expect to pay for insurance in Massachusetts?

[tmcgee]

I'm purchasing a brand new V-strom next month. I haven't decided between a 650 or a 1000. What should I expect to pay for insurance in Massachusetts?

It depends on coverage. Betsy Lister has several excellent tutorials on bike insurance in Massachusetts.

HIGHLY RECOMMENDED READING: http://www.listerins.com/

I've got my 650 pretty much maxed out with medical and bodily injury coverage. I also have 4 points on my driving record for expired inspection stickers - that makes me a bad driver?

Anyway, with a $1,000 deductable, my premium is $1201. It was about $1600 with a $500 deductable.

[dmf109]

my premium is $1201

Thanks Tom, I don't feel so bad now about my new premium :-P

[tmcgee]

Thanks Tom, I don't feel so bad now about my new premium :-P

I could get the premium down under $400 if I didn't want any actual coverage. In this state, bike insurance is written on the same form as car insurance but the coverage works in a very different way.

If you're in Massachusetts, you gotta read Betsy Lister's tutorials.

I love this one:

Coverage #2: Personal Injury protection, another compulsory coverage, hereafter known as PIP; note that there is no PIP Coverage while you are on your bike. Meaning that, the minute you position yourself on your motorcycle, the PIP goes out the window!! Yes, even while you're stopped and not moving; even if the bike is locked, you are not covered under the PIP portion of the policy. You are however, covered if you are standing beside your bike and someone knocks the bike over on you, or you walk away from your bike and are hit as a pedestrian. You'll note that the premium charged for this coverage is much less than the charge for your automobile. The limit available is $8000; and I don't recommend taking a deductible here, the savings just isn't worth it.

[dmf109]

I could get the premium down under $400 if I didn't want any actual coverage. In this state, bike insurance is written on the same form as car insurance but the coverage works in a very different way.

If you're in Massachusetts, you gotta read Betsy Lister's tutorials.

I love this one:

Coverage #2: Personal Injury protection, another compulsory coverage, hereafter known as PIP; note that there is no PIP Coverage while you are on your bike. Meaning that, the minute you position yourself on your motorcycle, the PIP goes out the window!! Yes, even while you're stopped and not moving; even if the bike is locked, you are not covered under the PIP portion of the policy. You are however, covered if you are standing beside your bike and someone knocks the bike over on you, or you walk away from your bike and are hit as a pedestrian. You'll note that the premium charged for this coverage is much less than the charge for your automobile. The limit available is $8000; and I don't recommend taking a deductible here, the savings just isn't worth it.

Ok, now I don't feel so good :(. The only way I can get my premium down to $400 is with a sex change and start wearing a habit and live in one of those churches in your pics. I wonder if a nun would ride a Vee or a Wee?

[tmcgee]

Ok, now I don't feel so good :(. The only way I can get my premium down to $400 is with a sex change and start wearing a habit and live in one of those churches in your pics. I wonder if a nun would ride a Vee or a Wee?

Out of my $1201 full-year premium, $948 is for optional insurance. $392 is for property coverage (like the bike loan) and $556 is for medical coverage. The 4 points cost me $119 on this policy and about $300 on the cah policy.

Sister Bridget would probably ride an LT bmw and Sister Agnes is a Harley girl. Sister Mary couldn't handle a Vespa.

[jackpiner57]

Ok, now I don't feel so good :(. The only way I can get my premium down to $400 is with a sex change and start wearing a habit and live in one of those churches in your pics. I wonder if a nun would ride a Vee or a Wee?

Her premium is only three Hail Mary's and an Our Father.:D

http://i75.photobucket.com/albums/i291/jackpiner57/TheNun.jpg

[tmcgee]

http://i75.photobucket.com/albums/i291/jackpiner57/TheNun.jpg

Ahhhh, Sister Boom Boom!

[jackpiner57]

Ahhhh, Sister Boom Boom!

I should have known! You actually know her?:D

[tmcgee]

I should have known! You actually know her?:D

...just like a penguin in bondage.

[GooseYArd]

I used Betsy L. and was totally happy. They like people with bikes.

[Firefly]

Speaking of Betsy Lister, she puts out a great Ezine.
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Bill H.