Originally Posted by T/C

The card just gives them your information... They run it every time...

Originally Posted by timmaayy2323

I agree and I am talking about Motorcycle insurance here not car!! ... im 20 years old insurance isnt cheap i have my indorsment but if i have a stunter and i can pay 50$ for the card just to have it if i get pulled over and there no way for them to look it up and see if its expired or not i want to do that.... really liability covers me hitting another car.... thats it...

Originally Posted by Towlieee

depends on the state

in missouri who are they gonna run it with, it isn't on record.

Originally Posted by Towlieee

It covers you hitting ANYTHING, a driving car, a parked car, a building, a fence, a person.

You're 20 years old, so liability alone should run what, $200-$400 a year?

If you can't afford that, how do you plan on paying to fix someones car if you hit them?

Originally Posted by Towlieee

It covers you hitting ANYTHING, a driving car, a parked car, a building, a fence, a person.

You're 20 years old, so liability alone should run what, $200-$400 a year?

If you can't afford that, how do you plan on paying to fix someones car if you hit them?

Originally Posted by jebova2301

+1..21 with 1 speeding ticket on record. i pay 219 a year for liability. i will happily bay that, because I know if i hit a car or something, it will easily cause a thousand or 2 grand in damage. stop being a cheap *** and just get the insurance.

think about it this way. i can save 220 a year by not buying insurance. now if i hit a car and cause 1000 in damage, that was nearly 5 years worth of insurance that i could have paid and not worried about it. next they are going to fine me on top of that, and that will be a pretty hefty fine.

riding with no insurance is like using the pull out method with sex. its all great until an accident happens and she gets pregnant. then you will wish you had it.

Originally Posted by timmaayy2323

750$ a year..... im 20... can u see why i want to just buy it and get the card then cancel it... does anyone no if they can run it in ohio?? i no its dif from state to state....

Originally Posted by timmaayy2323

750$ a year..... im 20... can u see why i want to just buy it and get the card then cancel it... does anyone no if they can run it in ohio?? i no its dif from state to state....

Originally Posted by T/C

Mine was about as high as yours... Not sure why some people can get it so cheap but i called everyone and the cheapest i could get was around 800 a year... I just sucked it up and paid though

Originally Posted by jebova2301

again, get in a wreck and they find out it isnt legit and all that money you just save got more than pissed away.

and i just keyed in a 2003 r1 for insurance on progressive and it came up with 241 bucks. now that doesnt take into account any violations that you have had. If your record is clean, i STRONGLY suggest you go to a different company



it all depends on how many violations you have had and the severity of them. location also plays a small part in it too

Originally Posted by T/C

I had never had a wreck or a ticket And everyone i tried quoted me about the same

Originally Posted by Yamaha32088

You might injure or kill the person you hit are you gonna be able to pay $350,000 to the person you injure. A car pulled out in front of me on the highway i had a passenger on the back with me I shattered my right forearm, broke my color bone and had to spend a week in the hospital and had over 100 staples and 40 stiches was out of work for 6 months lost feeling in my right arm and left chest lost range of motion in my right wrist. The girl broke her shoulder, her collar bone and had a collapsed lung my medical bills were over 270,000 dollars. Would you want to try and pay that out of your pocket for the rest of your life when the person sues you because you didnt have insurance? Or would you rather have the insurance company get sued to recover loss of wages, medical expenses, pain and suffering, etc? Insurance protects your *** big time in the event of an accident where someone gets severely injured.

Originally Posted by T/C

Ahh my bad i was speaking from texas



And here in texas the best deal i could get was 800 a year when i was 20 perfect record no speeding tickets or wreaks...

Originally Posted by Scott982

It's way cheaper than that. I have had a bike since I was 15 and never paid more than $150 a year for liability, even with a fucked up driving record. Progressive has always been the cheapest for me when all I need is cheap liability coverage.

Originally Posted by Danger_Dave

if you keep all that money in a savings account over the years instead of giving it to an insurance company you would theoretically be better off because you could deal with the person you hit and deal with the body shop directly and not have to worry about the insurance company trying to stick it to you and deny your claim or raise your insurance afterwards, and if you never hit anybody, then you would have those thousands of dollars for yourself to keep. mandating someone to buy something just because there is a possiblity they will need it doesnt seem very just to me, plus they ticket you heavily for not buying it, which is like extortion and its wrong. its set up as a vicious cycle to where its precisely calculated the cost of having insurance vs. getting caught and paying the ticket, so this keeps insurance companies and the cops, and the state all in a constant cash flow and i would have to think this goes against everything our founding fathers of this country intended. i have been driving/riding since 16 and i'm 26 now, so at an average cost of $1,000 dollars a year i couldve saved 10 grand. someone who finances cars and pays full coverage on them thats my age couldve saved 20, maybe 30 thousand dollars. and if you should happen to hit somebody theres no way it costs that much to fix their car. and people shouldnt be able to cry "ouch my neck" and try to screw you, the cops and ambulance should slap them in the face.