You didn't say what your paying for insurance now.
I have to believe that a C14 (2010) is worth at least 5K.
Do you have only one bike?
Do you ride year round?
Could you raise your deductible to save some money?
Good questions.
I'm paying $534 per year now for 3 bikes, but two of them are liability (and under/uninsured motorist) coverage only. I guess I would save a total of $315 if I dropped collision ($283) and comprehensive ($32) with a disappearing deductible (currently $0.00)..and I ride/have ridden 11 months out of the year.....hmmm......maybe I've answered my own question there.
Still I wonder what they'd pay me if it got totaled tomorrow, that is to say what data base or value listing do they use? I reluctantly agree that it's around $5k since I've recently looked around at prices, before that I was in dreamland thinking it would be around $8.5k.
It's recent devalue in my mind is why I asked this question in the first place, but I guess for $315 I'll stick with it awhile longer. I'm starting to think that my somewhat restored '76 water buffalo is worth more than my '10 C14, now that would be something
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Whatever and whenever, just make sure to get uninsured motorist and the personal injury medical expense rider.
About the personal injury protection (that's what my insurance company calls it), I have fairly decent health insurance so I thought it would be a waste. What am I missing here? Probably something important, but my brain starts to go to sleep and my head starts to rotate like the main bang radar antenna when it comes to insurance and legalese/financial stuff. I can usually understand it if I'm excessively caffeinated but otherwise I'm asleep half way through the first paragraph. Kinda nodding off even n
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