the cost of Motorcycle Insurance

The premium quoted above ($263) is for a 12-month period from August 2008 - August 2009

The coverage we have is:

Liability $25,000 per person and $50,000 per indicent for bodily injury, and $25,000 for property damage

Personal Injury Protection (Kansas no-fault coverage)

comprehensive with a $250 deductible

collision with a $250 deductible

uninsured/underinsured motorist coverage for $25,000 per person and $50,000 per incident

The service we receive from our local agent was very good.

She explained the available coverage, including the fact that Personal Injury Protection is not required on Motorcycle Insurance, but if we don't carry it and my husband lays the bike down, he wouldn't receive any medical benefits from the policy and wouldn't receive any pay for time off work. So, as dangerous as motorcycles can be, I think this is very important coverage. And with the low rates offered by our carrier (about 1/2 the price of quotes from other carriers) we decided to accept the medical coverage. Plus, with the money we saved, we were able to afford comprehensive and collision coverage for the bike.

Motorcycle insurance cost varies significantly depending on what company you go through, so definately shop around. Also, it's a lot cheaper if there are no single male drivers under age 25 in your household. Who woulda thunk it?