Getting Insurance?

Conspiracy nut? Reality: You do not have the right to drive. You have the opportunity to obtain a legal means to drive on State and Federal roadways base on skill in a state mandated test. You must provide the state the means by which you will fix what ever you break in the event of an accident. Self-insured people exsist but in most cases most cannot afford to self-insure. That's where insurance companies come in. Insurance is a BUSINESS FOR PROFIT. "Rate of return" my a$$. When you walk into the McDonalds do you ask what your rate of return is when you buy your meal? Rates are charged and risk is spread over a vast number of people. In the most basic sense: you travel the roadways illegally in you state to stick it to the man. Then you expect people to understand that you think insurance is a rip-off because of the "Rate of return". So, when you slam into a bus full of nuns or school kids and a few people go to the hospital. You just remember when you're sitting in jail that those kids parents can pay the bill because insurance is a conspiracy and your too damn nuts to see that the state just wants to make sure that the bills get paid in the event of an accident.

insurance is a game and you do need to keep your nose clean. A couple years ago I had one accident and I couldn't get anyone to insurne me. Even now at 41 years of age and over 20 years of riding experience and many MSF class and track days I still get asked $1200 a year for a new "HyperBike" but on a Ducati 999 I'm only $300 a year.. When asking my agent "why" I was told that the demographics on bikes of a high end nature shows they simply are not wrecked like the Japanese Crotch Rocket Suicide Machines. Next time you see some kid doing a trick wheelie down the freeway or something going warp speed stop and thank them for screwing up your insurance. Don't get me wrong, I love watching stunting and going fast but everything has its place and it's NOT on public streets! Take it to the damn track.. The anti bike sentiment is growing..people in CA now have to get permits to allow them to ride on there own land and laws in europe are trying to outlaw bikes.. We need to start policing ourselves gang..

What part of "FOR PRIFIT" don't you understand? The state says comply or risk your license. Why? Because any vehicle can be involved in an accident. If your too bullheaded to understand that in a free market you (the consumer) are responsible to find the coverage you want then too bad for you. Liability coverage on most things is very affordable. It's the Comprehensive and Collision coverage that make the rates high. Remember, the coverage is initially there for others not yourself. If you buy liability coverage and wreck and other vehicles are invoolved then all others are fixed. You want your own car or bike fixed and you have the wisdom to buy Comp/Collision coverage then your sh*t gets fixed too. But don't think that the system is a rip off unless you really understand how it works. I pay $325 a year for my BMW K bike but I pay $800 for the same coverage on a 93 mini van. Which vehicle is worth more? Your damn right the BMW is. The van is old and the exposure isn't worth the bill but it's my only 4 wheeled vehicle I own so I pay based on the fact that if it totals out tomorrow I'd at the very least get something back. So, I put it to you longride- drop your coverage to the minimum the state allows and ride for around $45-$110 annually for your bike to be square with your state. Or shut up and pay the premium knowing that the insurance company will come through in the event you total your ride.

"If the state can force me to have it, then they could force the insurance companies to provide it, and at a reasonable cost."

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Nothing in the constitution gives you the right to drive. Driving is a privilege, insurance and owning/leasing a vehicle is the price of admission.

If you're paying high rates as a result of your actions, buck up and take the responsibility. It's not the cop's fault, it's your own fault. This is a consequence of actions you decided to take.

So maybe you didn't do anything, you're a perfect driver but your rates are higher because of your age or bike. Well, that's the price you pay for having so many inexperienced or hot-headed people either your same age or purchasing the same bike. Sure, you can't do anything about other people, but you can choose a bike in a different insurance class and/or find out what you can do to lower your premiums by talking to your agent. The payoff is that as you get older, your insurance gets cheaper so that same thing that you're complaining about will benefit you later when you're in a group of less crash-happy riders or have a bike in a different class. Maybe it sucks to have to pay for other people's mistakes, but it would suck even more if you had to do that your whole life... If you want to live in the sort of world where everyone is equal regardless of their actions, maybe you should move to a communist society.

If you're the type that has a bunch of tickets, then I think it's perfectly legit for the insurance companies to charge you more. Maybe it will make you think about it next time you're out on the street and potentially put another person at risk, even though that's hardly their motivation. The fact is, if you're out there breaking laws, then you're in the group of people more likely to end up in an accident. And the insurance company is more likely to have to spend money on you or your bike.