My thoughts:

On my two older bikes, I only have Liability insurance. This is important becuase if I crest a hill and practically kill someone, then I won't go bankrupt when they sue.

On my Raptor, I have full coverage ($200). This was important becuase I do not have $7K replace it if it was stolen.

When I got my insurance, there was two ways to quote it. Based on CCs or based on HP. Make sure a stock 4-stroke is quoted on actual HP. The displacement rates were based on 2-stroke power (just think of the power of a 660cc 2-stroke!). The listed 38hp from Yamaha got me a quote about 1/2 as much.

100000/300000 sound like the max limit. You can lower the rate by lowering that liability number.

$100 deductable - you can also lower your rate by getting a higher deductible. $100 is usually the lowest deductible and carries the highest rate.

 

i am 18 and i have t pay $780 a year for full coverage. i have had 2 tickets. it sounds like i am gettin ripped.

 

hey thanx for the tip skramblr, i think ill leave my coverage the same but ill have to run that HP thing past my insurance man!