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[Swingshiftworker]

BLUE TONKA previously said:

Okay got an update. Called Statefarm and got a real quote.

Tell me if these figures are good enough:
$50,000/$100,000/$50,000 property/occurrence/person
Comprehensive/Collision deductible: $1000
Uninsured Motorist: $25,000/$50,000

= $126.70/month.

Is that good enough coverage for me? The price is good and I will do it if the coverage is good. He quoted he $108.60 originally but I have 1 ticket under my name (I thought I got rid of it?) That ticket should be gone though since it was 3 years ago.

He also said something about "Motorcycle Rider Protection" which will cost more, but he wasn't sure how much... not even sure what it covers...

I'm with State Farm and I never heard of "Motorcycle Rider Protection" coverage. Ask for an explanation. As for the rest, you could probably do with less liabliity coverage, go with a $500 collision deductible and eliminate uninsured motorist coverage.

Liability coverage is for damage you to to other vehicles/people. Min required in CA is $15K/$30K/$5k. Ask what it will cost for the min coverage and compare the cost with $100k/$300k/$100k. Something in the the middle (maybe $25k/$50k/$25k) would make more sense, given the likelihood that more damage will be done to you and your motorcycle than any other vehicle/person if you're involved in a motorcycle accident.

Any savings in liability coverage could offset the increased cost for a $500 collision deductible, it always seems possible to come up w/$500 but it always just seems harder to come up with $1k when you need to. Lastly, uninsured motorist coverage only covers your medical expenses (up to the coverage limits) if you are injured by an uninsured motorist. So, if you have adequate medical coverage already, you don't need it.

Good luck!