scottb Posted November 29, 2009 Report Share Posted November 29, 2009 Make sure you have an updated (current) card indicating you have valid insurance for your motorcycle. I am heading out for a quick ride and I checked my insurance card. I have insurance all year round, but the actual card to keep in the wallet was 2 years old. I figure it is a nice day and late in the year, the LEOs might be out giving extra attention to motorcyclists today. Also, check your car insurance card too. I am planning on riding river road, then stop in Chagrin falls. I'll be on my 1982 GS 850 L, since Jayson L bought my Katana. Quote Link to comment Share on other sites More sharing options...
Gump Posted November 29, 2009 Report Share Posted November 29, 2009 thank you..That reminded me to switch my insurance to comp only for storage. Quote Link to comment Share on other sites More sharing options...
Likwid Posted November 29, 2009 Report Share Posted November 29, 2009 thank you..That reminded me to switch my insurance to comp only for storage.Can't have comp only on a motorcycle I think, Ohio requires liability limits for valid registration.You can, however, always re-evaluate your limits and deductibles.Just my opinion, doesn't represent any company I work for, and I am not a licensed agent or a lawyer. Quote Link to comment Share on other sites More sharing options...
SJC1000rr Posted November 29, 2009 Report Share Posted November 29, 2009 I did it for years of only comp for winter with low deductible till i changed to state farm. If your not driving it, no need for collision. Just comp in case of theft or fire. Quote Link to comment Share on other sites More sharing options...
DLN1223 Posted November 29, 2009 Report Share Posted November 29, 2009 Liability is only a requirement when you're operating the motorcycle.Comp only is fine for winter storage / off - seasons. Quote Link to comment Share on other sites More sharing options...
Gump Posted November 29, 2009 Report Share Posted November 29, 2009 Yep...Mines about $25. Geico calls it the "winter program" I also got a sunny day discount because they know i live in Ohio and don't get to ride as much as them southerners. Quote Link to comment Share on other sites More sharing options...
kawi kid Posted November 29, 2009 Report Share Posted November 29, 2009 yep take it down to bare min durring the winter! Quote Link to comment Share on other sites More sharing options...
Likwid Posted November 29, 2009 Report Share Posted November 29, 2009 Liability is only a requirement when you're operating the motorcycle.Comp only is fine for winter storage / off - seasons.There's a difference between Comp only, and storage policies. To maintain Ohio registration you must comply with the FR laws Financial Responsibility Requirements To comply with the FR requirements, Individuals must maintain one (1) of the following: A motorist liability insurance policy. Insurance cards are issued by an insurer to the policy holder for each motor vehicle insured under a motor vehicle liability insurance policy;Typically to get a Comp only policy you have to state the vehicle use is "Long Term Storage" this isn't 4 months of the year, if you keep swapping between Comp only and a full policy you're LIKELY eligible to be dropped from some insurance carriers since it's gaming the system.I'm not familiar with Geico's Comp only policies, and I couldn't find anything about it on the website. Gump, could you send me a copy of your dec page or the policy contract? I'd love to see what they have, I have my MC insurance with Progressive but Geico was about the same rate.As always, my opinion is my own, does not represent the company I work for. I'm not a lawyer or an insurance agent. Quote Link to comment Share on other sites More sharing options...
Gump Posted November 30, 2009 Report Share Posted November 30, 2009 Sure. I can send it when i get it. They are calling me back tomorrow. I get a $53ish credit also. Quote Link to comment Share on other sites More sharing options...
Likwid Posted November 30, 2009 Report Share Posted November 30, 2009 Sure. I can send it when i get it. They are calling me back tomorrow. I get a $53ish credit also.Note, you don't have to answer any of my questions btw.Are you with an agent? It sounds like it since you mention them calling you back.I'm very interested in hearing about the program Remember BIPD limit in Ohio is 12.5/25/7.5 and uninsured motorist is not required... reducing all policy limits to minimum and keeping Comp/Coll is super cheap with almost all carriers... I know my policy won't go lower than $95 if I set those limits (particularly UM)Here's my policy summary, coverage, limit, priceAs you can see, UM is 33% of my premium (note I reject UMPD because Coll covers you there). Even though I have health insurance I keep medpay because it should help to pay for things like life flight and other various crap...2004 KawasBODILY INJURY & PROPERTY DAMAGE LIABILITY $27.00 BI $100,000 EACH PERSON - $300,000 EACH ACCIDENT PROPERTY DAMAGE LIABILITY - $50,000 EACH ACCIDENT MEDICAL PAYMENTS $2,500 EACH PERSON $19.00COMPREHENSIVE $500 DEDUCTIBLE $11.00COLLISION $500 DEDUCTIBLE $57.00ACCESSORY COVERAGE $3,000 INCLROADSIDE ASSISTANCE $10.00 UNINSURED MOTORIST PROPERTY DAMAGE - REJECTED Premium by Vehicle $124.00 Policy Level Coverage Uninsured/Underinsured Motorist Bi $55.00 $50,000 Each Person - $100,000 Each Accident Total Policy Premium $179.00My own opinion and policy, I am not an agent or a lawyer. Quote Link to comment Share on other sites More sharing options...
Likwid Posted November 30, 2009 Report Share Posted November 30, 2009 Just double checked, $95 if I reduce and reject Quote Link to comment Share on other sites More sharing options...
Gump Posted November 30, 2009 Report Share Posted November 30, 2009 Nope. Just Geico. The branch that would actually change it over was closed. Quote Link to comment Share on other sites More sharing options...
jporter12 Posted November 30, 2009 Report Share Posted November 30, 2009 Hey Likwid, can I PM you a ? I have?Back OT, I have Progressive, and they "say" the rates factor in the seasonal nature of riding in Ohio, and I think that's why they bill by the year as well. Quote Link to comment Share on other sites More sharing options...
Likwid Posted November 30, 2009 Report Share Posted November 30, 2009 Hey Likwid, can I PM you a ? I have?Back OT, I have Progressive, and they "say" the rates factor in the seasonal nature of riding in Ohio, and I think that's why they bill by the year as well.Yah, but remember I can't offer any advice outside of just another consumer/biker Quote Link to comment Share on other sites More sharing options...
scottb Posted November 30, 2009 Author Report Share Posted November 30, 2009 I am a progressive customer, they used to offer a policy with 9 month on and 3 month off for the winter. Progressive cancelled that policy option, and now it is all year round. I have not price shopped Geico or Foremost insurance for insurance policies. Quote Link to comment Share on other sites More sharing options...
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