Do You Need Motorcycle Insurance?

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How To Ride A Motorcycle
how to ride a motorcycle for beginners
Visitors to the DanDanTheFireman Channel should always seek training in person from an accredited training facility. DanDanTheFireman and its owners, assumes no responsibility for information contained on this channel and disclaims all liability in respect of such information. DanDanTheFireman hereby excludes liability for any claims, losses, demands, or damages of any kind whatsoever with regard to any information, content, or services provided, including but not limited to direct, indirect, incidental, or consequential loss or damages, compensatory damages, loss of profits, or data, or otherwise.

[@NotSoKrazee77]

And take that safety course. Progressive dropped $70 off my year for going through BRC1

[@road_king_dude]

I hate Insurance. I hate the very concept of insurance. But by the time I save up to have the money I need to not worry about it I feel like I'll be 80. 😑

[@sh9683]

i like the concept of insurance, I hate the idea of government mandated insurance. anything government touches the prices are inflated 100%

[@thee90kid]

Try insuring you’re S1000RR at 18 😔🇩🇪 guess I’ll have to keep riding dirty

[@MiguelBorgesphotography]

Can you have a motorcycle above 70KW in Germany at 18y?

[@findingneutral]

So I just insured my bike and needed reaffirmation I did the right thing. My main concerns were theft and just totalling my bike. As I was listening and the burglar leaned out of your video I said to myself, yep I did the right thing. 🤘😷👍

[@theguitarhero898]

Progressive here...only $240 a year for my Honda Shadow 750 for full coverage including roadside assistance. Definitely the best, at least in NJ.

[@ridingwithjon3048]

I agree it's a great price. Never had to file a claim though (thankfully)

[@mattmercad0]

I’ve got a question. It’s my first time buying a bike and going through the process. What should I be looking for in the insurance part of it?

[@nicholas3816]

I only pay $164 a year for full coverage on my Vulcan, and that’s with just a permit, not my full endorsement. Progressive has awesome insurance rates.

[@mikebarr1]

So crazy to me that you even have the option hahah. In Canada it is 100% required by law. I had to get proof of insurance and mandatory MSF certificate to even buy my bike from a dealer.

[@jameschristensen1658]

How would you have insurance before having the bike

[@mattmercad0]

What should I be including into my insurance? I’m new to riding and of course the insurance aspect as well. So what do you recommend that I keep on the insurance or add to it? Any help is much appreciated

[@feodiente9460]

Turly appreciate this ...cuz I got progressive and got a collision claim...CBR500r...i havent cried that hard ever....but thankful for insurance...

[@ericchristensen7057]

Hey Dan! What bikes do you have? It would be cool if you did some kind of rundown of your equipment! Bikes, clothes, backpacks. All of it!

[@thatguy358]

Boom already have progressive insurance, when I start riding I’ll just add it on!

[@gsabella4]

My Ninja 300 was $30 a month w/ progressive. Just got a quote for a bike i'm looking at, 2007 XL1200C, $15 a month for full coverage! Not bad.

[@bikecommuter24]

Been with Progressive for years with lots of different bikes. I can say from personal experience they handle claims very well. back in 2012 I got cut off by a drunk driver went down, but I was able to ride the bike home, my claim went smooth and fast, I did help a bit I got a picture of the driver before the cops hauled him off in handcuffs, I got a picture of the car, its plates and vin number plate plus a picture of the scene and me and my scrapes and cuts. I wasn't able to get license or insurance info at the scene he was arguing with cops at the time. The lady whom handled my case was delighted I had pictures of everything. His insurance company tried to trip me up on the phone but I had my facts straight, I got a nice settlement I didn't get greedy just my bills covered and some for my "suffering" I did miss two days of work. I was wearing my gear too, jacket, helmet and on that day I had my road racing boots on, the ones with the extra padding and slider plates. my knee got scraped a bit, now I wear knee armor. So to answer your question in my opinion Yes and its a requirement in most states.Interesting fact New Hampshire and Virginia don't require it, but you are still responsible for any damage you cause. I was also surprised Michigan has the highest costs of insurance I thought for sure California would be it, Michigan has no fault insurance and you are required to have Personal Injury Protection coverage for you and your passengers. I'm doing an article on auto insurance so I have been doing some research, sorry for the long post 😆 BTW I was in a car accident last year it took six months for everything to be finalized, my car insurance is with a different company when that policy expires I'll switch it over to Progressive, there rates are about the same.

[@mikloistheman]

Decided to go extra on mine for injury. Better to have it and not need it and so on.

[@Gersti96]

Hey Dan, I just remembered i wanted to ask you something completely unrelated: do you use ear protection? If so, which ones would you recommend?

[@DanDanTheFireman]

I don't, but I SHOULD. I ride with headphones in sometimes. This would probably be a good topic for me to research

[@djohnson3678]

why would you want ear protection ? if you had that in, then you would not be able to hear anything around you.

[@roberta7734]

@@djohnson3678 ear protection reduced wind noise, but other noises are still loud enough to hear

[@TWOWHEELSONELIFELEFT]

I just fired progressive.

[@oneman1223]

Dude I shet my pants at 3:30 😂😂

[@fernandosuvillaga9848]

Get to it!!

[@Steve-ps2tw]

Go to the IMS show in Dallas!

[@StudioCST]

Short answer, yes

[@ryanmaycock3975]

Progressive wanted 860 bucks for a year. 2018 road glide. Full coverage. Called geico and it was 340 for the year. Added my car to the policy for geico. My payment went up 5 bucks on both. I saved a lot switching.

[@mikebarr1]

Lol come to Canada. I was paying $255..a month.. And dealerships likely won't even sell you a bike until you have proof of insurance.

[@the_wilkini]

Its compulsory to have insurance here in the UK to cover 3rd parties should you be involved in a motor vehicle accident.

[@ENJ4321]

Yep, you need insurance for anything over a 50cc scooter in most states(except Washington state I think, but even then that is just ridiculously stupid to not have it).

[@DanDanTheFireman]

Agreed brah

[@wonderboyrox]

$122/year for full coverage. Hard to beat that. Was a no-brainer for me.

[@no_special_person]

What company is covering your ride?

[@wonderboyrox]

@@no_special_person Progressive

[@user-nd1wv6xs6p]

How I’m getting charged $2,700

[@swiift2k538]

@@user-nd1wv6xs6p yeah, 600cc bikes are giving me around 2,700-3,500. Mind you I am 16 and listed as secondary driver and my dad as policy holder.

[@PureEz]

In Ireland (And pretty much everywhere in EU) it is required to have Insurance before you are able to drive/ride. Is insurance an optional thing in USA?

[@ryanmaycock3975]

Depends on the state. I live in New Hampshire where you do not need it. But if you have a loan on it you do need insurance. But if i take a car with no insurance into Massachusetts thats a no go. Massachusetts requires you to have insurance.

[@Juniorverse]

In Pennsylvania you aren’t leaving the dealership without insurance. You aren’t getting a plate without insurance. And if you try to be slick and get insurance to buy the bike and drop it the next day, Pennsylvania will be alerted that you dropped coverage and will demand the plate back.

[@josephdalton8607]

Everyone go to Harley Davison insurance doesn’t matter what brand of bike you own the cheapest. I went from paying almost 200 a month with progressive. To now paying less that 100 a month with more coverage that what I was getting with progressive! Harley Davidson is for true riders and not into ripping people off. I deal with insurance companies everyday with my work

[@Raiden0831]

Do you go into a dealership to get insurance?

[@josephdalton8607]

No there is a website google it. You should be able to find it

[@mushintao9486]

I dont have insured my old bike ..., but I am going to insure my new one definitely ...

[@ThePowerplay2019]

So im trying to find an insurance that will cover me if say, I the driver has $25000 in injuries etc, what type of insurance would that be?

[@dronus]

Progressive $450 a year.

[@lwsfr976]

Prefer Geico, got more for significantly less $ on my 07 Harley.

[@kendotek9414]

Yes.

[@rondavis3066]

I bought motorcycle insurance for 80 a month. Full coverage. It's month to month. I need something cheaper.

[@DanDanTheFireman]

Ask around brah! Try out Progressive and give them a call

[@ohighogrown]

You should be able to get a discount if you pay it by the year. I got insurance and they offered month to month or every 3 months or 6 months or yearly. My month to month was like 55$ a month, my year payment was 271$ I saved 389$ by paying yearly. I do have Progressive insurance

[@eric4896]

Full coverage that bike! It's cheap through progressive I wouldn't ride without!

[@DanDanTheFireman]

Srs. Get all da coverages

[@josephdalton8607]

Look at Harley Davison insurance.

[@hookahspot8973]

I’ve compared progressive insurance to Harley Davidson insurance and if you look at the details Harley Davidson is better if you have a Harley, of course progressive is cheaper, but I know Harley is the best out there for me and for a lot of people if there, everyone I know that drives a Harley got insurance through Harley’s I pay 60 bucks a month after my MSF discount. Check it out and don’t forget read the details

[@MatthewsArcade]

i’m paying $250 CAD a month for 23 y old i feel like it’s a lot ?

[@you-lp6mj]

WHY WOULDN'T YOU HAVE BIKE INSURANCE, its very well priced and dependant on the size of the bike can be VERY cheap, i have Full coverage on my CRF250L and its less than $80!

[@DanDanTheFireman]

SRS!

[@sh9683]

is it law where you live? its a rip off where i live and its law. law and government makes everyhting stupid expensive, at 80$ i would HAPPILY pay for it, its 450$ where i live and only 6 months ridable of which only 3-4 months would be enjoyable

[@you-lp6mj]

@@DanDanTheFireman for serious, looks like you should have partnered with state farm lol

[@you-lp6mj]

@@sh9683 well how old are you and how many CC is your bike? insurance companies take those factors into account the most, as well as any prior accidents or tickets

[@mikeeger7581]

I read that progressive is the least expensive for motorcycle insurance?!!!

[@roywalls5595]

First waited motorbike come in then get motorcycle insurance next get it inspection then registration like do to a car right!!

[@roywalls5595]

@Biker Gnome I live Marion, TX

[@roywalls5595]

@Biker Gnome I had motorbike somebody cut chain and walk off right front school parking! The police never found it that was 13 yrs. ago! I move to Tx start all over getting license again & getting other motorbike!

[@ernestomytv]

You dont in Flo-rida,,, in California for a new Harley cost is only $275 a month...😮😮😮or $3000 a year!!

[@jsmokes9574]

The only reason I ride is because you don’t need insurance in Florida. I have a Honda 150

[@sh9683]

i pay full insurance on my bike, and its 450$ lot better then car, no regrets on getting full insurance, just a shame its government mandated, it would be cheaper if it wasn't

[@Cody_Ramer]

In my state it is not law for motorcycles. However i still have full coverage.

[@nick_knack]

NYS makes you have insurance anyways.. I have USAA because I'm married to my wife who's Army, but unfortunately they don't do motorcycles but they have you go through Progressive. It's only $100 a year...... GET INSURANCE.

[@willmurph6691]

Bro i thought you were wearing Uggs

[@ofir20503]

dan do stunts

[@DanDanTheFireman]

I wanna dooooeeee

[@pirateadam3686]

Saw this title - exploded slightly - wrote a comment while listening to it - then became kind of confused... Dan, can you explain the US system slightly in terms of what levels there are and what you need to ride? For example, in the UK we have: 3rd Party: A legal minimum - you CANNOT use a vehicle on the public road with this. It means that if you cause an accident, your insurers pay for everyone else, but not you. 3rd party, fire and theft: Same as above, but they will also pay if your bike is damaged (hence, fre) or stolen. Comprehensive: The full option - even if you are at fualy the insurance will pay for everyone, including you, up to the maximum of the policy. Riding/Driving over here without a valid insurance policy will see your vehicle impounded, possibly destroyed and your license revoked. And it's a great thing, as being hit by an uninsured driver is a blood y nightmare.

[@ENJ4321]

3rd party here in the USA is called liability, it's pretty much the same as over there. Here you can use it as the least amount of coverage you can get. You can ride using liability only, but it isn't smart. If something happens you aren't covered under liability, it just pays money to the other party in an accident...but not the rider. The second is collision, it covers everything from damages caused to both vehicles...to other property. The other is Comprehensive. That covers in the fact that somebody steals your bike(or car), a tree falls on it, or anything happen to it that are unforeseen occurrences. You can even bundle the coverage on your bike and have Comprehensive and Liability...or Comprehensive and Collision etc etc.

[@pirateadam3686]

@@ENJ4321 Ah, that makes a lot more sense. For a minute I thought you legitamtely had the option to just ride without insurance at all, which tripped lots of alarm bells. Seriously though, get insurance. I've been off my bike for 5 months thanks to lowsiding it after hitting a pothole! They said it was an 'at fault' claim (i.e. my fault = by bye, no claim bonus) because they couldn't recover the costs from anyone. If I didn't have Comprehensive then i'd be paying myself (not sure what level you'd need in theUS for that sort of thing). Shit happens.

[@Cody_Ramer]

Adam Hughes actually in a few states it is not required by law to have motorcycle insurance. I still have it but it's around 120-130 a year.

[@pirateadam3686]

@@Cody_Ramer Really? But, how does that work? If you get hit (in that state) by someone with no insurance and they zoom off, what do you do: 1) The driver is caught? 2) The driver is not caught?

[@Cody_Ramer]

Adam Hughes if the driver is caught then you can take them to court and get the money. If they are not caught you fix the bike yourself. But that but you are required to have insurance on a car. So they would go to jail for hit and run and a huge fine for no insurance and have to pay you for hit and running you. Same thing with liability only insurance. If you have liability only if your car or motorcycle get hit and runned you have to fix it yourself if the person is not caught. Your Liability insurance protects other people your comprehensive and collision insurance protects you.

[@getoffmygrass6974]

Massachusetts requires you to have insurance or your registration gets suspended. There can be over a $2000.00 difference on MC insurance between basis and full. Now New Hampshire is 10 minutes up the road and they don't require you to have insurance on any owned vehicle that is registered for the road

[@msv622]

MA also does not cover medical expense if the rider was at fault... just found out when geico send me a refund for that portion. I had been paying for extra through progressive... who happily kept that money. Annoying.

[@getoffmygrass6974]

@@msv622 I left progressive and went to Geico myself

[@aamry]

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