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The insurance companies need to take into account all angles. They rate based upon the owner and those who will be using the vehicle. Remember the vehicle can not drive itself, so the real risk comes with who is driving it. A vehicle can only be insured once, I am not sure what you are saying...

Ask for OPCF43. It is a depreciation waiver. I add it to all new vehicles automatically and so do most other brokers/agents I know. It states that for the first 2 years of the vehicle's life no depreciation will be applied in the event of a total loss.

They are not the best according to people living in New Orleans. A quick google search with the key words Hurricane Katrina and State Farm will show that many homeowners still have not been paid, or have been denied.

FYI Jevco offers a flat rate reduction to drop from 1M liability to 200k - The savings - $22/yr! Not worth it at all.

Your benefits don't cost as much as you think. $1800/yr is on the high end... and that would get a solid plan for most employers. The benefits don't just cover eyeglasses and dentist visits. Imagine though if someone's kid broke a few teeth in an accident? Most employer plans cover that. Or if...

Hardly a bait and switch. He applied for insurance, he got insurance. That he didn't give all of the information he was required to give is not really the insurance company's fault is it? They asked for the facts, he didn't give them. If he want's out of the deal tell him to request that his...

They are also able to subsidize the premiums with tax dollars.

"Bait and Switches"???? Have you ever applied for insurance and been given something other than what you thought you were buying? ie. you went in for insurance and came out with a snowblower? I'm not following you with the whole bait and switch thing.

Merriam Webster defines competition as: Main Entry: com·pe·ti·tion Pronunciation: \ˌkäm-pə-ˈti-shən\ Function: noun Etymology: Late Latin competition-, competitio, from Latin competere Date: 1579 1: the act or process of competing : rivalry: as a: the effort of two or more parties acting...

Call it BS if you want, but you licensed the bike for a year, and it needs to be insured as such. Furthermore, the bike is licensed to be used by any licensed individual. Having people sign waivers doesn't do much with a good lawyer, so the insurance companies have taken the stance that if it's...