Recommendation list of basic and additional coverage when buying insurance?

[hedgehog88]

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Hi,

I was hoping to get some ideas/advices on what some of you would recommend, or have chosen for yourself, in terms of coverage and price range when insuring a motorcycle.

I understand there are its mandatory coverages, however there liability price ranges that I have no clue what to select or that is it even worth it. On top of that there are additional coverages but I don't know what would be ideal to select. Of course, I would like to keep the rate down as much as possible but at the same time want the most protection for myself and my bike in case something does happen...god forbid nothing happens.

Any and all responses is greatly appreciated.

Thank you in advance!

 

[highflyer]

I think for the quote I was given, the only expensive additional coverage was collision damage. Subtract the deductible from the value of your bike, then divide by the cost of having collision damage coverage (for the sake of simplicity, we'll leave out the interest rate). Whatever number you get, ask yourself this: do you think you'll crash your bike with those X years? If not, then you could drop it.

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