SuzukiSavage.com

Sandy Koocanusa Serious Thumper Offline Don't blame me. I didn't vote for him. Posts: 1878 Bigfork, MT Gender:	Re: Newbie Reply #15 - 05/03/09 at 18:45:53 Man, you Canucks get hosed on insurance. It isn't required on motorcycles here in Montana, but Kay and I decided to put liability on the bikes. $109.50 per year on each one. Foremost Insurance company. Welcome aboard Gideon. You're gonna love it.
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sjaskow - FSO Senior Member Offline Posts: 364 Frozen Tundra of MN Gender:	Re: Newbie Reply #16 - 05/04/09 at 10:25:25 I pay $23.23 per month for full 12-month coverage from State Farm in southwest Ohio. And welcome to the site!
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Jerry Eichenberger

Serious Thumper

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2006 S40. OEM
windshield, saddle
bags, Sportster

Posts: 2919
Columbus, Ohio
Gender: male

Re: Newbie
Reply #17 - 05/04/09 at 14:28:36

Gideon -

Before you pay the horrible price for HD course, log onto Motorcycle Ohio web site and see if there are any openings in their course. It costs all of $25, and they furnish the bikes. Also, you can show up at a class that is "full" and see if there are any no-shows.

Be early, as the order you come determines who gets a no-show's place in class.

Have fun and be safe.

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Jerry Eichenberger
Columbus, Ohio

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Gideon1986

Junior Member

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SuzukiSavage.com
Rocks!

Posts: 66
NE Ohio
Gender: male

Re: Newbie
Reply #18 - 05/05/09 at 04:30:08

Jerry Eichenberger wrote on 05/04/09 at 14:28:36:

Gideon -

Before you pay the horrible price for HD course, log onto Motorcycle Ohio web site and see if there are any openings in their course. It costs all of $25, and they furnish the bikes. Also, you can show up at a class that is "full" and see if there are any no-shows.

Be early, as the order you come determines who gets a no-show's place in class.

Have fun and be safe.

Thanks for looking out. I already put the downpayment for the HD course. Time will tell if it was a better course than the MSF. Anyway, I am excited. It starts this Thursday to Monday. Cheesy

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Demin Serious Thumper Offline We need more chlorine in the gene pool Posts: 2435 Warren,Ohio Gender:	Re: Newbie Reply #19 - 05/05/09 at 05:17:39 The actual course is the same material.Harley just adds a little to it.IE,salas pitch,graduation party,etc.
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Gideon1986

Junior Member

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SuzukiSavage.com
Rocks!

Posts: 66
NE Ohio
Gender: male

Re: Newbie
Reply #20 - 05/05/09 at 08:13:14

Demin wrote on 05/05/09 at 05:17:39:

The actual course is the same material.Harley just adds a little to it.IE,salas pitch,graduation party,etc.

Hope the party's worth it... (joke) Grin

Anyway, went to change title this morning, got my plates and will get my insurance sometime soon. What do you guys think of 3rd party liability only? Anyone have any opinions? Thanks

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Jerry Eichenberger

Serious Thumper

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2006 S40. OEM
windshield, saddle
bags, Sportster

Posts: 2919
Columbus, Ohio
Gender: male

Re: Newbie
Reply #21 - 05/05/09 at 08:22:44

Gideon -

As you're new to the list, most know I'm a lawyer here in Cols. 3rd party liability, and uninsured/under insured coverage is a must. No way to skip that if you use your head. I say get the UM coverage because quite often the guy who hits you is some scumbag without insurance, and you need your own insurance to step in then and compensate you for your loss.

As for collision coverage, it all depends on your financial situation, and whether you can afford to replace your bike out of personal funds if you're in an accident, or if it's stolen.

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Jerry Eichenberger
Columbus, Ohio

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PTRider

Senior Member

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Posts: 397

Re: Newbie
Reply #22 - 05/05/09 at 09:29:44

Gideon

Be VERY careful. In my opinion, a Savage/S40 is too big, too heavy, and too powerful to be anyone's first motorcycle.

I also believe that the 360# Buell Blast that Harley provides for the Rider's Edge classes is too big, heavy, and powerful for a beginners class motorcycle. Of course, Rider's Edge is a marketing gimmick for H-D. The rate of near fatal or fatal wrecks in the Rider's Edge classes is about 10 times the rate in MSF classes, likely due to either or both the power and the noise level of the Blast. (About 1 fatal or near-fatal per 250,000 students in MSF. About 1 per 20,000 in RE--not high but at the same time way too high.)

A bike in the 125cc to 250cc range is a much better training bike, and size of 250cc is better for a first bike, in my opinion. You just can't get yourself into so much trouble so quickly.

Be sure to wear ALL YOUR PROTECTIVE GEAR ALL THE TIME.

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Gideon1986

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SuzukiSavage.com
Rocks!

Posts: 66
NE Ohio
Gender: male

Re: Newbie
Reply #23 - 05/05/09 at 10:36:28

So far, GEICO has me at $99.00 per year
BI Liability: 12,000/25,000
PD Liability: 10,000
UM/UND: 12,500/25,000
UMBI: 12, 500/25,000
UMPD: 7, 500

What do you guys think?
Here's American Family Quote

Coverage Limits Premium
Bodily Injury Liability 100,000 Per Person $29.10
300,000 Per Occurrence
Property Damage Liability 100,000 Per Occurrence
Medical Expense 5,000 Per Person $48.50
Uninsured Motorist 100,000 Per Person $59.20
300,000 Per Occurrence
Underinsured Motorist 100,000 Per Person $22.50
300,000 Per Occurrence
Guest Passenger Liability $15.50
Total $174.80
Monthly* $14.57

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« Last Edit: 05/05/09 at 13:49:54 by Gideon1986 »

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Jerry Eichenberger Serious Thumper Offline 2006 S40. OEM windshield, saddle bags, Sportster Posts: 2919 Columbus, Ohio Gender:	Re: Newbie Reply #24 - 05/06/09 at 06:09:31 Gideon 0 Those GEICO liability limits are way too little. $12.5K won't even pay for a broken nose, let alone any serious injury. It's almost criminally stupid that our state allows such low limits - go with the $100/$300K limits and sleep at night.
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