I have Progressive, and my motorcycles only have Liability/Theft on them.  They aren't valuable enough to justify comprehensive.....I would think differently if I had a $ 20,000 motorcycle.

I have full coverage (collision & comprehensive) on my S40 since it's almost new & possibility of theft in the Big City.

Liability is fairly cheap, so I max that out.

Also, look into availability of Under-Insured Motorist. My hospital bills from a 2013 accident were $120,000, & the at-fault pickup driver only had $100,000 in liability. Uninsured Motorist covers you if the at-fault party has NO insurance; Underinsured Motorist fills the gap that the other party's insurance doesn't cover.

I am retired and I doubt that the wife will ever get on even as a passenger. It is basically a toy mostly just short joy rides and simple errands. I will be surprised if I ride it 3000 a year and I will be a warm weather sissy. I have ridden in sub zero temps more than once but I was young and dumb then. 6 or 7 months is about my max here in middle TN.  


The fella just accepted my offer so now all I need to do is get a trailer and go pick it up. The big sissy that I am makes it too cold for an hours plus ride home and I no longer have the clothes for it anyway.