Motorcycle insurance - Honda Shadow Forums : Shadow Motorcycle Forum

Reply
 
LinkBack Thread Tools
Old 12-06-2012, 08:43 PM   #1 (permalink)
Member
 
Join Date: Aug 2012
Posts: 33
Default Motorcycle insurance

I'm going to start this post by saying I'm a long way from home. I live in Florida and hold a florida license. However, i work in north Carolina. In Florida, i do not need insurance but it is the law to have it in north Carolina. If i brought my bike here, would i follow nc law or fl law?

Sent from my DROID RAZR using Motorcycle.com Free App
Dougyeager is offline   Reply With Quote
Sponsored Links
Advertisement
 
Old 12-06-2012, 08:53 PM   #2 (permalink)
Member
 
Join Date: Sep 2012
Posts: 47
Default

I could be wrong but i believe it depends on where its registered I live in nc and you have to have insurance in order to register it in nc
bworm883 is offline   Reply With Quote
Old 12-06-2012, 08:55 PM   #3 (permalink)
Member
 
Shadow ghost's Avatar
 
Join Date: Sep 2012
Location: West Palm Beach
Posts: 183
Default

FL license, FL rules. You can't follow every state I would imagine.


Sent from my iPhone using Motorcycle.com Free App
__________________


Just Cruise...
Shadow ghost is offline   Reply With Quote
Old 12-07-2012, 07:31 AM   #4 (permalink)
Member
 
Join Date: Oct 2011
Posts: 115
Default

Why not call NC Dept of Motor Vehicles and ask them?
In two minutes you would get the correct answer.
shadowdreamer is offline   Reply With Quote
Old 12-07-2012, 09:08 AM   #5 (permalink)
Member
 
Join Date: Nov 2012
Location: Chicagoland Illinois
Posts: 552
Default

As cheap as MC insurance is for as much protection as you get, how is this even a question? Law or not, do the right thing and protect yourself and others from financial ruin.
Jammit is offline   Reply With Quote
Old 12-07-2012, 10:04 AM   #6 (permalink)
Senior Member
 
ZackDaniels's Avatar
 
Join Date: Dec 2006
Location: Chicago
Posts: 1,043
Garage
Default

I'm pretty sure the rules apply to where you register the vehicle and that's that.

For reference I have 4 bikes insured for $500 a year total which covers full replacement and 100/300k liability and 100/300k medical for me and a passenger. It's cheap as hell to insure a bike and if you haven't looked into it you should.

Shop everything you have to insure across companies to get the best rate. I get that because I have a multi-car, multi-bike, and a condo insurance policy all at the same place.

Even when I was <25 single with single car it was still only like $120 a year to insure the 83. That's when my car was over $1000 a year.
ZackDaniels is offline   Reply With Quote
Old 12-07-2012, 10:14 AM   #7 (permalink)
Member
 
E'ville Rider's Avatar
 
Join Date: Jul 2012
Location: Evansville, IN
Posts: 650
Default

It's whatever state you register the vehicle in. On another note, if you are in the military, or former military, or one of your parent's, or one of your spouses parent's, or your spouse for that matter, were in the military, you could call USAA. They will then refer you to Progressive, whom they have a partnership with, where you will get a REALLY good rate!
__________________
E'ville Rider
'95 Honda Shadow ACE VT1100C2

"Past experience carries with its advantages the drawback that things never happen the same way again." - Winston Churchill

E'ville Rider is offline   Reply With Quote
Old 12-07-2012, 10:25 AM   #8 (permalink)
Senior Member
 
Join Date: Apr 2008
Location: Palatine, IL
Posts: 6,014
Default

Florida, may not require insurance but from a liability standpoint I would get insurance. You may not care if your bike its self is insured but If you hit someone then you are liable and the cost would come out of your pocket. Still don't understand why some states don't require insurance. It's pretty much a no brainer to me.
jpr1968 is offline   Reply With Quote
Old 12-07-2012, 11:10 AM   #9 (permalink)
Senior Member
 
adlowe's Avatar
 
Join Date: Jun 2006
Location: Southeast Michigan
Posts: 6,378
Default

Quote:
Originally Posted by Dougyeager View Post
I live in Florida and hold a florida license. However, i work in north Carolina.
Must be a wonderful morning commute!

If you are maintaining your FL residency (as evidenced by your driver license and claim that you live there.) then how would you register the bike anywhere else?

In this modern age of terrorism, I cannot believe that any state would let you register a vehicle without being able to prove you are a resident. Maybe I'm wrong.

In any case, buying insurance is NOT the "right" thing. There is no "right" or "wrong" about it. There is legal and illegal. There is prudent and imprudent. (Smart and stupid, if you'd prefer those words.) You can evaluate your assets and liabilities to determine whether or not it makes sense for you to buy insurance above the minimums required by whatever state you call home. If you need us to tell you then you are in sad shape.
__________________
Art's 1999 Shadow 1100 ACE
.

Ride bell by Dr. Bob's Patient
adlowe is offline   Reply With Quote
Old 12-07-2012, 02:21 PM   #10 (permalink)
Senior Member
 
PA Dave's Avatar
 
Join Date: Sep 2012
Location: Lancaster County, PA
Posts: 1,726
Default

Motorcycle insurance isn't always cheap...for good reason. Price out a 50 year old guy on a cruiser, vs a 19 year old on an 1100 sport bike and the difference is huge. For me with high limits of coverage and a $500 deductible it's about $115 to cover my 750 Shadow.
__________________
"The Edge...there is no honest way to explain it because the only people who really know where it is are the ones who have gone over." ~ Hunter S. Thompson
.
Anger and worry are the two greatest wastes of time known to man. Aside from television, of course.


PA Dave is offline   Reply With Quote
Sponsored Links
Advertisement
 
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On



All times are GMT -4. The time now is 08:57 PM.



Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Search Engine Optimization by vBSEO 3.6.0
Garage Plus vBulletin Plugins by Drive Thru Online, Inc.
Motorcycle News, Videos and Reviews
Honda Grom Forum Harley Davidson Forum Honda 600RR Kawasaki Forum Yamaha R6 Forum Yamaha FZ-09 Forum
1199 Panigale Forum Roadglide Forum Honda CBR1000 Forum Vulcan Forum Yamaha R1 Forum Yamaha R3 Forum
Ducati Monster Forum Harley Forums Honda CBR250R Forum ZX10R Forum Star Raider Forum Yamaha Viking Forum
Suzuki GSXR Forum V-Rod Forums Honda Shadow Forum Kawasaki Motorcycle Forum Star Warrior Forum KTM Duke 390 Forum
SV650 Forum BMW S1000RR Forum Honda Fury Forum Kawasaki Versys Forum Drag Racing Forum Ducati 899 Panigale Forum
Suzuki V-Strom BMW K1600 Triumph Forum Victory Forums Sportbikes BMW NineT Forum
Volusia Forum BMW F800 Forum Triumph 675 Forum MV Agusta Forum HD Street Forum Suzuki GW250 Forum
Yamaha Motorcycles Victory Gunner Forum Honda Vultus Forum