why can't you just buy 6 months at a time, or even go month by month?

 

I pay my insurance every 3 or 6 months. Theres even an option to pay monthly (I just switched over to Farmers; but quarterly and semi-annual was also an option with State Farm).

 

really. i didn't know that. gonna call my agent up and ask. cause i don;t wanna pay insurance when i don't ride from november- march. my insurance might even be lower then. cool

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by big pete &raquo;</TD></TR><TR><TD CLASS="quote">I pay my insurance every 3 or 6 months. Theres even an option to pay monthly (I just switched over to Farmers; but quarterly and semi-annual was also an option with State Farm). </TD></TR></TABLE>

But you still have to pay for an entire year, 12 full months, just on a varied payment plan.

Thats normall how it goes, maybe you do only pay for a few months outta the year, i know theres companys out there that will allow you to insure 2 months, or 4 months, or whatever. Most require a full years worth of premiums whether you pay monthly, quarterly, or annually.

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by tvrsir &raquo;</TD></TR><TR><TD CLASS="quote">really. i didn't know that. gonna call my agent up and ask. cause i don;t wanna pay insurance when i don't ride from november- march. my insurance might even be lower then. cool </TD></TR></TABLE>

I see...you'll have to talk to your agent about that. I thought you were talking about pay schedule

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by tvrsir &raquo;</TD></TR><TR><TD CLASS="quote">why can't you just buy 6 months at a time, or even go month by month?</TD></TR></TABLE>

because they don't make money if you pay month to month

 

You dont ride all 12 months of the year?

 

I live in Cleveland, so eiding is limited to when it's not snowing.....about 3 weeks out of the year it seems like. Anyway, when I put my bike up for winter, I call my insurance agent and tell him it's in storage, still have to pay but it's only like $7 a month or something like that. When spring comes back around, call him again and tell him I'm riding it and the insurance is back to the $30-$35/month. Oh yeah, I have Allstate.

It's really good b/c they let you do that on cars too, so I can have a car in storage or a long repair and pay almost nothing on insurance and still have them somewhat covered.

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by tvrsir &raquo;</TD></TR><TR><TD CLASS="quote">really. i didn't know that. gonna call my agent up and ask. cause i don;t wanna pay insurance when i don't ride from november- march. my insurance might even be lower then. cool </TD></TR></TABLE>

They already thought of this for areas with seasons. Your insurance is much higher in the months that you can ride and you end up paying almost nothing during those winter months.

 

It's just the way motorcycle policies are written... like homeowners.

Be careful about only carrying insurance for part of the year. Part of the equation that determines your rate is how long you've been insured (with any company). If you only carry a policy part of the year you'd basically be starting over when you signed back up.