What are you running collector plates on?👇

[who_wantsit]

State of Montana, we have lifetime registration for all motorcycles, no matter the age, and zero insurance required to ride them. We all have so many bikes, it's so cheap to have to them.

[gqvnxjr]

Be careful. Insurance companies are in the business of not paying claims. Read the fine print. If you are not using your bike as a collector piece, things could go pear-shaped when you file a claim.

[no-damn-alias]

Why is motorcycle insurance so expensive in the US?

In Germany I pay 65€/70$ a year for my 750cc motorcycle and 55€/60$ for tax per year.

My, ,125cc" commuter scooter is tax free and costs 18€/20$ per year to insure.

[dillonweigel]

Idk what the laws are up there but some states in the US put an annual mileage cap on anything registered with collectors plates

[jedimictricks]

Motorcycle insurance in Canada is crazy, BC is bad, ontario is worse. One thing to keep in mind tho is that canadian policies typically have higher minimum liability coverage which makes it more expensive

[marcusplyon]

British Columbia...nice place to visit.

[Me-]

Hahaha $1200? I was paying $81/year last year and this year it jumped to $104.

Great state of Florida, where you are not even required to insure in the first place.

[CapnCackler]

I live in Canada as well and pay $1800 yearly for a cbr600 that because of the weather I can’t enjoy for half the year anyways

[bigmike]

Ah...I love florida where motorcycle insurance is optional.

[wallymurray]

$1200 for a 550? Even 400 is unbelievable. Is this full collision and such? I’m paying $220 for basic insurance on my older 1000 V-Strom here in Alberta and I think thats too much. WOW Just confirms that BC doesn’t stand for British Columbia, more like Bring Cash.

[taketh]

1998 HD XL1200S. Can’t really ride it sucks so bad, but it’s getting older every day. Still looks like new. Vivid black.

[ne-adv]

In the USA, a collector or antique or classic plate implies you are not daily driving that motorcycle and are only transporting it to events or on event ride outs.

[nordicusmaximus]

1993 Honda VFR750F, plates should be here any day now.

[Broesky]

Insurance should work as follows: Insurance is paid on a vehicle until the value of the vehicle has been paid, then no more payments are necessary for the rest of its existence.

[stefanmajonez]

Poland here, and the antique/collectors plates are kinda wack.
First off, you have to keep the bike stock. That means, original or identical-to-OEM parts, no modifications. If you can't find a replacement part, you need to ask permission from the Conservator-Restorer to use a different part, which could be rejected if it alters the look of the bike too much.
Secondly, if you get into an accident, even if it's not your fault at all, the Conservator-Restorer will join the investigation to determine if you could have driven more defensively etc. If it's determined that you could have reasonably driven more carefully etc, you will be prosecuted for leading to destruction of a 'historically-significant registered antique'. Happened to a friend of mine, it was found that he was speeding and he started braking 'later than he should have' and he had to pay a fine for crashing the antique-registered bike even though it was not his fault.
Antique/collector's plates are quite good if you are actually interested in the bike as a collector's item, because your insurance drops by like 80%, and you can de-list your bike at will - that means your bike is not permitted on the road, but you don't have to pay for insurance. So, for example, you can keep your bike rideable for antique-meetup season for 3 months per year instead of the full year, also paying for insurance only for 3 months. So the insurance cost could become a fraction of a fraction. Also, with the parts - you can ask the Conservator-Restorer to help you find replacement parts, and they will do it, which is cool.
But, because of the reasons I wrote about above, my 1994 XL600V will have normal plates and I will pay more for insurance. It's not expensive anyways so eh.

[carportchronicles]

I live in Washington and have collector plates on my '74 CL450 Honda and my '78 VW Beetle convertible. With the Washington collector plate, you only pay a fee when the plate is issued. There are no future registration fees. I also have collector insurance on both the bike and Bug with Hagerty. Both policies are stated value, so if they end up being totaled, I get paid an amount the insurance company and I have already agreed to (the cost of these policies was less then I was paying for standard policies with Geico.

[alexwilson]

I live in New Hampshire USA. Great thing about my state. I can get a $3k bike like that cb. And all i have to do is register and inspect it. But literally no law enforcement within 300 miles actually enforces inspections unless youre riding a junker or its loud

[alelectric]

For all non Canadians and Canadian who don’t know, each province is different. Some provinces have a public auto insurance with the “no fault” model and the other provinces are private with the “tort” model. The tort model is what you would find in the majority if not all of the US.
Don’t ask me about Euro insurance. It’s just weird.

[marcducati]

In Switzerland it is actually like this for all plates. You can have two cars or two bikes on one plate. You pay taxes on the larger engine and insurance on the most valuable one. You can only drive one at a time but both are insured constantly. It’s a great system.

[Alucard-gtzf]

In the uk along as its older than 40 years it instantly becomes a classic and we have specialised insurers for classic cars (you can even insurers a regular car with them as long as you insurer a classic car aswell, and they are much cheaper