How many miles do you ride? Asked by insurance agent

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  • How many miles do you ride? Asked by insurance agent

    My 19-year-old son just bought his second motorcycle. I called my insurance agent to add him to my motorcycle plan. Here is the amusing conversation that ensued. Agent: while I have you on the phone, I'd like to update your account on your riding habits. Me: no problem go ahead Agent: so I have listed that you only ride your GL 1800 for recreation use correct? Me: that is correct Agent: most recreation use is about 5000 miles per year or less. Would you say that it's you? Me: no not really. Sometimes two or three weeks goes by and I only ride 500 miles. But then sometimes like this last weekend I did 3000 over the three day weekend. Agent: what?! Me: then there was the week this summer that I did 6000 in nine days. Agent: what?! Me: before it gets too cold I plan on visiting my son a couple times while he's away at college. That will be 1600 miles each weekend. Agent: so how many miles do you think you ride in an average year… For recreation…

  • #2
    .....Oh, about 5000 miles or less.

    My bust - didn't notice this was the Darksiders Forum.
    2008 Red GW1800 -- NRA Life Member - American Legion PUFL, American Legion Riders
    USMC 21 YRS/9 MO and when dead, a dead Marine.
    US Four Corner Ride https://clayusmcret.blogspot.com/
    2014 Mid-States Ride https://mid-states.blogspot.com/
    2015 NC to UT/NV Ride https://2015nvride.blogspot.com/

    50th State ridden on 19 Aug, 2016 DS #1584

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    • #3
      It never ceases to amaze me when someone (insurance agent or not) are blown away by the amount of miles some Wingers ride. Have had people say to me while on a trip. You came all the way from Michigan on that! Being the smartazz I am I usually tell them that someone else rode it out here and I am just using it to visit some places and they will ride it back home. That usually gets a very strange look from folks - don't understand why either! Ride safe and long.

      Crabby Bob

      Retired and riding a Goldwing - Life is good!
      2001 Gl1800A - Illusion Red
      DS # 1258 - Double Darkside

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      • #4
        My agent asked me the same thing. He was stunned when I told him. How do you ride that much-told him it was easy as I am leaving for West Virginia this coming week and then 3 days after I get back I am planning to ride to Taos for a burrito.

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        • #5
          If they don't get it, you can't explain it to them!
          TMRA - life member
          GWRRA - life member
          AMA - life member
          IBA # 1626
          N. Texas PGR

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          • #6
            Same here i would tell them weekends only the more they know the more they will charge. The days are coming when we will be paying for every mile traveled by car or bike its in plans its coming.
            2018 DCT non tour, Pearl Stallion Brown, Double Darksider #856, Live To Ride, Love my Wing, IBA Member# 63744 Yellowbird Alias Coppertone

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            • #7
              3000 miles/year when I bought it...and that hasn't changed.

              I'm soon to be insurance shopping; all of it keeps going up and I don't believe that my risk has changed.

              (of course, my odometer read 5 8's on my ride yesterday - just what does that mean?)
              Effective 07/02/2022, in a self-imposed "social media detox" - focusing on offline social interactions and actions.

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              • #8
                Personally, I would "never" tell an insurance ageny how many miles I ride in a year. No Way.

                In reality, I have some years of over 100K miles in a year, and some as low as 15K in a year. But I wouldn't want my insurance agent to know that. As someone else stated, the more miles they know about...the more they will charge you.

                Having said all that....I actually love my insurance company...Markel Insurance. When I was struck by lightning last year, my deductible was down to a whopping $ 62.00......and the insurance company paid out more than $ 12,000.00 in total, for the bike's repairs, and all my accessories.

                All of my bikes, and my wife's bikes, are insured through Markel, and they have treated us very well.

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                • #9
                  Originally posted by crabbywinger View Post
                  It never ceases to amaze me when someone (insurance agent or not) are blown away by the amount of miles some Wingers ride. Have had people say to me while on a trip. You came all the way from Michigan on that! Being the smartazz I am I usually tell them that someone else rode it out here and I am just using it to visit some places and they will ride it back home. That usually gets a very strange look from folks - don't understand why either! Ride safe and long.

                  Crabby Bob

                  I actually did that for Dan , who used to own Motovation cycles.. he and his wife wanted to take a vacation out west starting in Albuquerquie and ride up to the the grand canyon BUT he could not get away long enough to ride his wing and cargo trailer out there PLUS do all the site seeing planned. I offered to get his bike to his relatives house in Albuquerquie if he would buy plane ticket home.and gas for bike.. I left maryland and was in his relatives driveway 2 days later.. Only one small mishap somewhere , I believe in Texas I think I momentarily broke the sound barrier and lost a side cover

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                  • haulinmail in md
                    haulinmail in md commented
                    Editing a comment
                    hate when that happens.. breakin the sound barrier .

                • #10
                  Looking like we are either riding a lot without online time or these threads are getting old. My agent has never asked me so I'm guessing admitting 20k plus year round might not be the thing to admit? I'm looking for better insurance company but honestly my full coverage is so little after my house, truck and ATV I don't think I'll find cheaper; just concerned with what all it covers or doesn't cover in the fine print.
                  Tom, in Mountain Home, Idaho
                  2002 GL1800 (Illusion Red) Non-ABS, 110k miles
                  Retired Air Force "Audentes Fortuna Juvat"

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                  • #11
                    zombie post, I know...

                    That's the thing. The average touring rider is in the 5000 - 6000 range for the majority of riders. The overall average for all riders is a heck of a lot less.

                    Thus, the agent that's asking those sorts of questions is really trying to assess your risk as an insured rider.

                    When you tell them I've ridden eleven consecutive years an average of 1000/month - recreational riding only - and that I've experienced zero in the way of citations or at-fault collisions, that gives them all they need for their assessment. They *don't* need any other details in my mind.

                    Now, certain policies, I've heard, do have some limitations/exclusions for miles per day. Be certain to read the fine print carefully and talk to your agent. That's why they get paid.
                    Effective 07/02/2022, in a self-imposed "social media detox" - focusing on offline social interactions and actions.

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                    • #12
                      The insurace companies look at it as more miles = more expisre to possible risks.
                      To a point, that is true, but it seems to me that riders that consistantly run 50k to 100k yearly, are the more acomplished riders that tend to be more observant and less reckless.

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                      • kwthom
                        kwthom commented
                        Editing a comment
                        I know...old post...

                        Oh, there's definitely anecdotal evidence that back that claim up. I think if you look at the small percentage of riders that claim 12,000 miles or more annually and then examine collisions per 100,000 miles ridden, those that put on the miles are the more accomplished riders.

                        If you look at the cream of the crop, look at the Iron Butt Rally statistics. With well over a half-million miles ridden by the participants in each rally in a two-week period (including getting to the start point & getting home), note the number of riders that have had unplanned ride termination events. No, not caused by mechanical failure.
                        It's a very, very low number. Why is that? You have a very concentrated group of riders where 20,000, 40,000, 80,000 miles a year for a decade (touring, rallies, etc.) or longer is no big deal.

                        The riders that only put on 3000 or so annually on their Bar-and-Shield bling-infested crotch jewelry, or those park for a few months annually due to inclement weather, are the riders to be concerned about.

                    • #13
                      There will be a time in the not so distance future that all auto/motorcycle will be charged by "the mile". Progressive has been doing this for some time. A small data logger is plugged into the OBD port. This collects driving habits including acceleration, breaking, and mileage habits. Premiums are based on this info.

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                      • kwthom
                        kwthom commented
                        Editing a comment
                        Right now, a few companies get away with that because they'll claim a 'discount' for being able to collect the data, regardless (somewhat) on how any given customer drives.

                        They need some statistics to back up what the actuarial people already know - miles equates to collisions.

                    • #14
                      My best year was 68,000 on my 03 Ultra Classic.
                      2016 GL1800 Candy Prominence Red leval1-bought August 24th,2017
                      Clinton,Illinois

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                      • #15
                        This will be my first year that I'll break 20,000 miles, most of them are in the 15-17,000 mile range. But since I'm still a full time slave to the man, I don't consider that too bad.
                        * Brian & Brenda * IBA 50053 & 50354 * 2002 Gold Wing
                        * Founding riders of the Atomic 1000 SS1K
                        * Tour Of Honor riders since 2012

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