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I have my Home Owners, Auto and everything through Farm Bureau Insurance. I have Full Coverage on all of our bikes. 04 CRF230, 2001 WR250, 2008 WR250 I think the policy was called a Inland Marine Policy. Anyways Our deductable was $100. Your $144 a year sounds high if that is for one bike. All of our bikes cost me $176 a year but with that being said you are in CA and theft and such may be higher there so it may be more money.

 

We have to carry insurance on our bikes to ride any dirt roads here. The difference between libility and full coverage was next to nothing. I'm really glad I had full coverage on my bike.


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