September 16th, 2017, 02:50 PM | #1 |
ninjette.org member
Name: Zavier
Location: US
Join Date: Jul 2013 Motorcycle(s): - Posts: 15
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Single day/week insurance so I can title motorcycle
I might be buying my first bike very soon, and since I don't have my endorsement yet, and all places near me have stopped giving classes for the year, there is no point in buying a 12-month plan when I won't be riding until at least may of next year.
I just want a day/week/maybe month of insurance so I can get the title transferred to my name. The cheapest insurance for me, in my area, Progressive, appears to only have 12-month plans either paid in full or on a month-by-month basis. |
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September 16th, 2017, 05:53 PM | #2 |
"a legend in my own mind"
Name: maverick9611
Location: Augusta,Georgia
Join Date: May 2017 Motorcycle(s): 2015 moto guzzi norge(brownie),2020 aprilia dorsoduro, Posts: A lot.
MOTM - Feb '18
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i have geico. $15.82 a month
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"trying not to get old" |
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September 16th, 2017, 07:05 PM | #3 |
Guy Who Enjoys Riding
Name: Jim
Location: North Carolina
Join Date: Jul 2016 Motorcycle(s): Ninja 250 Posts: A lot.
MOTM - Oct '18, Aug '17, Aug '16
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You don't need any insurance to transfer a title. You just need insurance to get the registration and license plate. At least this is true in all the states I'm familiar with. I transferred the title of a motorcycle to my name a couple years ago, but have never insured it or gotten a plate. Just make sure you get the previous owner's title and have him sign it, and in some states that has to be done in front of a notary.
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September 16th, 2017, 07:47 PM | #4 |
ninjette.org member
Name: Zavier
Location: US
Join Date: Jul 2013 Motorcycle(s): - Posts: 15
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... I think you are right. I misread the Secretary of State's website.
I thought all of the requirements listed were just for titling; not titling, registering, and plates. Well I feel dumb. |
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September 16th, 2017, 09:19 PM | #5 | |
Guy Who Enjoys Riding
Name: Jim
Location: North Carolina
Join Date: Jul 2016 Motorcycle(s): Ninja 250 Posts: A lot.
MOTM - Oct '18, Aug '17, Aug '16
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Quote:
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September 17th, 2017, 01:48 AM | #6 |
"a legend in my own mind"
Name: maverick9611
Location: Augusta,Georgia
Join Date: May 2017 Motorcycle(s): 2015 moto guzzi norge(brownie),2020 aprilia dorsoduro, Posts: A lot.
MOTM - Feb '18
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15.82/30 days =.53 a day. that's pretty cheap. have you done a quote with geico?
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"trying not to get old" |
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September 17th, 2017, 08:29 AM | #7 |
The Corner Whisperer
Name: Chris (aka Reactor)
Location: Northern KY
Join Date: May 2011 Motorcycle(s): 2010 250 (track), 1992 250, 2006 R6 (street/track), 2008 R6 (track) Posts: Too much.
MOTY 2015, MOTM - Nov '12, Nov '13
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While there should be no need for insurance for a title transfer, once the bike is legally yours... I would consider an insurance policy based on storage risks and theft chance. Riding it or nah, you should protect your investment as you see fit.
And gratz on your future bike!
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Goal: Shake A Million Hands | Look through the corners | Track Day Prep | Closest track? | The Mid-Ohio School |
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September 19th, 2017, 04:36 AM | #8 |
ninjette.org member
Name: Dave
Location: South of Chicago
Join Date: Sep 2017 Motorcycle(s): 2013 Ninjette 2006 FZ6 Posts: 34
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And if you did need the plate, order the insurance, then cancel it after you get home. You'll be out some cash while they take 6 months to process your refund or whatever ridiculous amount of time they take - but you can cancel a policy and get a refund.
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September 20th, 2017, 04:53 PM | #9 |
Guy Who Enjoys Riding
Name: Jim
Location: North Carolina
Join Date: Jul 2016 Motorcycle(s): Ninja 250 Posts: A lot.
MOTM - Oct '18, Aug '17, Aug '16
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September 20th, 2017, 05:19 PM | #10 |
ninjette.org member
Name: Dave
Location: South of Chicago
Join Date: Sep 2017 Motorcycle(s): 2013 Ninjette 2006 FZ6 Posts: 34
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That is exactly what I meant. You don't RIDE without insurance, but if for some reason you wanted to buy it (the plate) now which requires insurance - you can. But the primary point being if you had no vehicle insurance - you can get a policy, and then cancel it before the term is up and get a refund.
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September 20th, 2017, 05:45 PM | #11 | ||
ninjette.org certified postwhore
Name: AKA JacRyann
Location: Mesa, AZ
Join Date: Dec 2011 Motorcycle(s): CB125T CBR250R-MC19 CBR250RR-MC22 NSR350R-MC21 VF500F CBR600RR SFV650 VFR750F R1M ST1300PA Valkyrie-F6C Posts: A lot.
MOTY - 2018, MOTM - Nov '17
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Quote:
Quote:
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September 20th, 2017, 07:14 PM | #12 |
ninjette.org certified postwhore
Name: Kerry
Location: Ventura, CA
Join Date: Jan 2016 Motorcycle(s): Ninja650 Posts: A lot.
MOTM - Apr '18, Apr '17, Apr '16
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Check with current insurance- sometimes you get automatic coverage for a purchased vehicle for 30 days or whatever, without doing anything. That lets you get it registered, home, and all that and you can actually insure it once you're ready to ride it.
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September 20th, 2017, 08:05 PM | #13 |
not an actual panda
Name: dan
Location: philadelphia
Join Date: Aug 2012 Motorcycle(s): 2008 Ninja 250, 2009 CBR600RR (Sold) Posts: A lot.
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September 20th, 2017, 10:37 PM | #14 | |
"a legend in my own mind"
Name: maverick9611
Location: Augusta,Georgia
Join Date: May 2017 Motorcycle(s): 2015 moto guzzi norge(brownie),2020 aprilia dorsoduro, Posts: A lot.
MOTM - Feb '18
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Quote:
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"trying not to get old" |
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September 21st, 2017, 07:10 AM | #15 | ||
Guy Who Enjoys Riding
Name: Jim
Location: North Carolina
Join Date: Jul 2016 Motorcycle(s): Ninja 250 Posts: A lot.
MOTM - Oct '18, Aug '17, Aug '16
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Quote:
From the NCDOT: Quote:
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September 21st, 2017, 07:18 AM | #16 |
ninjette.org member
Name: Dave
Location: South of Chicago
Join Date: Sep 2017 Motorcycle(s): 2013 Ninjette 2006 FZ6 Posts: 34
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Interesting. Never heard of that before. If you aren't on the road, (IMO) you shouldn't be in trouble for possession of a plate and not having insurance.
So if your vehicle breaks down and you suspend insurance while getting a long term repair carried out, you are illegal because you didn't also "turn-in" you plate? That's horrid. |
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September 21st, 2017, 07:58 AM | #17 |
ninjette.org certified postwhore
Name: AKA JacRyann
Location: Mesa, AZ
Join Date: Dec 2011 Motorcycle(s): CB125T CBR250R-MC19 CBR250RR-MC22 NSR350R-MC21 VF500F CBR600RR SFV650 VFR750F R1M ST1300PA Valkyrie-F6C Posts: A lot.
MOTY - 2018, MOTM - Nov '17
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Yeah, old system. Inventory and registration figures are tied to physical plate. Count up up plates you have on-hand and compare to previous figures and you get probable number of unregistered vehicles.
There are some states with bar-codes on plate and camera on LEO vehicle automatically scans plates as they drive along and tells officer if vehicle is in compliance. |
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September 21st, 2017, 08:05 AM | #18 |
not an actual panda
Name: dan
Location: philadelphia
Join Date: Aug 2012 Motorcycle(s): 2008 Ninja 250, 2009 CBR600RR (Sold) Posts: A lot.
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Here's a good thread on insurance you might be interested in - https://www.ninjette.org/forums/show...ecommendations
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September 21st, 2017, 08:12 AM | #19 | |
Guy Who Enjoys Riding
Name: Jim
Location: North Carolina
Join Date: Jul 2016 Motorcycle(s): Ninja 250 Posts: A lot.
MOTM - Oct '18, Aug '17, Aug '16
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Quote:
And they keep tabs on things pretty strictly. When I bought the Ninjette I got insurance and registered it right away. The previous owner turned in his plate and canceled his insurance, so I got notified I was illegal. Apparently the computer saw the insurance cancellation and hadn't processed my new policy's information. I called my insurance agent and she typed some keys on her computer, and said it was taken care of. I thought it was impressive that she had the power to straighten out the DMV from her office computer. |
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October 2nd, 2017, 09:40 AM | #20 |
ninjette.org member
Name: Chris
Location: Atlanta
Join Date: Nov 2015 Motorcycle(s): 1969 Benelli Cobra 125, 1970 Honda CB160, 2009 Kawasaki 250R Posts: 107
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In Georgia, and probably most states, if your your vehicle is inoperable, youre out of the country for an extended time, or even used "seasonally" you can submit a form to the tag office and not get fined for canceling your insurance.
This was mean to cover things like farm equipment that is only used part of the year and for deployed military, but it applies to all registered vehicles. |
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