Category Archives: Life

If you don’t have it yet, look into Comprehensive Insurance coverage

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First, I’d  like to say that I’ve been an insurance agent for a little over a year now, and it always shocks me after a theft or break in of a vehicle when people tell me they have liability only on their vehicle.  Then, on the other end of the spectrum, folks will say ” I’m not sure what I have, but I’ve got Full Coverage,’ not even knowing what that means. Many people pay in the neighborhood of a thousand dollars or more for their auto or motorcycle coverage, so it’s a wonder that folks know so little about something they spend so much on.

What I would really like to get across is the relative inexpense of carrying Comprehensive coverage, or “comp”, and the benefits it provides. Now, just so everyone knows what we’re talking about, lets define Comprehensive coverage:

Comprehensive insurance provides protection for a car, motorcycle. or other vehicle  in the event of damage by something other than a collision with another vehicle or object. For example, it would cover events like theft, fire, broken glass, and more.

Now that we know what it’s for, let me make my case as to why you should consider having it on your policy. Many people often lump Comp coverage in with collision coverage, which is often much more expensive and makes the insurance seem very expensive. What many people don’t realize is that most often you DON”T need to have both comp AND collision. Sure having “Full coverage” (or in other words a policy with Liability, COMP AND COLLISION) is nice to say, but if you’re looking for a cheap policy and were thinking about going with liability only, here is why you should consider comp coverage.

On it’s own, comp coverage is often very inexpensive. Don’t believe me? Take a look at your insurance policy declarations and the breakdown of cost per coverage, or call your agent to ask how much the comp on your vehicle costs. Better yet, I’ll use myself as an example. On my motorcycle, I have a $250 deductible, and I pay only $85/yr for comprehensive insurance (It will be even less in the near future). Assuming someone steals my bike today, without the comp insurance I would be out $2,500 or so. However, subtracting my $250 deductible from the $,2500 the insurance company would give me for the bike, I would have to have the policy for over 26 years before I would have paid more for the comp coverage than that cost of the bike! Now I doubt I’ll have this bike for 20+ years, but lets say I plan to have it for 5 more, but it gets stolen in four. Now it’s only worth $2,000, my deductible is still $250, and my rate  for the coverage has flatlined at $85. Paying the $250 deductible and the $340 over the four years for coverage, I would still net $1410  of the $2k I get for the loss! On my Cage the value is even greater; For the less than $1,000 I would pay for the coverage and my deductible for7 years, and I’m covered for a value of almost $10,000!

If your car or motorcycle are older and your record is fairly clean, you’re likely to have even lower rates for comp, even with a low deductible. My point is, it doesn’t hurt to consider! Ask your agent or check online to see what the difference is to add comp to your policy, and if you already have it see how inexpensive it can be to go to the next lowest deductible! Jodie went from a $250 deductible to a $100 deductible for $6 more per year!! Save yourself some grief, make sure you’re covered!

Is it spring yet!?!?

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2008 Comes to a Close

Well 2008 was a big year for us. I feel like this year really gave me a lot of perspective on life, and how I want to live it. I bought the Bandit, which has been nothing but fun and brought us on many a memorable trips. I’ve learned a lot about motorcycles and riding, and I hope next year I will learn twice as much and see twice as much too!

Today I went on my last ride of the year. About 30 degrees and quite gusty, but a beautiful sunny day. I’m participating in a challenge to ride at least 20 miles each week through the winter, and so far so good. Heated grips and gloves have made this possible in these cold temps, and I hope to stick it out for the duration of the winter.The shot above is actually from last week, same temp, much worse road conditions.

We hope everyone had a good year, despite all the financial turmoil, and we wish everyone a happy, healthy, and exciting 2009!

Enjoy the ride!

Here’s a link to some of my favorite photos of 2008

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Talk about side cases

Just came across this post from Redleg’s Rides about a motorcycle with ski-racks on the sides. (Darek will be so proud of me for looking at motorcycle blogs when he wasn’t around!)

Normally we don’t stray from our ride-review posts, but I couldn’t resist. Last winter we were talking about ways to arrange a ski rack to my Jeep, and ended up taking out the back seats to fit skis, boots, luggage, etc. comfortably. I thought the Jeep had space constraints!

The 1150GS Adventure Redleg came across is more challenging, but the owner found a way.

I’m running a risk posting this, though, because now Darek will insist we take the Bandit when we go skiing this winter!

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Words of wisdom

I often find myself caught up in life, distracted by the 1 million plus events and details that occur and want attention. When I read this it really reaffirmed how I try to prioritize my life, and why I always want to be able to remain calm, step back, and look at the big picture. I found this on a forum, unattributed, so that is how I will post it.

The Mayonnaise Jar and 2 Beers   When things in your life seem almost too much to handle,
when 24 hours in a day is not enough, remember the
mayonnaise jar and the 2 Beers.

A professor stood before his philosophy class and had
some items in front of him. When the class began, he
wordlessly picked up a very large and empty mayonnaise
jar and proceeded to fill it with golf balls. He then
asked the students if the jar was full. They agreed that
it was.

The professor then picked up a box of pebbles and poured
them into the jar He shook the jar lightly. The pebbles
rolled into the open areas between the golf balls. He
then asked the students again if the jar was full. They
agreed it was.

The professor next picked up a box of sand and poured it
into the jar. Of course, the sand filled up everything
else. He asked once more if the jar was full. The
students responded with an unanimous ‘yes.’

The professor then produced two Beers from under the
table and poured the entire contents into the jar
effectively filling the empty space between the sand. The
students laughed.

‘Now,’ said the professor as the laughter subsided, ‘I
want you to recognize that this jar represents your life.
The golf balls are the important things—your family,
your children, your health, your friends and your
favorite passions—and if everything else was lost and
only they remained, your life would still be full.

The pebbles are the other things that matter like your
job, your house and your car.

The sand is everything else—the small stuff. ‘If you
put the sand into the jar first,’ he continued, ‘there is
no room for the pebbles or the golf balls. The same goes
for life. If you spend all your time and energy on the
small stuff you will never have room for the things that
are important to you.

‘Pay attention to the things that are critical to your
happiness. Spend time with your children Spend time with
your parents. Visit with grandparents. Take time to get
medical checkups. Take your spouse out to dinner. Play
another 18.

There will always be time to clean the house and fix the
disposal. Take care of the golf balls first—the things
that really matter. Set your priorities. The rest is just
sand.’

One of the students raised her hand and inquired what the
Beer represented. The professor smiled and said, ‘I’m
glad you asked.’ The Beer just shows you that no matter
how full your life may seem, there’s always room for a
couple of Beers with a friend

-Unknown Author

Cheers friends.

-D

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