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I can only speak for my own situation; I won't live long enough to recoup the money but, who knows, my experience with insurance has changed a lot, especially related to flying.
For me, it wasn't about the money, it was about peace of mind. I was self taught ( I grew up in the country ) and knew I probably had some bad habits. I did learn that I tend ride straight armed and position some weight on my arms while riding. This not only lead to arm fatigue on long trips but, can also leave you somewhat unprepared for collision avoidance.
Imho, money well spent, now I just have continue to work on breaking an old habit....
News to me on the certificate making a discount...... I really believed it was an urban legend =)
Jevco also doesn't care for it tho.
2009 Ninja 250r (June, 2011 - present)
That's a surprising jump in rate when switching from some age greater than 30yo to 30yo -- which company were you doing all of this quoting with? 30yo is actually quite a desirable age in the view of an insurance company (optimal likely being somewhere around 30yo to 45yo).
I'm an Actuarial Analyst for a Major Canadian Insurance Company. I analyse claims patterns to determine overall rate changes, as well as relative premium differences by various risk characteristics (eg. age, experience, claims, convictions, usage, etc.)
Unless it's private, please post insurance-related questions in the forum rather than sending me a PM.
Current: 2001 Suzuki GSXR1000 (4th Season)
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