The Lowered Rate wont be applied until your next renewal, since you are still covered with the higher coverage.
Anything on and after June 1st is with the new coverage.
I don't think you can call back and change your coverage to get a lower rate.
i think what others meant by having your license for a year means. yes having your license for a year AND also being insured with a bike for a year. if you have been insured with a bike, that means you have been getting experience riding. one of the question most insurance company would asked is...
you know whats funny doughnutts, i just inputted your basic information into my quoting system with a ajax address and it comes back being about $200 more expensive than Facility.
I would recommend talking to your broker/agent about the coverage. i was told by the insurance company that since the coverage is reduced, you can buy up to meet your needs. when you renew your policy after june 1st, it will be with the new reduced coverage and the rate would be lowered a little...
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