Total thread derail, apologies all.
No loopholes here. Just got quoted $5,100 (!) for the year from Allstate. Rider training, 19 years riding experience, clean record, no claims, live in Hamilton. The only issue is that I don't have continuous insurance because of my time in BC (you buy only what you need there, I usually got 6 months from May through October). There would be a $250 discount if I added house or car insurance. She said the bike was considered a high-risk model, so I wouldn't rock the boat,
@Katatonic . If they keep you on at your rate, sit tight.
As for Desjardins, it's a much more competitive, as long as the added income replacement is off the table. They're at ~$1,400/yr, but adding $1,000/wk income replacement tacks on an astronomical $1,000/yr. Aside from that, they're slightly cheaper than TD, though TD's income replacement is much cheaper.
(If anyone is wondering, just for comparison's sake, I was paying about $1,100/yr in BC living in a suburb of Vancouver. Included 6 months of liability with $5M coverage for $116/mo and $400/yr for comprehensive with a $500 deductible, fixed value replacement (i.e. they pay what you tell them the bike is worth when you sign up, regardless of depreciation), $1000/wk income replacement, and similar injury benefits. So far, the cheapest I've found here is through TD, at just under $2,000. Granted, the increased income replacement and $2M liability jacks the rate up a fair bit, and without those it's about $1,400. Don't get me wrong, I'm not boosting BC at all - I moved back for a reason! - but the insurance system there is so much kinder to motorcycles. Cost aside, it's much more transparent, so it's easier to understand what affects your rate. They assign fault, too, which I think is a fairer system.)
