[Yucatan2]

Having come from another state, we had never heard of the "stacked" uninsured motorist option. I asked my insurance agent to look into having our motorcycles "stacked" onto our auto uninsured coverage, which she did. We found that having the $100,000/300,000 on the auto and stacking the two Harleys for uninsured coverage saved us $460 on the motorcycle premium. It raised the premium for the auto by $100 per year. Not a bad payoff! Our original quote for the motorcycles was $805 per year, and now it is $369, much more inline with our Virginia rates. Having the uninsured portion on the motorcycle policy would have cost $230 for each bike.

In order to have an umbrella policy, which is for liability coverage as noted above, you need to carry $250,000/500,000, which may add $100-200 to your premium. I do not believe umbrella will help in covering expenses like pain and suffering above and beyond your uninsured motorist coverage.

We have AAA for home and auto and our agent is Kerriann Varney, at the Bichara Blvd office. She welcomes more motorcyclists to inquire about insurance at AAA. By the way, the coverage is through Progressive.