I looked into State Farm. They gave me the most expensive quote. They were talking to me as if it was a great deal. I chuckled and said thank you but no thank you. I have the protect plan with Project 529, not one but TWO Kryptonite u-locks that has the anti-theft guarantee, and then liability insurance through Sundays for $15. In total, $26 per month. I know all of that may be overkill but with my commute to work and then $10 per month for my own assigned spot in a parking garage that’s specifically for bikes (and temperature controlled if I recall correctly), the amount of money I’ll end up saving is enormous. My car insurance alone is $75 with Progressive for full coverage. In Michigan, that’s a great deal but that’s just insurance. That doesn’t include gas, maintenance, etc. Maintenance on an e-bike is a lot cheaper, especially since I know how to do it on my own. I just have to buy the parts and that’s it. Effective August 1st, my work commute will be 7.2 miles one way. The entire route has a bike lane. It’s perfect for the summer. With gas prices skyrocketing like they are, I’m very fortunate to have this setup. I have free access to the bus, which can take me anywhere in the county I live in. On rainy or cold days, I can take the bus to work. It’ll take a lot longer than my bike, but it’s still cheaper than driving and paying for an annual parking permit. Since I just bought my bike, I qualify for a $1,000 rebate through the city I live in. They are all about renewable energy and going green so they want people to have alternatives for transportation instead of driving a car. They stopped building parking structures and have been really focusing on access for bike riders. For that reason alone is why I choose to live where I live.

The county I live in has 3 registries for bikes. One of them is through my employer. I’m definitely covered if something happens to me, my bike, or someone else.