My agent is a good friend of mine and she ran both ways and it made no difference. I carry pretty healthy coverage either way on any of my bikes which makes my premiums higher regardless. I make sure if my bike is a total loss I can either pay it off or walk into a dealer and buy a brand new one without really spending any money. Plus my mods are covered which bumps it up a little more. I've seen too many people lose their ass over an insurance claim so I'm not about to let it happen to me. As it sits right now my total pay out is either pay off plus $1500 or book value plus $1500 whichever is higher.