Does anyone know a good but cheep companny to get my bike insured for??
I tried Progressive because we pay only 648 per 6 months for a Car and truck threw them, but they want 1000 per year for my bike thats for minimum coverage no collision and 1000 deductable on comprehensive. Also does taking a motorcycle safty course help. Oh ya buy the way im 27 with a not so fancy driving record and live in minnesota.
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theres no such thing as stupid questions only stupid people
I found progressive to be very expensive on motorcycle insurance also. I don't understand why, I've been a customer of theirs for 6 years with no tickets or accidents and like you I have a two autos insured with them (bmw and a land rover at that) and they are very inexpensive?
They wanted something like 1200 for the 9'er??? I pretty much told them to get bent!
I'm guessing thats liability only. Collision & Theft on my 04 was quoted at $1066/yr, theft in this part of the country is a big issue (close to mexico)
This is the second time I found Progressive to be the best buy. Last motorcycle an 03, ZRX1200R new was $400 first year and dropped to 300 second year and lower the third. On my 9er, 05, it was $358 for this year. I had one auto accident, my fault two years ago. Before the 9er I priced a 1250 banit new, and it was going to be $750 for the year. All of this at 1k deductible. Glad I got the 9er.
I shopped bike insurance earlier this year -- sent RFQ's with the same specs to Progressive, Allstate, State Farm, and Nationwide -- and Allstate was (by far) the best deal.
__________________ 2009 Honda Goldwing Four wheels move the body. Two wheels move the soul.
Ok, I think that everyone needs to state if they have FULL Coverage or LIABILITY only...
Driving record, age, martial status and credit score are going to change things for everyone so it would be hard to compare apples to apples.
So...
Here is what I have... Married, 37, Great Credit, No Tickets and No Accidents. My total is $328 per year. Includes $3000 of accessories coverage and travel loss protection of $1000 gear and $400 X 2 Helmet protection as well as travel expenses.
Doesn't matter much what you guys post up. The area of the country, and even the city within your own state, and EVEN the zip code within your city, has a large impact on what you pay for full coverage.
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"Towards the end of the vid, it looks like she may have had a bafflectomy." - MarylandMike
Sorry, I can't help you. In Massachusetts insurance is regulated, no competition. Based on driving record, age, number of vehicles, theft devices, etc. Your insurance is a set calculation. Even having a clean in-state drving record (all my tickets have fortunetly been out of state), being older, multilple cars, bikes, and homes through the same carrier with all discounts ... I still pay insane amounts of money in insurance!!
__________________ It's better to have loved and lost than live with the psycho for life!
Before you buy any motorcycle especially a large displacement sport bike or fancy European (read Ducati). PLEASE do your homework, see what the insurance premiums will cost.
Before you buy any motorcycle especially a large displacement sport bike or fancy European (read Ducati). PLEASE do your homework, see what the insurance premiums will cost.
+1
I bought an FZ1 four years ago and didn't do this. I was 39 at the time, clean license, good credit score, no accidents, and the insurance bill I got was for $1,400/year! Never saw that coming! Needless to say I didn't have the Fizzer very long.
__________________ 2009 Honda Goldwing Four wheels move the body. Two wheels move the soul.
In this day and age it's a must to call the insurance company and get a quote before writing the check.
I just about bought a new GSXR-750 a couple of years ago and thankfully called my insurance guy before hand as it was 1400-1500 a year for full coverage.
Most of the naked bikes will fall into the non-sport bike catagory for the majority of insurance companies, not all. When I called progressive/Geko the spring before last for quotes on my '06 919 they were around 1200-1400 here in South Dakota.
My first bill for full coverage with American Family was 160.00 ish, which quickly dorpped down to 130.00 and a month or so ago it dropped another 27.00 dollars. So it's just a tad over a hundred a year now for full coverage 500 dollar deducts and 100/200/100 coverage for liability.
Sadly, I'll probably never own another full sports bike as no matter how much money I may or not have I'm not going to pay a 100.00 plus a month for coverage.
34 years old, no accidents on my record and two tickets. Single, house insurance, three vehicles insured plus the bike, no claims rate, etc.
I guess I don't under stand? We pretty much have the same coverage with the same company, I have no tickets or accidents, great credit and so on, so why is mine 300+ and your was 160 to start? Are your other vehicles and home with them as well?
Just for Comparison... and I have SHOPPED! My KTM 950 SM costs next to nothing ....(full coverage,) with the K8GSXR750 (liability.) Progressive- $475/ yr
Recently shopped a Hypermotard, and the INS. went up by 1K
I'm gonna call my agent on the motorcycle insurance and see if they offer better rates for my autos? That would also give me a multi discount and lower the bike...
Progressive can suck my left nut, if I can do better overall with someone else I'm gone! They sure as hell haven't been loyal to me, so why should I return the favor?
I guess I don't under stand? We pretty much have the same coverage with the same company, I have no tickets or accidents, great credit and so on, so why is mine 300+ and your was 160 to start? Are your other vehicles and home with them as well?
My vehicles and home are also insured through American Family, I'm pretty much always trading off one vehicle and everytime I do I ask for a better rate.
Pretty much a no-brainer that I can't drive two trucks and one car, plus a motorcycle, so I would hope I would get a big discount for that fact.
Don't really know how your credit rating affects things, but the last time I checked mine it was 797 a few months ago (A+).
No accidents, but two tickets on it. One of them should be about off, which means I'm most likely do for another one sometime soon as I can never manage to have just one on my record.
Re-read the post about the area you live. Some zip codes are on the red list for stolen vehicles. Others may have a high number of drunk related fender benders. The number of previous addresses tell them if you are stable. Insurance cos don't want a member who gets $$ back, they like the ones who pay for years and never make a claim.
This is a very subjective ordeal. After reading some of the other fantastically low insurance rates in another thread, I too called my insurance agent. My 919 is the only thing insured through Progressive and it costs me about 480 per year. That is a 2 year old with liability plus comprehensive, a 100/300 policy (whatever that means), and a $500 deductible. She said the reason it was higher was because of my 1 speeding ticket on my record and I have more than the state minimum. At the state minimum I would only pay $190 per year. I personally like the extra padding especially the comp. My comp. covers collisions with animals, and fire insurance (in case it is in the garage when the house burns down or if it has an electrical problem and the battery blows up and roasts the bike)
Re-read the post about the area you live. Some zip codes are on the red list for stolen vehicles. Others may have a high number of drunk related fender benders. The number of previous addresses tell them if you are stable. Insurance cos don't want a member who gets $$ back, they like the ones who pay for years and never make a claim.
Yea, I did some homework on Insurance. I found what I believe to be the variance in rates I was getting. My rates are actually good for the coverage I have. To get the coverage I currently have with another company like progressive it would be about 3 times as much. I will stick with what I have for now. My limits are high and deductibles are low, and with my age and having a family to care for I like having the higher limits. http://www.wristtwisters.com/forum/s...ight=insurance
Below is the post I added to the other Insurance thread.
Quote:
Originally Posted by Ripper
Ok, I spent some time on progressive web site inputting different information and here is what I found.
If you use the VIN # you will be entered as a "200x Honda 919"
or
You can bypass the VIN and CHOOSE "200x Honda CB900F (NOT 919)"
If you bypass the VIN you will be required to enter it to purchase the policy, so there really is no sense in trying to fool the system, let alone yourself. Cause it just isn't going to happen!!!
Keep in mind, I am 37 with A+ Credit and No Accidents or Tickets.
Anyway, here are some quotes (scanned images from Progressives web site) Hidden in these Spoilers. Providing images of quotes so there is no question of validity! Personal info blurred out and images cropped only for my own ID protection.
Bike selected Manually and no VIN entered
Spoiler:
Bike selected by VIN Number and Playing around with Coverages & Deductibles.
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