Insurance Rates - Wrist Twisters
 
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post #1 of 37 Old 10-07-2008, 09:52 PM Thread Starter
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Insurance Rates

I did a search and the only 919 insurance post I found was from 2 years ago. So, I'm curious what you are paying for your 919 insurance??? I got my quote today and it was higher than I expected. I'm older, no current tickets, great credit, etc..... And Allstate wants about $500 per year (for full coverage). The Shiver was dirt cheap at about $150 per year.

Thanks, Steve

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post #2 of 37 Old 10-07-2008, 09:55 PM
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Its in my dads name 47yo, clean driving record in his car and on his bike, MSF course (i have taken it to). and it is $256 for full coverage. I will check what company it is tomorrow.

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post #3 of 37 Old 10-07-2008, 10:21 PM
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I am 20 but put insurance under my fathers name with myself listed as a rider and it is $350a year through travelers. We have three bikes under the same policy. 2 Shadows and the 919. I think it is like 750 a year for all three.

'04 919---40k----6/18/10 SOLD

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post #4 of 37 Old 10-08-2008, 01:04 AM
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dudes,
i called progressive today, to get some clarification on my policy, im paying around $72 a month, full coverage.
the 919 is NOT the same as the cb900f in their eyes
should i find cheaper coverage?
i dont want to shoot myself in the foot getting cheaper, but crappier insurance at the same time, any and all help is greatly appreciated.


Bill





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post #5 of 37 Old 10-08-2008, 02:04 AM
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I'm still shopping myself for insurance as my 919 is on its way here. Initially I called Progressive, who insured my 650 vstar for $221/yr full coverage, and made sure to the agent that its a 919 and he said yeah I know, "its classified as "streetbike B", but your insurance will be $1,945/yr, or $1,450/yr if we pick the highest deductibles"...I was instantly bummed. Called State Farm, who insures my truck, and the lady said maybe $400/6 mths, but I should really come in to talk. I went to Progressive online, found cb900f (919) and inputted Hawaii's state minimums plus 1K deductibles for comprehensive/collision, and to my surprise I got a quote for $173/yr!!! Are the agents there on the phone to sell you the highest or do they not know what's up? For me I'm gonna sit with State Farm and see what they can offer. Oh, I'm 35, good driving record, MSF discount, bike can be garaged (those are the data I put online to get my quote, theyre real of course lol). RedRokr, try going online and playing with the numbers. Good luck!

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post #6 of 37 Old 10-08-2008, 03:29 AM
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I've been pricing insurance these past few days since my auto policy is due for renewal. I've found Progressive to be very high, State Farm & American family come within 3 bucks of each other on the Bike and state farm is 300 a year cheaper on the auto and 155 cheaper on my home owners.

Over Coverage on everything (High limits) and 100/500 deductibles for the bike and autos.

Looks like I'm going to be a state farm customer.

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post #7 of 37 Old 10-08-2008, 03:48 AM
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I shopped insurance earlier this year -- sent RFQ's to Allstate, Nationwide, Progressive, and Geico -- and found Allstate to be (by far) the cheapest.

2007 Suzuki Bandit 1250SA
Allstate
Age 43
Clean license
$212/year
Full Coverage (Collision & Comprehensive)
Policy is 100K/300K/100K
$500 Deductible
MSF BRC & ERC
Motorcycle endorsement license

2009 Honda Goldwing
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post #8 of 37 Old 10-08-2008, 05:53 AM
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Many insurance companies know nothing about bikes and have the 919 and cb900f both listed as options. I tried both on a couple websites and found a significant difference in price. I pay about $300/year with State Farm for full coverage with $1000 deductible on my cb900f.

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post #9 of 37 Old 10-08-2008, 06:25 AM
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Insurance Co's will wright it up as a cbr900 if they can get away with it. The "R" designation jacks up the price. Make sure they know it's a cb900f and you'll save money.

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post #10 of 37 Old 10-08-2008, 07:48 AM
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I have both the 919 and the XR650L covered by Progressive with full coverage on both, my policy runs $75 per year................sorry.

Dan

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post #11 of 37 Old 10-08-2008, 08:05 AM
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34 years old, single, two tickets on record, no accidents

Three vehicles insured, house insured all through American Family

'06 Honda 919 with 500 deductibles, just dropped to around 103.00 a year.

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post #12 of 37 Old 10-08-2008, 08:06 AM
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Quote:
Originally Posted by voodooridr View Post
I have both the 919 and the XR650L covered by Progressive with full coverage on both, my policy runs $75 per year................sorry.

Dan
Please explain the details VooDoo.

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post #13 of 37 Old 10-08-2008, 08:51 AM
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Being an aging fart and having a clean record helps, going through a broker also helps.
Give Mike Felder a call
http://www.7cycles.com/

Dan

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post #14 of 37 Old 10-08-2008, 12:43 PM
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I pay $28 a month on my parent's policy, but it is all in my name, if that makes any difference.

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post #15 of 37 Old 10-08-2008, 01:20 PM
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I am at $92 a month with State Farm, 30 no tickets/accidents. Really gonna start hunting some better rates now!

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post #16 of 37 Old 10-08-2008, 01:24 PM
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i pay 480 for 6 months with a medical in case i get hurt.. 40 years old (tomorrow) no tickets 1 accident and 2 stolen vehicles in the last 8 months.. i have state farm..



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post #17 of 37 Old 10-08-2008, 02:09 PM
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I'm 24 and have a clean record except for 1 speeding ticket.

I go through Progressive and have Liability + Comprehensive and it costs me $480 per year. I spoke with my representative today and she told me it will go down about 25-30% next year (after turning 25) and will go down another $10 per month after my ticket is gone in October 09.

Press Any Key To Continue.
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post #18 of 37 Old 10-08-2008, 02:20 PM
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I stand corrected. My company is American Modern Insurance Group, and all they do is specialty insurance (bikes, motor home, ect.)

I called to clarify my policy and now am 100% sure that I am getting a good rate and not in the wrong classification of motorcycle. I was told that I was actually over insured, but I would rather that than not enough with a family and all.

http://www.amig.com/products/

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post #19 of 37 Old 10-08-2008, 06:42 PM
 
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I'm 20, no tickets or accidents. Progressive gets me for 800/yr on the 599. It's the cheapest i've found....

Quote:
Originally Posted by Ripper View Post
I stand corrected. My company is American Modern Insurance Group, and all they do is specialty insurance (bikes, motor home, ect.)

I called to clarify my policy and now am 100% sure that I am getting a good rate and not in the wrong classification of motorcycle. I was told that I was actually over insured, but I would rather that than not enough with a family and all.

http://www.amig.com/products/
Have you ever checked on the insurance they have over at Hayden? Supposedly they're supposed to have good rates, I haven't had a chance to check.

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post #20 of 37 Old 10-08-2008, 06:56 PM
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Interesting.
2006 Honda 919. Age 37, no accidents.

My current coverage is State Farm. $331.00 annual premium for full coverage.

I just did a quote on Progressive: $75 annually for liability, $209 for full coverage $250 deductibles comp & collision.

Looks like I will be having a discussion with my agent when my policy comes due. I have a house and 2 four wheeled vehicles insured with S.F.

2006 Honda 919
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post #21 of 37 Old 10-08-2008, 07:07 PM
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Quote:
Originally Posted by voodooridr View Post
I have both the 919 and the XR650L covered by Progressive with full coverage on both, my policy runs $75 per year................sorry.

Dan

919 and WR250R costs me $75 a year for each, from progressive.

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post #22 of 37 Old 10-09-2008, 03:23 AM
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Quote:
Originally Posted by hysteria View Post
I'm 20, no tickets or accidents. Progressive gets me for 800/yr on the 599. It's the cheapest i've found....



Have you ever checked on the insurance they have over at Hayden? Supposedly they're supposed to have good rates, I haven't had a chance to check.
Thats where I bought the Bike and Got the Insurance.

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post #23 of 37 Old 10-09-2008, 05:18 AM
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The Real Deal!!!

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.

Discounts applied are:
• Association Discount
• HomeOwner's Discount
• Multi Policy Discount (Discount savings: $18)
• Paid-In-Full Discount
• Responsible Driver Discount
• Safety Course Discount
• Transfer/Prior Insurance Discount



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.
Spoiler:




















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post #24 of 37 Old 01-20-2009, 02:41 PM
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Quote:
Originally Posted by Ripper View Post
Ok, I spent some time on progressive web site inputting different information and here is what I found.
Since the images are no longer up - can you post the actual numbers in text for reference?

Thanks,

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post #25 of 37 Old 01-20-2009, 07:49 PM
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At 51 years old, no tickets and no accidents I pay 178.00 a year thru esurrance.com for my 919

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post #26 of 37 Old 01-20-2009, 07:54 PM
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Quote:
Originally Posted by mtjsr View Post
At 51 years old, no tickets and no accidents I pay 178.00 a year thru esurrance.com for my 919
thats just liability right??

cause i pay 950 a year for full coverage with a medical plan



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post #27 of 37 Old 01-20-2009, 08:40 PM
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I just renewed Nov 15, @ $504 /yr w/ fire+ theft. 25, no accidents/tickets. and I think I have $500 deductibles.

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post #28 of 37 Old 01-21-2009, 05:07 AM
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Some of you guys are getting good rates. Me? here's the best I could do: 57 y/o, no tickets blah blah blah.....Liability only = $326 a year, Bikeline/Markel............Sheesh!

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post #29 of 37 Old 01-21-2009, 05:13 AM
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Hmm..... I better shop around..... but I bet in NJ, I am beat

State Farm 100/300 Full Coverage $600/yr

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post #30 of 37 Old 01-21-2009, 10:17 AM
 
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Quote:
Originally Posted by barton664 View Post
thats just liability right??

cause i pay 950 a year for full coverage with a medical plan

Yes, liability only!

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post #31 of 37 Old 01-21-2009, 11:03 AM
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27, male ,vegas ,clean record. 919 progressive comp and liability $210 a year.

my dr650 is only $80 or $90 a year

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post #32 of 37 Old 01-24-2009, 01:29 PM
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let me see if I can find the pictures. I cleaned out my photobucket account to free up some space... Hard to believe I ran out!

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post #33 of 37 Old 01-24-2009, 01:36 PM
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well, unfortunately I deleted them from photobucket and can't locate them on my computer. I will look around for them though.

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post #34 of 37 Old 01-25-2009, 08:00 AM
 
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I have progressive on my 919. Rest of the vehicles and house are insured through American Family.

IIRC I'm paying 350/yr for full coverage on my 919... The deductable is either 500 or 1000.

Insurance rates are not solely based on what you ride. They take driving record, vehicle insured, age, marital status, student status, and credit score into account.

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post #35 of 37 Old 01-25-2009, 08:18 AM
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Quote:
Originally Posted by nate View Post
I have progressive on my 919. Rest of the vehicles and house are insured through American Family.

IIRC I'm paying 350/yr for full coverage on my 919... The deductable is either 500 or 1000.

Insurance rates are not solely based on what you ride. They take driving record, vehicle insured, age, marital status, student status, and credit score into account.
I'll have to go back and do it all over again... I can find any of the quotes I had scanned in, which reflected a good portion of the variables associated with insurance. It will be a while though... that took me the better part of 4 hours to do the first time.

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post #36 of 37 Old 01-25-2009, 09:19 AM
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My parents were with a company for 25 years as they always said no one can touch us on price and also that you should stay with a company because it looks bad switching all the time. I say total bs.

Geico and progressive gave me the same ordeal. I have switched nearly every year in the past 3 or 4 years and only have gotten cheaper and cheaper insurance.

I currently have Erie insurance paying just under $600 a year full coverage.

Try gmac insurance. They have some nice rates and features, such as passenger liability, accessory coverage is up to $1,500 and deductibles at $150 all for just over $600 a year.

I am 25 with decent credit when i got the quote.

Also check www.bike-line.com they were cheap last time i got a quote.

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post #37 of 37 Old 01-25-2009, 06:31 PM
 
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insurance

46 yr old male, clean record, 20007 919, FL resident had allstate and it was 358 a year. Just switched to Nationwide for 287 a year same coverage.

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