What do you pay for insurance on a 919? - Wrist Twisters
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post #1 of 43 Old 04-24-2006, 10:15 AM Thread Starter
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What do you pay for insurance on a 919?

I admit I'm spoiled. I have been paying $133 per year for my Honda Magna. When I got an SV650 it was only $288. I asked about a 919 and I got $806 from Geico (where the SV was insured) and $733 from Progressive (where the Magna is insured). I may have to get a 599 or something... insurance rates are crazy on bigger cc bikes!

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post #2 of 43 Old 04-24-2006, 10:35 AM
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Insurance premiums are very subjective, age,driving record, state, even town to town within the state play a big roll. Recently there was a thread about this subject going on over at project919. There was rumblings that the 919 was being reclassified as a sport bike and that premiums would be going through the roof. Anyway; my Progressive renewal policy recently came and the yearly rate actually went down a few bucks. Full coverage for 100,000 300,000 with 250 deductible for collision/comp. cost is $148/year. Not to shabby...

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post #3 of 43 Old 04-24-2006, 10:41 AM
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Quote:
Originally Posted by m51142
cost is $148/year. Not to shabby...

Is that with or without the AARP discount?




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post #4 of 43 Old 04-24-2006, 10:44 AM
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Quote:
Originally Posted by dadogs
Is that with or without the AARP discount?
Ouch! LOL

I shell out something like $870/yr to those thieving bastiges at State Farm for full coverage w/ a $1000 deductible. You can bet I'm going to liability as soon as I pay the loan off.

2002 919 40,000 miles
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post #5 of 43 Old 04-24-2006, 10:55 AM
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Quote:
Originally Posted by dadogs
Is that with or without the AARP discount?
Ouch...
Just keep working and paying into Social Security. Your donations paid for my Sato's

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post #6 of 43 Old 04-24-2006, 10:55 AM
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Mine is approx. $250 every six months with Farmers. And that's with one claim on it.

They're still thieving bastages as far as I'm concerned!

I hate paying Insurance Companies!!

It's a fool who looks for logic in the chambers of the human heart.
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post #7 of 43 Old 04-24-2006, 10:59 AM
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Quote:
Originally Posted by m51142
Ouch...
Just keep working and paying into Social Security. Your donations paid for my Sato's

Hmmmmm gotta point there bud.

I pay $543.24 a year. Full coverage State Farm.




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post #8 of 43 Old 04-24-2006, 11:12 AM
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Quote:
Originally Posted by m51142
Insurance premiums are very subjective, age,driving record, state, even town to town within the state play a big roll. Recently there was a thread about this subject going on over at project919. There was rumblings that the 919 was being reclassified as a sport bike and that premiums would be going through the roof. Anyway; my Progressive renewal policy recently came and the yearly rate actually went down a few bucks. Full coverage for 100,000 300,000 with 250 deductible for collision/comp. cost is $148/year. Not to shabby...
Well.. it is insurance renewal time for me soon as well... so I went and checked my renewal premium. Mine goes up this year by $20 to $185 this May. Oh well

I completely remember the panic thread about the 919 was going to be reclassified as a sport bike and I was anticipating massive increases to my policy... so I upped the payments and almost have her paid off a full year early. Was going to drop to only liability coverage. Not now tho. Oh well? It's still going to be a nice feeling to hold the title and know it's totally mine.

My coverage isn't as good as yours is Mike. Its like 25k/50k/15k with a $250 deductible.

- Rev. CYCHO -

tires.... it's what's for dinner!
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post #9 of 43 Old 04-24-2006, 12:09 PM
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Insurance is a bit of a strange creature. I've been with Geico for about 15 years because the rates really are tough to beat and they kiss my backside whenever I sneeze. But the RC51 ($10,000 bike) was in the ballpark of $800 per year, the 600RR ($8,000 bike) was around $675 per year and for the R1200GS (a $15,000 bike) it's a whopping $335 per year.

Now I know it all has to do with theft rates, power and "sportbikiness" but (and they don't need to know this) I'm just as aggressive and only slightly slower on the big pig than I was on the sportbikes, just much more comfortable. Give Geico a shot, can't hurt.

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post #10 of 43 Old 04-24-2006, 01:27 PM Thread Starter
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Quote:
Originally Posted by m51142
Insurance premiums are very subjective, age,driving record, state, even town to town within the state play a big roll....
I know, but the only thing that changes on either policy is the bike. I'm just amazed how much more my insurance will be just because the bike has a bigger engine! It looks like I'll be shopping for insurance for a while.

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post #11 of 43 Old 04-24-2006, 02:32 PM
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03 919

last year up 20$ from before at @ 330 with 1k deductible

It went down due to adding my quad but not much.

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post #12 of 43 Old 04-24-2006, 03:36 PM
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mine went from under $700 to over $1300/yr for FULL coverage, no accidents, etc.

liablity only is $148/yr
my DR650, liablity only, $48/yr

this is in NJ, insurance hell of the U.S.

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post #13 of 43 Old 04-24-2006, 04:16 PM
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...also in New Jersey...GEICO full coverage is $1058. Progressive full coverage is $358.

post #14 of 43 Old 04-24-2006, 06:16 PM
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03 919
28 years old, No tickets, no accidents.

State Farm, full coverage 430 a year - 100 dollar deductable

Awarble,
07 Honda CBR600RR
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post #15 of 43 Old 04-24-2006, 07:52 PM
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37 w/ a clean record 'cuz I'm slow and boring to ride with. '03 Niner through my Safeco rep (Progressive) is $369 / yr for the full meal deal. $37 of that for an additional $1000 (from standard $1000) in parts and another $8 for full roadside assistance.

post #16 of 43 Old 04-25-2006, 12:32 PM
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26 years old.

02 919
full coverage with $250 deductable
$244 per year with State Farm insurance

first post!
chris<pixelmonkey>

post #17 of 43 Old 04-25-2006, 12:39 PM
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Welcome aboard PixelMonkey! I used to live near Stillwater (Dodge City KS)




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post #18 of 43 Old 04-25-2006, 06:09 PM
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I'll weigh in! I pay $340.00 per year for full coverage with a $500.00 deductable. Using Pacific Specialty Insurance in California.

post #19 of 43 Old 04-25-2006, 09:13 PM
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About 500.00 /yr here in FL for full coverage. 10,000 10,000 500 deductible

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post #20 of 43 Old 04-26-2006, 07:59 AM
 
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2 accidents (919 hit by car, which somehow came out to 10% my fault on the police report, what a crock, and one very rearended civic via my blazer and a hint of distraction) and 1 ticket for 91 in a 70, full coverage ~600 with farmers. No complaints. Now my car insurance, that's a different story.

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post #21 of 43 Old 04-26-2006, 08:15 AM
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04 919.Paid in full. Liability 78-85. Full coverage.= $ almost 3 grand. In North Carolina there is no Geico.

post #22 of 43 Old 03-20-2008, 07:44 PM
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I pay 236 a year for my '00 Rex with Geico and 369 a year for my '02 919 with Progressive both have identical full coverage (limits and deductibles).

Quoted them the other way around and Geico wants 730 for the 919 and Progressive wants 780 for the REX, talk about ridiculous.

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post #23 of 43 Old 03-20-2008, 08:22 PM
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04 919 with i think 500 deductable...paid in full for a year with progressive....$650 or so. oh i'm 24 years old, been riding for 2 years.

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post #24 of 43 Old 03-20-2008, 08:55 PM
 
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i was a little shocked.

my insurance went up over a hundred bucks when going from my '05 r1200gs to the '04 919 for the same exact coverage from the same company.

330.00 per year 250 deductible full coverage. even though i hold the title, i still got full coverage as it was only a small portion of the total cost.

Dairyland is the carrier. i quoted Progressive as well, they were similar in price so I kept the coverage through Dairyland as they've been good to me.

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post #25 of 43 Old 03-21-2008, 03:43 AM
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07 919
40yrs old
2 tickets
450.00 a year some goofy ins co through ga farm bureau

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post #26 of 43 Old 03-21-2008, 06:25 AM
 
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'04 919
40 years old and no tickets
Full coverage
$180/yr from Progressive

When I was shopping around I found that some insurance companies had the 919 listed twice, as a Honda 919 and as a Honda CB900F. I recall selecting the Honda 919 and being quoted $1000+ but when I selected CB900F it was less than $200.00 yr. This was back in 2004 when I bought mine and I've been with Progressive ever since.

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post #27 of 43 Old 03-21-2008, 06:29 AM
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Update on mine

'06 919 33 years old, two tickets on my record in the last three years.

Went from 183.ish last year down to 160.ish this year. Full coverage 500.00 deductable. (South Dakota)

Progressive and some other place someone told me about were 900-1300.00 a year.

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post #28 of 43 Old 03-21-2008, 05:04 PM
 
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23 years old
5points on license
liability only
rider insurance comp
$100 a year

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post #29 of 43 Old 03-21-2008, 05:36 PM
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I need to figure out this insurance thing. I went to Geico's site and they wanted @ $2000 a year...

Michael Reyes

2002 Honda 919 / 2009 Honda Civic Si Sedan
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post #30 of 43 Old 03-21-2008, 11:58 PM
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60 with single bike.$250 deduct and full coverage $236 thru American Motorcycle Ass. Was $385 at Progressive.

[
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post #31 of 43 Old 03-23-2008, 12:08 PM
 
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$288yr State farm, full coverage w/$500 ded. Also insure my tacoma and house through them. 25years old w/ clean record as of 12/2007.

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post #32 of 43 Old 03-23-2008, 01:51 PM
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Insurance

I pay 1500 a year for:

Volvo S60R
Chevy Tahoe
Mistubishi Mirage
Honda 919

USAA

Live free or die!
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post #33 of 43 Old 03-23-2008, 02:17 PM
 
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Im 22 and I pay 55 a month through progressive. Thats cheap compared to 488 a month that I would be paying if I owned a cbr600rr and thats with a perfect driving record.

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post #34 of 43 Old 03-25-2008, 02:58 PM
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Before I got my 919 I got quotes between $3000+ a year down to $250 with no collision. After shopping around I ended up finding good coverage with $500 deductible, collision, for both my 919 and my DR650 for under $500 a year.

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post #35 of 43 Old 03-25-2008, 03:24 PM
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For the 919, United Services Automobile Association (USAA) is $488/yr. W/$500 deductable full coverage.

I couldn't get "towing and labor" like my cars though, bummer.

I only insure 9 months a year so that's what, $366/yr.?

It barely registers on my policy what with my truck ($612/yr.) Wives Subie ($754/yr.) Daughters ZX2($810/yr.) (I pay the ZX2 'cause she's in college)

I plan to die young, as late as possible.
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post #36 of 43 Old 03-25-2008, 06:22 PM
 
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F'n agent!

So on the 15th of this month when I bought my 919 I met with a recommended (by the shop) State Farm agent. She gave me a quote of $271 a year for full coverage/$500 deductible. Ok, I'm happy, beat the crap out of the quote I got from Progressive ($800!!!!!) and GEICO. I sign up & off I go.

I even suggested Jr. talk to her about his policy. She quoted him a great rate for both his bike & car. All is good. About 2 hours later she calls him to say "oops, made a mistake, sorry it'll be a $100/month more". Screw that he says, stays with Progressive (that's who USAA uses here at least)-for some reason they gave him a great rate.

This afternoon this SF agent calls me to say "oops, made a mistake, sorry, the quote I gave you was the discount rate if you bring me your auto coverage also". I was furious. She also drives around in a Hummer H3 w/her face painted on the side, yeah, glad I went with her....not!

A co-worker recommended a friend that's with American Family, very nice guy, he just wants to confirm that they don't consider the 919 a "crotch rocket" to get me back to the $275 range. Sheesh. Can't wait to say "adios" to the "nice lady" from State Farm.

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post #37 of 43 Old 03-25-2008, 06:41 PM
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There is some expensive coverage out there! I paid something like 250/yr full coverage with progressive. Right now its 300/yr with my 02 919 and 07 CRF450x.

When getting a quote be sure to use a VIN. If you describe the bike to them it is going to me an incorect quote. usually many times higher than it would actually will be.

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post #38 of 43 Old 03-26-2008, 06:51 AM
 
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Just got off the phone with the American Family agent. Back down to where I should be, dropping the check off & signing the policy Friday. See ya lying SF agent!

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post #39 of 43 Old 03-26-2008, 07:51 AM
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$220/year for $500 deductible full coverage on my '02 919 through State Farm. No accidents, numerous petty tickets on my record. I was suprised that the same policy was $40 more for the 919 than it was for my old '03 R6. I figured insurance would be cheaper on a naked compared to a race replica but I suppose State Farm only looks at displacement of nakeds.

'02 919
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post #40 of 43 Old 03-26-2008, 07:07 PM
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I pay 720/yr for full coverage with a $250 deductible to Progressive Direct. I'm 46, married with kids and live in the sticks, also park in the garage. Ride for pleasure(fair weather only) less than 5000 miles a yr. I've owned this bike almost a year now. Clean Driving Record for 8 yrs. No claims.
Geico quoted $1756/yr same coverage. One company told me that they didn't insure that type of motorcycle(919)! Wow, can't remember the name but they specialize in cruisers I guess, and advertise inside the cover of RIDER magazine.
Called E-surrance for a quote becuase of the cartoon girl rides a motorcycle in the commercials, well they don't insure motorcycles at least at that time. We both laughed about them using bikes in the ads, she mentioned that I was not the first to assume they did.
Good luck finding decent coverage!

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