Why is insurance higher for the 919?? - Wrist Twisters
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post #1 of 51 Old 12-18-2010, 01:00 PM Thread Starter
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Why is insurance higher for the 919??

I priced insurance for a Hayabusa yesterday and it's LESS than for my 919 from the same company and with all coverages the same??????? I don't get it?????

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post #2 of 51 Old 12-18-2010, 01:12 PM
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Quote:
Originally Posted by soundman View Post
I priced insurance for a Hayabusa yesterday and it's LESS than for my 919 from the same company and with all coverages the same??????? I don't get it?????
second bike discount rate, remove 919 from the policy and you will see

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post #3 of 51 Old 12-18-2010, 01:22 PM Thread Starter
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I've had multiple bikes on this policy before and have been told that they don't offer it. Same thing when I insured an R6 about a month ago. It was also cheaper.

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post #4 of 51 Old 12-18-2010, 01:48 PM
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Perhaps they classify the 919 as a "sport bike" and the Hayabusa as a "touring" bike.

I have State Farm, and they price insurance based on displacement only. So typical cruisers pay more than liter bikes.

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post #5 of 51 Old 12-18-2010, 01:53 PM
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Absolutely......I'm paying more per month on the 919 than what I did on the Hayabusa through State Farm last summer......Still pretty pissed about that......

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post #6 of 51 Old 12-18-2010, 03:02 PM
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lol how much more?

seems kinda odd that a busa is more than a 919... i know the 919 is such a sought after bike by all those hooligan squids... LOL RIIIGHT.

alls i know i pay 120/yr for basic coverage on my 919... cheapest i have found. haha

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post #7 of 51 Old 12-18-2010, 03:06 PM
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get married and put the bike under your 30 year old wifes name It's real cheap then.

I may not have a lot to say but it doesn't mean I don't listen.
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post #8 of 51 Old 12-18-2010, 05:39 PM
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i pay around $450 a year full coverage for the 919.

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post #9 of 51 Old 12-18-2010, 06:51 PM
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Allstate. My 919 coverage was 250/year. Once I hit 30 and put the dirt bike on the coverage it was about 285/year. Full coverage.
Right now I'm paying about 500/year for my dirt bike and CBR1000. Full coverage. It helps that I live out in the sticks. The closest major city is 2 countys away.

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post #10 of 51 Old 12-18-2010, 07:33 PM
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All them Busa boys do is go in straight lines and putt around town. Don't see many in the twisties.....hence, cheaper insurance

When the green flag drops, the bullsh!t stops
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post #11 of 51 Old 12-18-2010, 07:45 PM
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Believe it or not.....the fat turds are quite capable.
Just have to take the chrome off first.


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post #12 of 51 Old 12-18-2010, 08:29 PM
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Quote:
Originally Posted by arctic954 View Post
Believe it or not.....the fat turds are quite capable.
Just have to take the chrome off first.

ya too bad the supermoto is gonna pass him next turn!

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post #13 of 51 Old 12-18-2010, 08:50 PM
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Don't quote me on this, but from what I remember from experience and some chatter around here is that the rates for 9ers went up significantly recently. I've got no idea why. Just a note from personal experience... When I got my first quote about a year before I bought my 919 liability only was like $75 a year (2 or 3 years ago). Now it's a little over $150 for just liability.

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post #14 of 51 Old 12-19-2010, 03:48 AM
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I have Farm Bureau Ins here in Tn. My insurance is exactly the same for my 919 and my KLR 650. $96.00 per year each. I'm old , but still shocked that its so low.

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post #15 of 51 Old 12-19-2010, 05:46 AM
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Is your insurance seriously that low down there? Jeez, I am a 40+ year old with a good record and I am paying $1150 a year and that is a pretty good rate. Younger riders are MUCH higher.

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post #16 of 51 Old 12-19-2010, 06:05 AM
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I'm 28. Perfect record, Live in ND, I'm at about 270 full coverage. If rates jump to double that will suck...think it has anything to do with that commercial where they trashed two 919's?

I may not have a lot to say but it doesn't mean I don't listen.
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post #17 of 51 Old 12-19-2010, 06:46 AM
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Quote:
Originally Posted by Ottawa919 View Post
Is your insurance seriously that low down there? Jeez, I am a 40+ year old with a good record and I am paying $1150 a year and that is a pretty good rate. Younger riders are MUCH higher.
Ontario is the worst place for insurance in the country. A friend of mine moved from Alberta to Ontario. She is almost 40 with two bikes. Here she paid about $500/yr for both bikes, plpd only. Ontario she got quoted about $5000/yr plpd only. I paid $260 oon my 9er last year. again only plpd but I also have three tickets against me. Look at getting your insurave in Quebec, I heard it is a lot cheaper.

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post #18 of 51 Old 12-19-2010, 08:12 AM
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Insurance...what Insurance???? I had my 9er for 7 years and never had insurance on it...

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post #19 of 51 Old 12-19-2010, 10:26 AM
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Quote:
Originally Posted by websch View Post
Insurance...what Insurance???? I had my 9er for 7 years and never had insurance on it...
I hope you're joking. Or it's a track bike.

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post #20 of 51 Old 12-19-2010, 10:28 AM
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Wow! I had no idea we were being gouged so bad. There are so many people in Ontario that just can't afford to ride because their insurance for a year is more than the price of a used bike in many cases.

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post #21 of 51 Old 12-19-2010, 10:35 AM
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Make sure they quote your bike as a cb900f, not a 919....you'll save a fortune! We all know it's the same bike, but the insurance companies haven't got a clue....it sure made a difference on what I pay





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post #22 of 51 Old 12-19-2010, 11:12 AM
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Insurance is a weird beast. I have 1 car with full coverage, 1 truck with liability only, and my homeowners insurance with StateFarm. The 9er is insured (liability only) through Dairyland insurance. I've hit up my StateFarm agent several times to see if they can ever pull their head out of their ass and get me a decent deal on insuring the 9er. Last quote, over $250 for a year of liability only. My credit is decent, I haven't reported an accident in over 10 years, I'm 30 and have a multi-line discount with them. My rate with Dairyland is currently $96/year, and as soon as I fax them proof of homeownership it's going to drop a little bit more. Theres a 4% discount applied to that, though you wouldn't guess 2% for basic MSF and another 2% for the advanced riders course.

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post #23 of 51 Old 12-19-2010, 11:58 AM
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Quote:
My rate with Dairyland is currently $96/year
I pay $96 a month with State Farm and I have a house and two cars and about 25 years history with them. Consider too that we pay year round in Canada and like those of you in the northern states, we can't ride 4-5 months of the year!

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post #24 of 51 Old 12-19-2010, 12:15 PM
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Quote:
Originally Posted by velodesign View Post
get married and put the bike under your 30 year old wifes name It's real cheap then.
I still can't fathom how insurance companies get away with this crap, with all the anti-discrimination laws in place nowdays. (regardless of stats, etc.)

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post #25 of 51 Old 12-19-2010, 12:40 PM
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Quote:
Originally Posted by Ottawa919 View Post
I pay $96 a month with State Farm and I have a house and two cars and about 25 years history with them. Consider too that we pay year round in Canada and like those of you in the northern states, we can't ride 4-5 months of the year!
I pay $ 16.50 a month in Alberta from Liberty Mutual for my 919.
I'm the only licensed rider in the house.
We have our two cars and house with them.
I get a 10% discount for my SAE membership.

It didn't start that way though.
When I called in early 05 before I bought the bike new, I hadn't had a bike insured for 10 years. And any Honda with "CB" in the model was deemed as high performance and instantly punted into the secondary insurers pool which meant stupid high rates. It ended that they agreed it was a gentleman's sport tourer targeted at old guys like me.
Following is the annualized history on the 919 re Insurance cost (basic coverage only, no collision
2005 $262
2006 $302
2007 $218
2008 $277
2009 $198
2010 $198

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post #26 of 51 Old 12-19-2010, 02:12 PM
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32, married, clean history, only policy with them is the 919. '07.

282 full coverage.

Progressive.

Got a quote through Farmers (I work for them, but not on the insurance side of things, but do get an employee discount) and they couldn't touch Progressive on the bike. On the cars and house they were cheaper tho.

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post #27 of 51 Old 12-19-2010, 03:06 PM
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About 20 per month and I keep it full insured all year.

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post #28 of 51 Old 12-19-2010, 03:17 PM
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Man, I am so jealous right now. My wife might have let me get a CB1000R if I was only paying as much as you guys!

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post #29 of 51 Old 12-19-2010, 03:28 PM
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Quote:
Originally Posted by Farab View Post
I still can't fathom how insurance companies get away with this crap, with all the anti-discrimination laws in place nowdays. (regardless of stats, etc.)
Insurance companies and governments are imune from them.

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post #30 of 51 Old 12-19-2010, 03:42 PM
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Everybody with a lot of different prices but no one is giving just how much coverage they have. I pay 460 full coverage with 250 deductable with 500k-1million liability or something like that on the Goldwing.
Same coverage for the ZX10 is 560. Same coverage for the XR600 is 270.
Amost
500.00 for
the ZRX and 380.00 for the Hawk. I think if I liability
only'ed them, i'd fall into the oh my god thats cheap catagory. I'd prefer just to pay it and god forbid I did something that was really out of line,I wont lose my house over it or end up paying for it for the rest of my life.

That'll work........
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post #31 of 51 Old 12-19-2010, 04:43 PM
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$208 for full coverage plus a higher liability then La. requires.
919 and BMW K1200RS, I was shocked at the low KRS price!
Being 102 and accident free helps too.

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post #32 of 51 Old 12-19-2010, 07:18 PM
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$415 a year, full coverage 2007 919, clean driving record, Michigan is a no fault state which premiums are higher

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post #33 of 51 Old 12-19-2010, 07:26 PM
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Quote:
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Being 102 and accident free helps too.

That'll work........
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post #34 of 51 Old 12-20-2010, 01:59 AM
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I have the minimum insurance. I'm not a believer in insurance. If it was a good deal for ME they wouldnt sell it to me. I've always been that way and I've heard plenty of horror stories about ins. co.s not paying claims or paying rediculously low amounts. Just MY opinion. To each his own. Florida does not require insurance on motorcycles and I lived there for many years and only had insurance on one bike (a Goldwing) and that was because we were riding to Canada and and I had to to have ins. to cross the border. In 50 years of riding and owning 64 motorcycles I've saved a ton of money. Only 2 street crashes ( a BUNCH of dirtbike crashes) and the worst was my Speed Triple with $1200.00 in cosmedic parts and my labor. Yeah , Ive been lucky....but the insurance companies get a LOT luckier.

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post #35 of 51 Old 12-20-2010, 05:14 AM
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Around $250 for full coverage/$250 deductibles or so for my 919 under Country Insurance. Around here, the only company that comes close is Progressive, but they don't insure anything else I have. I don't like to split coverage between companies so they have to insure the house, cars, boat and bike. We also have life policies with them.

From what I have been told by several insurance agents, is that generally speaking, the more of a given population a company insures, the more claims they have to cover and the less competitive their rates can be. I think at the time, State Farm was the largest insurer of motorcycles when I was with Progressive. Since they had to pay out the largest share of claims, Progressive absolutely crushed their rates. Country has a very small piece of the pie, so their rates are even lower.

That brings me to another point. If you aren't shopping around every 5 years or so for insurance you are probably being robbed. I saw one person above says they have been with their insurer for 25 years. Country is the longest for me so far and it's been 8 years I think and I am looking around.

The State Farm commercial always cracks me up. Get 40% discounts! 40% off of what pal? 40% off $1,000? You can keep it.

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post #36 of 51 Old 12-26-2010, 10:31 AM
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I think State Farm wants $650 a year. I wish I could get only theft and uninsured driver
for $325-375.
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post #37 of 51 Old 12-26-2010, 11:05 AM
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post #38 of 51 Old 12-26-2010, 12:38 PM
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Sorry ya'll my total insurance bill for full coverage on both the 9er and the XR650L is $75 per year, don't know if it'll go up when it comes due in July or not.


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post #39 of 51 Old 12-27-2010, 11:21 AM Thread Starter
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Quote:
Originally Posted by curiousmike View Post
Perhaps they classify the 919 as a "sport bike" and the Hayabusa as a "touring" bike.

I have State Farm, and they price insurance based on displacement only. So typical cruisers pay more than liter bikes.
I have state farm too and my 919cc cb900 costs more than my recently acquired 1300cc Hayabusa.

$47 per month on the919
$38 per month on the Hayabusa.
Same coverages on both bikes.

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post #40 of 51 Old 12-27-2010, 02:08 PM
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$568 per year here in CO, $500 deducts comp/collision, 100-300 liability to meet my umbrella with Allstate. I used to have a V45 Magna, and switched to Progressive when Allstate first wanted to get out of the m/c business. They have since decided to opt back in and lowered rates. Not any better applying online to different places, and the couple of quotes I got elsewhere are consistent with this, so I have stuck with Allstate so far. I had State Farm before with the Magna and it went down when I switched. DB

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