bummed out on the cost of insurance

hey, i am 19, and this will be my first bike (01-03 F4i). i called insurance and they said it would be around 1500 per year. is this normal for someone like me, or is there a good insurance company who doesnt rob motorcycle customers? lol

is this for liability or full coverage. If it is for full coverage that doesn't sound too bad to me. Who are you going through?

Two words...STATE FARM

ur getting robbed, im 19 turning 20 in like 6 days, and i only pay 200 a year, its not full coverage or anything but i have a very good insurance policy. ive never had any tickets or accidents though so that might affect the price alot

i just got my quote for my 04 cbr f4i, 325 a year full coverage allstate

see if Country is available where you are... i pay $22 a month for full coverage, even non-insured coverage.

im goin through farmers, but the lady is making it based on the cc's of the bike, i dont guess she is really looking...i dunno, ill try to see what i can do

Yeah State Farm


When I was 21 and bought my '02 Katana 600.....I called Progressive (who I have my auto insurance through) and they said $3,600 a year!!!!!!!!!

I was like...ummm...no....that would've been more in insurance that I would've paid in 2 years than the bike's value/cost

yea its a shopping game, im going through progressive, some say its not as good of a deal, but i think i got a good deal.

those of you stating full covergae for 25 a month and around that what do u consider full coverage? collision unisured motorist and everything? if so please share who you go through im 23 no tickets or accidents and min full covergage with a 500 deductible is still running 1227 a yr.

I have mine through met home and auto. I have a few other policies with them, no accidents or tickets, i'm 28, and pay around $400 a year with full coverage and $250 deductible.

less than 1 year on MC license
Statefarm has one of the best motorcycle price... my car cost double more lol

230bux for liability and uninsured
70bux more if I want comprehensive but im still thinking about it


also if you have a car or other policy on any insurance usually you get good discounts.

$24 a month for progressive here. I am 21 have an 02 f4i thats liability only. I figure this is my toy not main vehicle so if I wreck it I will have to save up and pay to fix it. heck at the price of full coverage I can buy a brand new bike every other year.

my 04 subaru STi was $5000 a year for full coverage!! ha I was only 18 when I bought that though

quote:

ORIGINAL: Leveltwo

im goin through farmers, but the lady is making it based on the cc's of the bike, i dont guess she is really looking...i dunno, ill try to see what i can do

Your age is going to hurt you. I've heard of higher rates than this though.

Make sure you tell her that the CCs are 599, which is the actual displacement of the CBR600s.

i pay $800 a year with progressive...

this includes basic liability, and comp (theft, fire, vandalism, deer, etc.) with a $250 deductable.

that was before I took the MSF and i only had my permit...

1 not at fault accident
2 tickets

two come off at the end of the year... :)

Yeah liability coverage was only $30 a month for me thru Progressive when I had my Katana 600 back in 2002


Check out State Farm though.....
Because when I got my full coverage on my bike this year....they said the driving record didn't matter. It was either you're insurable or not insurable (DUI's, too many tickets)...one or the other. NO extra costs for tickets or anything like that---on motorcycle insurance only.

If you have Auto insurance thru them as well then it'll be cheaper.

I paid $470 for the year for full coverage & that was with broadened collision coverage. Meaning if someone hits me or I hit someone & it's not my fault....then the deductible is waived. My deductible is the max, $1,000, I think. But even so...if I drop the bike or something...I'm gonna fix it myself for cheaper and not take the risk of making my insurance rates go up. Just A LOT safer than having liability coverage only.
Oh & I'm 25....with 2 speeding tickets that come off this year.


They're probably the best deal for full coverage motorcycle insurance.

State farm told me the same thing. Accidents and tickets don't matter when it comes to motorcycle insurance either the underwriter accepts you or declines you. The CC's change everything. I'm 21 years old and I have a 10 year old bike and it's costing me $98.75 a month to insure my 1996 Honda 900rr. When I turn 23 it will do down more when I turn 25 the cost will be a third of that. On the computer the insurance people just see your name the year of the bike but what changed everything about my policy was the cc's. He did a 2006 900 vs. a 1996 900 and it was only a couple of dollars difference. Going 600 to 900 was a huuugggggggeeeeeeee difference. I'd pay no more than $60 bucks for a month on a 2006 600rr. I couldn't believe what he was showing me! I could own a brand new bike for less than my 900rr but, I LOVE MY BIKE!

i got insurance with farm bureau and i only pay about 400 a year for both my bikes and thats full coverage thers some places that will rob you blind and thers some that wont you just got to get quotes untill you find one thats not too bad

thanks guys, the info helped me...im gonna call state farm, progressive, country, and geico on monday, ill post here what i find

I tried every motorcycle insurance I could find I even tried 2 of the ones in motorcyclist magazine that only insure bikes. I tried a company that finds the best deal and the best deal they had was right around $3000 full coverage and medical coverage for the year. I didn't pay that for my bike. The only reason I have full coverage is because of the fresh paint job I just got. In michigan we have no-fault insurance and they make it as confusing as possible. We have this fee and that fee. They charge $160 a year just for some catastrophic fee set forth by our lovely government. I hate the state of Michigan and I hate insurance agencies its all a bunch of bull. By the time you are old enough to get cheap insurance you are usually able to afford whatever you wan't. Yet when you are under 25 and can't really afford the insurance they bend you over backwards. Last year I was going to lease a 05 ram 1500 with the 20's and the payment was like 215 a month with 1000 down and they wanted 350 a month for insurance! Its horrible the way these things go.

Yeah i have Auto through Geico and wanted to charge $4,000 for insurance. Yeah right!!!!!! But I ended up using Progressive , full coverage and $500 deductibles for $1,200 a year and its only $250 a year for just Liability. Never tried State Farm though might have to look into that.

I am 20 years old, had my drivers license suspended for 6 months have a 2000 F4 and pay $211 a month for full coverage and that is everything covered. I wrecked last year, $4,000 in damage and they paid for everything even got a few goodies instead of stock parts. I have had a lot of speeding tickets and a couple accidents, 1 in car and 1 on bike. So im getting raped with insurance.

Insurance is a crazy thing. 1st off they play games with you, they look at your credit and where you live, kinda like economic profiling. They are not supposed to look at your credit anymore but some companies still do. I have Geico and I moved 10 miles away and it raised 60 bucks every 6 months. When I first called them they told me something like 1600 a year. After reading the online policy I saw that they tried to take me for every thing, they had 1 million on personal injury and crap like that. I dropped it down to only theft and 50k injury( I am not sure of the exact numbers), basically the minimum and now I pay 400 a year. I figure I really only need theft, If I wreck it at my own fault I will just buy another, if some 1 else is at fault I will make them buy me 1. I know financing a bike makes it worse because of the full coverage you need. My wife had an 04 Katana that was 140 a year, lmao I wish the F4I was that cheap. It is all a bunch of BS. Where I live Geico was the cheapest next to start farm, but they have a notorious record of dropping people after 1 claim.

02 f4i state farm 220 a year full coverage 500 dec.

quote:

ORIGINAL: quil900

State farm told me the same thing. Accidents and tickets don't matter when it comes to motorcycle insurance either the underwriter accepts you or declines you. The CC's change everything. I'm 21 years old and I have a 10 year old bike and it's costing me $98.75 a month to insure my 1996 Honda 900rr. When I turn 23 it will do down more when I turn 25 the cost will be a third of that. On the computer the insurance people just see your name the year of the bike but what changed everything about my policy was the cc's. He did a 2006 900 vs. a 1996 900 and it was only a couple of dollars difference. Going 600 to 900 was a huuugggggggeeeeeeee difference. I'd pay no more than $60 bucks for a month on a 2006 600rr. I couldn't believe what he was showing me! I could own a brand new bike for less than my 900rr but, I LOVE MY BIKE!

umm....the underwrite accepts or declines you based on your tickets and accidents. So yes, it does matter......