!!INSURANCE!! - Page 2

I bought my bike last year, and i was 19 when i bought it. No one would insure me except for my car insurance company and progressive. My F2 wasnt worth enough to put full coverage on it, so i just just did the minimum for what michigan reaquired, and it was dirt cheap, i think like 220 for the whole year. and then i cancelled it for the winter and got 140bucks back!

yea i know what u mean. i wanted to finance an '05 bike too but the insurance would have been $1500 a year plus the monthly payment for the bike. ill wait till im 21 then it will drop down to like $800. which is still alot but hey.... I am paying $455 a year now for just liability. I go through Rider Insurance.

astraldweller just dont have an accident cause progressive doesnt pay well, they use alot of used parts on cars and bikes if they can find them. i deal with ins all the time with me being in the autobody field, im not saying you have a good deal with them but dont make a mistake cause you will almost triple your plan with them. good luck

FYI: I am insuring my 2005 600RR with State Farm (they also write my car and life insurance) and my rate is only $440/year for full coverage. I'm 27 and live in Michigan, BTW. Additionally, according to my agent (and she has never lied to me before) any claim that I make to the bike will not effect my car insurance; they are seperate policies--it would only matter if I had never held a policy with them before. For $20 extra a month it is well worth the piece of mind to have full coverage. Just my $.02.

I've never had a problem with progressive.A lady ran a stop sign and clipped the rear of my eclipse and progressive called me 30 min. later,told me to take the car to the paint shop and a rental car would be waiting,on top of that I got a ticket for 75 in a 55 six months ago and I still only pay $90 a month for full coverage on a turbo eclipseInsurance companies probably treat you different in other states though.I guess it helps to know the people at the paint shop also.

At the end of the MSF course, I talked to the Rider Coach/Instructor and asked him... "Hey, I'm 19 years old, no exp on bike, just passed the MSF course, and it says on the certificate that it can be used to lower insurance rate with SOME companies, do you have an idea which off the top of your head?" and the answer was that i have a better chance going with the smaller companies because they have a better chance in accepting to giving you a discount for taking the MSF course, whereas the bigger ones DON'T CARE if you have passed the MSF course or not.

yeah, I told state farm that I had passed the MSF course and they could not have cared less

OK OK OK...

Im 20, 5 no registration tickets, 5 no insurance tickets, 3 driving on a suspended, 2 driving on a revoked, 1 running a redlight, 1 failure to make a complete stop, 1 no seatbelt, 1 speeding 7mph over (bastard)!!!

I pay 52$ a month for full coverage, and 18$ a month for a $50,000 life insurance and DI policy... I also pay 30$ a month for liability and uninsured motorist and medical on a 2000 taurus. That car isnt mine, I insured it under me for the bike lol....

So its not impossible to get GOOD INSURANCE RATES... The insurance company I go through is Country Insurance, a branch off of Allstate...

YOU PAY 5000$ A YR CAUSE THE NAMES.... GET A COMPANY WITH THE SAME SH*T AND ITLL BE 90% CHEAPER LOL...

Progressive quoted me 6000$ a yr I believe, and gieco said they couldnt insure me, and allstate UNDER MY PARENTS POLICY WANTED LIKE 800$ A MONTH FOR LIABILITY...

I said go eat my nuts, and talked to EVERY RIDER I came in contact with and found an old friend of mine that was a insurance agent... And he's been hookin everyone up ever since...

Dude, I don't suppose your friend can hook me up in Phoenix? I'm paying 1200 a year for liability through Progressive since nobody else would insure me. I have 1 accident in a car and 1 failure to make a complete stop also in a car. I seriously need full coverage but can't find a company willing to cover me.

Ill call him monday. Ill check if there is a branch in your area, if there is. Im sure he can get you good rates. He takes care of at least 75 of my friends and refferals.

i am 19 and on my own state farm insurance, 0 accidents no tickets and pay 864 FULL COVERAGE per year, i got my buddy insured too at an extra 864 year for him, and im rockin the 05 6RR so is he

WHERE DO YOU LIVE THOUGH?

Those are good prices..

i live in michigan

Wow....I'm only paying $314.00 a year on a brand new '05!!! (State Farm) NY

I'm 25, have had no tickets, no wrecks, and have held a motorcycle license for eight years. I called Geico (with whom I have two cars insured) and they quoted me $1900 a year for an '05 600rr! Insurance is such a rip off.........I hope State Farm is significantly lower.

Hi everyone,
I'm new to the bike world, and I just bought my CBR last Friday. I specifically financed through a company that wouldn't require full coverage so I could just get liability. Full coverage for me (25 yr old male, married, clean record for 9.5 yrs) was $2200 with progressive.

Now, I was in disbelief when I was reading all these postings about State Farm, so I called them for myself.

Man, Gieco ain't got anything on State Farm. 5 minutes could save you 90%. They quoted me full coverage at $341.

Make the call, it possible that it could save you TONS of money....

I had the same thing happen to me with progressive. I checked Geico and they wanted 1200 a year. For kicks I called my current provider who does our two cars and house and they gave it to me for 600 a year full coverage. We use AAA Insurance which has other benefits too. I am older and I don't have any tickets so that goes in my favor, but they are one of the big ones and I was pleasantly surprised.

I got an OK quote from progressive. 2500 a year full coverage. Im 23, single, have speeding violations, safety course, licensed 7+ years. For liability it was dirt cheap. But i have full coverage and gap insurance to cover any difference between stated value and financed value. my bike will be paid off if anything happens to it. Alot of people stack on race bikes, gotta pay to play

2500.00 a year OMG I wouldnt even ride if mine was that high. I'll stay with 303.00 a year full. Go State Farm

I went wite Country Insurance they only go by the cc rating and not the type of bike. It dose make a difference on your credit score(allthough it shouldn't) but I'm paying $24 a month on a 05 cbr600rr

As posted earlier (sorry I dont get on here much) I pay 29.00 a month full coverage. Im 31, only have permit and brand new bike. Of course I have a car financed through them and my other cars and home owners thorugh them too. State farm doesnt go by exp just age and prior accidents. I got a nice discount cuz Ive been with them for years and years and all my vehicles are insured with them. they dont even care if its a sport bike or not they just go by the cc of the bike. I asked the lady who did mine up and she said they dont care if its a race bike or harley or whatever you pay more for more power i guess. Ive been happy with them and happy with my new bike. Now if I could just pass the driving test ;).

I had an awesome ins carrier last year. $480/year for full coverage $100 deductables. Something that good just couldnt last. I got a DUI in september and that particular carrier doesnt insure high risk clients. So i moved it over to progressive and now I'm paying $680 year for Liability. Thats the best rate that i could find anywhere, and trust me, I looked. If I would have went with Full Coverage, the best rate I could find was $3000/year. And no way am i ready to pay that. I'll just make sure to keep the stunts to a minimum for a while until next march i turn 25 and my rates will drop considerably.