RE: Damn Insurance
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RE: Damn Insurance - 6/20/2006 12:31:54 AM
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AZ1000rr
Posts: 428
Joined: 5/17/2006
Status: offline
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last time i checked having at least liability coverage was a law in every state in the US....and don't know of a lender, other than maybe mom & dad, that don't require full coverage....so basically this whole complaint is about something everyone knows before they ever by a bike....as for your insurance being extra expensive because of your driving record...I iwll leave that alone, I sure thats not your fault either....bikes are an expensive hobby, if you can't afford it, then maybe you should have something else until you can...I'd sure hate to be riding with you and have you make a mistake and wreck crash into my bike with no insurance....this topic is pointless, complaining about something you have no choice in, whats your next post, i don't want to pay my taxes, think they catch me?
_____________________________
Fear causes hesitation, and hesitation will cause your biggest fears to come true
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RE: Damn Insurance - 6/20/2006 12:36:32 AM
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SirJAG
Posts: 176
Joined: 6/1/2006
Status: offline
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AZ1000RR,
your right, and now that i cooled down i apologize for my previous comments.
on another note though: are you sure 100% that at least liabillity is required in all states on a bike? i have heard that in i think it was Gerogia/florida/somewhere east coast you dont need it?
hell i cant remember.
anyways i know its not right, but when i wanted a bike when i was 18 i needed a way to work around it. so thats what i did.
anyways, i am over it?> good night everyone
sleep well,
james
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RE: Damn Insurance - 6/20/2006 12:58:42 AM
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lead
Posts: 2
Joined: 10/5/2005
Status: offline
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in fl you do not need insurance, with a bike, as long as you are wearing a helmet with some form of eye protection
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RE: Damn Insurance - 6/20/2006 10:55:42 AM
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dizzie56
I loves the fat chics
Posts: 2070
Joined: 5/27/2006
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Damn. Didnt think everyone would get all pissy about a simple question. In florida u dont have to have the pip insurance but im pretty sure u do have to have the property liability insurance just to have it on the road. I know im suppossed to pay it but just heard a rumor bout people gettin away with not doing so and wondered if it were true.
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RE: Damn Insurance - 6/20/2006 9:32:01 PM
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stelmadl
Posts: 9
Joined: 5/9/2006
Status: offline
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get a home equity line of credit to pay for the bike. the bike will be considered payed and then you can get liability insurance, only, without collision and comprehensive insurance.....that should get you a cheap, driveable insurance. i've also researched some options to include stolen bikes along with liability. of course, every option you add to your insurance coverage increases costs. good luck.
< Message edited by stelmadl -- 6/20/2006 9:51:18 PM >
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RE: Damn Insurance - 6/21/2006 12:06:31 AM
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sidthafish
Posts: 58
Joined: 4/20/2006
Status: offline
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Progressive and Geico are probably the highest you can get for Sportbike insurance. If you didn't try State Farm I would give them a call. If you have a car also having your Car + Motorcycle saves you big time $$. My Auto insurance is USAA which is probably best there is (imo) so it didn't make sense for me to switch. Even so with State Farm I'm paying $288 every 6 months full coverage and $250 deductable. But thats being 30 years old, no tickets and no accidents. That was still almost $2k cheaper than the nearest competitor a year.
Bottom line up front, you're gonna get screwed on insurance owning a Sportbike, cruiser insurance is next to nothing and they wreck just as much. Also not having insurance is pretty dumb, for those that don't it not only protects you but it protects someone you may hit. Sure insurance is probably one of the biggest scams on the planet but it pays to have it.
quote:
well as far as someone stealin it ill b damned cause i got somethin for that ass if they even try.
Thats real easy to say while you still have your bike, most people that jack bikes don't get caught in the act. Then you'll have nothing but payment for a bike someone else has parted out.
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RE: Damn Insurance - 6/21/2006 4:39:16 PM
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RR4me
Posts: 16
Joined: 5/25/2006
Status: offline
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+1 To State Farm. I'm 26 and I pay about $702 a year for full coverage.
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RE: Damn Insurance - 6/21/2006 4:51:15 PM
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AZ1000rr
Posts: 428
Joined: 5/17/2006
Status: offline
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Just a side note about state farm....not sure how many other insurance companies do this but state farm doesn't rate bikes by class, merely CC's. For example, I was looking at buying an M109R to satisfy my cruiser cravings from time to time; its 1800 cc's and would cost me $138 a month here in AZ for full coverage w/$500 deductibles, my CBR1000RR, it only costs $44 a month for the same exact coverage. I've be with state farm for years, so I felt comfortable asking the guy why they did this. He said state farm really only offer motorcycle insurance because its customers don't want to have two companies, they simply aren't in the bike business, and secondly, you have to have a pretty good driving record and credit rating to be insured by state farm any way....so they simply use the bigger the motor the more the insurance mentality, would suck if you ride a big vtwin, but for sportbike riders, its a dream, makes me want to buy a 600RR just to see what it would cost.
_____________________________
Fear causes hesitation, and hesitation will cause your biggest fears to come true
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