Insurance shopping...
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Insurance shopping... - 4/16/2007 2:16:32 PM
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][udson
Posts: 88
Joined: 3/3/2006
Status: offline
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Ok, who do you guys use for insurance and how much do you pay for your CBR1000RR?
I have nationwide with our car and they quoted a rediculous $1400 for full-year for a new '07 1000rr. Geico quoted me just over $900 which is a bit above what I expected. These figures were for bare bones coverage, and $1000 deductables for comp and collision. I'm 35, married with child, with a clean driving record, and am just a bit suprised. In Florida, btw. Where else can you guys recommend I extend the hunt?
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RE: Insurance shopping... - 4/16/2007 2:22:14 PM
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CBRU crazy?
Posts: 46
Joined: 2/5/2007
Status: offline
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You can also check Progressive
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RE: Insurance shopping... - 4/16/2007 3:01:19 PM
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HASHIMOTORSPORTS
Posts: 15
Joined: 4/11/2007
Status: offline
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JOIN THE CLUB. I HAD THE SAME PROBLEM, I FINALLY WENT WITH A PLACE CALLED INSURANCE CONCEPTS OUT OF UTAH, I HAVE FULL COMP , UNDERINSSURED, NON INSURRED FOR A WHOPPING 1400.00 A YEAR ALSO. I HAVE A PERFECT DRIVING RECORD AM MARRIED WITH KID'S. I ALSO HAVE GOOD CREDIT. THEY DO GIVE YOU A CHEAPER RATE IF YOU ARE PART OF A MOTORCYCLE CLUB LIKE HONDA OF AMERICA. THIS WAS THE CHEAPEST I HAVE FOUND WITH ANYBODY. I ALSO HAD PROGRESSIVE AND FOUND OUT THAT THEY WERE TAKING MY MONEY, I SWITCHED TO ALSTATE FOR THE CAR'S, THEY ORIGINALLY QUOTED ME FOR MY BIKE 79.00 A MONTH THEN ONCE THE UNDERWRITTER GOT A WIFF OF THE 1000 CBR THE CANCELLED MY INSURANCE AND REIMBURSED ME THE 6 MONTH INSTALLMENT I HAD GIVEN THEM. LOOKING FOR INSURANCE IS A PAIN.
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RE: Insurance shopping... - 4/16/2007 5:31:52 PM
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bdahl77
Posts: 36
Joined: 3/1/2007
Status: offline
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I've used many insurance companies over the years and what I've found is that Progressive is usually the cheapest for motorcycles, plus the send you an insurance card that you can attach to your keyring. Progressive is HONDA's preferred insurance provider. You used to get a discount if you were an HRCA member (Honda Riders Club of America) http://hrca.honda.com/default.asp?bhcp=1
You can get a quote right online and purchase it if you like what you see. They will send you insurance cards instantly. You never have to speak with any phone reps. Its super easy..... You can even pay monthly if you need to. www.progressive.com
I'm 23 years old I own a free and clear 06 1000RR and a 96 600 F3. I got liability only insurance on both bikes and the Annual policy was $350 for the YEAR but I also have a clean driving record
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RE: Insurance shopping... - 4/16/2007 5:50:53 PM
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][udson
Posts: 88
Joined: 3/3/2006
Status: offline
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Thanks guys.
Bdahl, that doesn't sound possible. Where do you live? $350 for the 06 1000rr? I wanted to try a quote at progressive.com today but I am not fond that they pull credit on you. That's a bit lame to give your credit score a knock just to get a quote, though it should only cost one point...
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RE: Insurance shopping... - 4/16/2007 6:04:17 PM
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bdahl77
Posts: 36
Joined: 3/1/2007
Status: offline
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I live in Indianapolis, IN.. please no jokes...... Remember I have liability only.... and I have a perfect driving record. When you get the quote online and and you choose to purchase it online they don't do a credit pull then. They will send paper work to your house that you have to sign saying you give them permission to pull your credit, but they have to have a signature or verbal permission to legaly pull your credit. I'm a Real Estate Loan Officer and trust me when I was licenced they let you know that having credit pulled requires a signature or verbal permission. So you can buy your quote without the credit pull. It asks on the website but they don't actually pull it. They do run your information through the National Driving record database to see if you have any points. I recomend you do it..... You'll be surprised how much your policy will be.
-Blake
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RE: Insurance shopping... - 4/16/2007 6:12:34 PM
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bdahl77
Posts: 36
Joined: 3/1/2007
Status: offline
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Just some advice if you do go with PROGRESSIVE. Each year make sure you get a new policy... Don't continue the same policy that you started with. The reason is that Progessive will offer very low premiums to non-customers to get them in the door. Then next year when you go to re-new your policy they jack your rates up substantially. So after you pay for you policy in full and the bill comes for the next year to re-new your policy just don't pay it and it will expire. When you get the new bill simply get a quote online as a NEW customer and start a new policy with the same coverage. When you get a quote online it will ask you if you are a current PROGRESSIVE customer and you should answer this question as NO because if you answer yes it will provide a number for you to call and get a quote from a rep then you will get the higher cost policy. Do you understand?????
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RE: Insurance shopping... - 4/16/2007 9:40:35 PM
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GraveyLastGearMC
Posts: 28
Joined: 12/8/2006
Status: offline
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i got state farm full coverage on my 07 1000rr and I am paying $590 for the year...and im only 24 years old...but you do have to have a car policy with them to get motorcycle insurance...
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RE: Insurance shopping... - 4/16/2007 9:52:37 PM
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brendan1026
Posts: 52
Joined: 2/4/2007
Status: offline
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I have State Farm in New Jersey. 06 CBR1000RR, 34, married, clean record. Full coverage with 250.00 deducts for 670.00 a year. And I do not have any other insurance with them. If I added my autos the bike would have been around 400.00, but there auto quote was a bit higher then my current company so I just went with the bike. I asked my agent when he gave me the quote how they rate the motorcycles and he said they go only by the engine size and nothing else.
_____________________________
06 CBR1000RR Silver
Comp. Werks Fender Elim.
Clear Alternatives taillight
Yoshimura RS-5 Slip on
Proton flush mounts
Speedo Healer
Flapper Mod
520 conv.
PCIII
15/46
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RE: Insurance shopping... - 4/17/2007 10:45:04 AM
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dwhite645
Posts: 1989
Joined: 1/21/2006
From: OldFatGuy's garage - stealing parts
Status: offline
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I have State Farm and pay $380 per year for an '07 1000RR full coverage plus a medical policy that covers myself or passenger. I also have a car policy with them, so that helps. I'm 27, single
_____________________________
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RE: Insurance shopping... - 4/17/2007 12:37:59 PM
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][udson
Posts: 88
Joined: 3/3/2006
Status: offline
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Incredible prices you guys are getting. I will have to call up a few of these places and see how things pan out by moving our car over as well. We're paying a rediculous $900 for an 04 volve station wagon. Just not right. Avoid Nationwide.
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RE: Insurance shopping... - 4/17/2007 1:17:31 PM
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Mafu
Posts: 71
Joined: 4/16/2007
Status: offline
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i was quoted 50 per month through progressive i think it was, and that was just basic coverage, no comp or collision, 105 per month if I added unerinsured, uninsured, 1000 deductible, 5000 per person i hurt and i think thats it, Im only 21 and my record sucks lol. oh and for everybody out there, dont you use your honda riders of america discount? it knocked like 10 bucks per month off my quote.
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RE: Insurance shopping... - 4/17/2007 6:01:29 PM
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CBR1000
Posts: 304
Joined: 3/20/2007
From: Missouri
Status: offline
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State Farm full coverage, except no health, $280/year $1000 deductable. Clear history. I checked
several other places Farmers and American Fam. which covers my house and boat/car they both
wanted over $1000 per year. I cancelled my car and moved it over to State Farm. A couple of
my friends have State Farm as well with low rates. I was told it's because they go off cc's only
vs. type of bike.
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but hey it's cheaper than insurance tickets after getting like 5 insurance tickets on my bike and cars ... i think it's time LOL 
