New guy here in MA, insurance and riding question
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New guy here in MA, insurance and riding question - 7/14/2007 6:30:29 AM
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bluej511
Posts: 827
Joined: 7/14/2007
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Hey guys how you doing?
This if my first post and well i don't own a CBR yet but i plan on buying a CBR600 as my first bike (some way think its stupid and some may think its a good idea).
First question: Can anyone who started on a 600 tell me about there experience and anything i should know/be carefull about? I'm taking the MSF course in West Boylston either at the end of this month or begining next month.
Second question: Insurance/insurance company. Now i've heard from a couple people that being 22years old i will get rapped on motorcycle insurance because of my automotive driving record. Is this true? A friends friend, he supposendly told me that his friend had like 8 speeding tickets and still didn't pay over a grand for bike insurance. And if anyone here has a bad driving record how much do you pay for full coverage/liability and with what company?
Thanks for the help guys, hope to hear some good news.
Vic
< Message edited by bluej511 -- 7/14/2007 6:32:36 AM >
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RE: New guy here in MA, insurance and riding question - 7/14/2007 6:45:17 AM
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Jaybird180
Posts: 2530
Joined: 5/12/2006
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Take the class. Learn all you can from them. Take things slowly, contunue to read books on sport riding (CBRforum is a good resource), and don't buy a new bike.
BTW, sport riding differs slightly from what they teach in the class, but only as it pertains to technique. The safety philosophy: follow them 100% by habit and spirit.
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RE: New guy here in MA, insurance and riding question - 7/14/2007 6:46:38 AM
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Jaybird180
Posts: 2530
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.....and Welcome to the CBRForum.
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TrackDay Ready 02''F4i
ZG Double Bubble, Galfer SS Lines, PCIIIr, Muzzy s/o, NRC cover, Shift Minder(anyone want it?), Speedbleeders, Vortex sliders, fender elimated, GP Shift
Ohlins, Racetech, Showa Custom Suspension
Teaching Fun and Prosperity
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RE: New guy here in MA, insurance and riding question - 7/14/2007 8:31:48 AM
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bluej511
Posts: 827
Joined: 7/14/2007
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thanks well i plan on buying a used cbr maybe 01-02ish. Would i be ok starting on a 600 being 5'8 and 140ish lbs?
the only thing that im concerned about is insurance, if i get a loan i need to get full coverage i'm sure, but if its too much i won't get a bike which sucks.
My car insurance is already expensive, 8th most expensive car to insure.
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RE: New guy here in MA, insurance and riding question - 7/16/2007 2:10:05 PM
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bluej511
Posts: 827
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Well for an 02 CBR 600 (my guess is he put it under F4i hopefully) i got a quote for full coverage for 821$ a year. He said if you have 6years of driving (automotive driving) its cheaper then someone who just learned to drive and gets a bike.
It hopefully will drop a bit after a year of riding and ive been driving for 5 1/2years so thats close enough i guess.
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RE: New guy here in MA, insurance and riding question - 7/18/2007 1:41:53 PM
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Twheat18
Posts: 122
Joined: 6/13/2007
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It's costing me $405 this year for my '04 F4i. I'm 22 and have in registered in central MA. I have a lein on it, so that is for the works.
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RE: New guy here in MA, insurance and riding question - 7/18/2007 2:26:02 PM
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bluej511
Posts: 827
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Blah i got my quote of 821 full coverage for an 02, im an SDIP 12 so that adds 284$ and its going to be garaged in worcester so that def doesn't help haha.
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RE: New guy here in MA, insurance and riding question - 7/18/2007 6:32:40 PM
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Twheat18
Posts: 122
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ya, no doubt worcester doesn't help! That was like when I checked how much it was for lowell.
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RE: New guy here in MA, insurance and riding question - 7/30/2007 3:14:42 PM
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uglyangelracing
Posts: 131
Joined: 6/6/2006
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Ok first off the course will get you 10% off your insurance.
Second the best insurance I have found is AAA.
Third if you start out with a cheaper bike you can afford full coverage easy
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RE: New guy here in MA, insurance and riding question - 1/29/2008 11:27:48 PM
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travisgarrison
Posts: 129
Joined: 8/1/2007
From: Portland, OR
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The bulk of what you're paying is for the collision coverage. I have liability and comprehensive (in case the bike gets stolen, or vandalized) and that costs me 192USD a year. If you are paying on the bike, that won't be an option for you though. I just switched my policy from Farmers to Progressive, and Progressive is charging me literally half of what Farmers is charging.
Also, the MSF course if you haven't taken it will help a great deal, and if you have the same insurance company for your car and your bike, they will often times give you a multipolicy discount.
As for riding... wear full gear. Most accidents happen within your first year of riding.
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RE: New guy here in MA, insurance and riding question - 1/30/2008 3:15:01 AM
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bluej511
Posts: 827
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Its multi car discount and its if u have 2 cars not 1 car 1 bike which sucks i was pissed about that. I have a leather jacket gloves and a helmet no leather pants or boots yet
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RE: New guy here in MA, insurance and riding question - 1/30/2008 11:57:57 AM
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travisgarrison
Posts: 129
Joined: 8/1/2007
From: Portland, OR
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That's not true. Progressive is giving me a multi-policy discount on my bike and my car, and those are the only two policies I have with them.
Get pants, unless you don't value your legs. I put a footpeg through my shin because I didn't have protective pants on. As for boots, I just got a pair of Fieldsheer boots off my younger brother, but I've been riding with gortex hiking boots. Get something that will protect your ankles.
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Be careful about buying from cocky600.
Details here:
http://www.cbrforum.com/m_502677/mpage_3/key_/tm.htm
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RE: New guy here in MA, insurance and riding question - 2/5/2008 5:47:32 PM
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aaron1085
Posts: 862
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ride smart... thats all you got to do, sounds easy right?!
I got my bike, living in western mass. when i was 21, paid 800 a year for insurance, not too bad if you ask me.
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RE: New guy here in MA, insurance and riding question - 2/5/2008 6:13:57 PM
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travisgarrison
Posts: 129
Joined: 8/1/2007
From: Portland, OR
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So it's kind of hard to tell over the forum, but you are kidding right? I got insurance at 22 for 300 a year. I'm paying 190 a year for liability and comp... that's with a record. 800 a year is a ripoff... even for 21... I'm 27 now btw so 22 wasn't that long ago for me.
_____________________________
Be careful about buying from cocky600.
Details here:
http://www.cbrforum.com/m_502677/mpage_3/key_/tm.htm
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RE: New guy here in MA, insurance and riding question - 2/6/2008 3:13:33 AM
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bluej511
Posts: 827
Joined: 7/14/2007
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Yea but ur not in the 4th highest state to insure a car/motorcycle thats why.
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