Please Help need cheap insurance liab. only age 18

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Please Help need cheap insurance liab. only age 18

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Please Help need cheap insurance liab. only age 18 - 7/31/2007 11:16:46 PM

yurka89

Posts: 14
Joined: 7/14/2007
Status: offline

Hello Can some one find a dam insurance company that will not cost me a fourtune. Im 18 currently with a perfect driving record, 2 year of car license and 6 month of motorcycle. I own a 05 cbr1000rr. Every one is killing with their prices here in cali.

Post #: 1

RE: Please Help need cheap insurance liab. only age 18 - 8/1/2007 2:54:19 AM

Vermino

Posts: 1201
Joined: 1/28/2006
Status: offline

hey i felt the same way with my bike man - i was quoted for a 600RR but then the dealer talked me into a nice deal for the 1000RR, then when i got it home the insurance agency is like "oh well that is 3x the price of the 600cc's bike)

what i would try to do is get a package deal or something.. if you have a car, put them on the same insurance agency. Keep getting price quotes from companies (i got GEICO) but my parents put their truck and my 69 camaro on the plan too - so it dropped it down greatly (plus it's in Idaho)

Also it's a must to take the MSF class for the insurance discount - talk to them and ask about the MSF class and if they offer a discount on it. this could be from 5-10% off i've heard.
you can also put lo-jack and some type of protection on the bike and then drop the thief insurance on it (if you feel safe enough)

I wish there was some other way man - my parents have two houses (one in Idaho and one in Vegas) so i brought it up to Idaho for insurance and registation and then take it on vacation down to vegas for the winter - this saves me tons of money because i'm not in the city.

your gonna have to do alot of quoting but hey - that's how insurance is. try GEICO, Progessive, All-state..

they are just looking at your age and the bike - it's like looking at a match and a gallon of gasoline (hey i was 18 once, i know how they treat us).. use your parents if you can, make yourself partial rider or something..

_____________________________

06'' CBR1000RR Blue/yellow - Stock

(in reply to yurka89)

Post #: 2

RE: Please Help need cheap insurance liab. only age 18 - 8/1/2007 9:40:39 AM

mihomie

Posts: 124
Joined: 6/18/2007
Status: offline

18 and on a liter bike you are screwed. pure and simple. statistcially your are a huge liability, no pun intended there.

all you can do is open that wallet and watch the money fly out of it, or sell it and buy the 600.

(in reply to Vermino)

Post #: 3

RE: Please Help need cheap insurance liab. only age 18 - 8/1/2007 11:19:42 AM

bboi

Posts: 478
Joined: 5/4/2006
Status: offline

I got my insurance when I was 22 for an 04. Just liability and theif but its only $27 a month. I have Drive which is thru Progressive. Just look for a small company that goes thru a bigger insurance company. They can save you money because they get lower premiums due to all of their accounts they hold with the bigger company.

(in reply to mihomie)

Post #: 4

RE: Please Help need cheap insurance liab. only age 18 - 8/1/2007 11:48:32 AM

tomc1965

Posts: 238
Joined: 7/14/2007
Status: offline

Raise those deductibles and lower your coverages.

Try to find an insurance agency that deals with multiple companies and see what they can do.

Also join a bike club, like the honda bike club you will get if you bought new. That usually gets you a discount.

BUT my only question to you is: ARE YOU NUTS!!!!!!

6 months riding a motorcycle and you purchased a liter race bike with ~150hp!!!!

You should have started off with something smaller because you have a lot to learn yet riding wise.

_____________________________

1985 Suzuki GS550E first bike sold in 1991.
1995 Yamaha FZR1000 sold in 2000.
In February 2006 bought 2006 Kawasaki Concours.
July 25th, 2007 Bought a left over 2004 CBR1000RR4.
http://community.webshots.com/user/tigertom1965

(in reply to bboi)

Post #: 5

RE: Please Help need cheap insurance liab. only age 18 - 8/1/2007 12:15:55 PM

bboi

Posts: 478
Joined: 5/4/2006
Status: offline

Dont worry bout it man. I kno alot of people who start on a 1000. got a buddy who just starting to ride and he bought a gixxer 7k. He doin just fine. Will power and control is up to you. I mean I dont suggest anyone do somethin like that but if you do you do, just gotta take it easy.

(in reply to tomc1965)

Post #: 6

RE: Please Help need cheap insurance liab. only age 18 - 8/1/2007 2:42:31 PM

Bracey0self

Posts: 118
Joined: 6/10/2006
From: CalifonaYAY
Status: offline

i have progressive liability only and i pay about 20 something bucks a month. im sure you can get it for about the same price. my first bike is fireblade1k at age 20 with having my license for 3 months.

_____________________________

"If you aint got wings you cant fly"
"Race not rice"

05 Titanium CBR1000RR

(in reply to bboi)

Post #: 7

RE: Please Help need cheap insurance liab. only age 18 - 8/1/2007 3:25:45 PM

baxsom

Posts: 1348
Joined: 6/28/2006
Status: offline

must be nice to be able to pay cash for a bike
if i am making payments
i am going to have full coverage

i use state farm btw
200 a month for two bikes full coverage
0 deductible

of course being 34 helps

< Message edited by baxsom -- 8/1/2007 3:27:32 PM >

_____________________________

street-2006 1KRR,
track-07 600RR

yes, i guess maybe i can be a jerk, but i am tired of reading the same questions and hearing the same would be experts give out wrong info.

(in reply to Bracey0self)

Post #: 8

RE: Please Help need cheap insurance liab. only age 18 - 8/1/2007 6:26:33 PM

Vermino

Posts: 1201
Joined: 1/28/2006
Status: offline

quote:

ORIGINAL: baxsom

must be nice to be able to pay cash for a bike
if i am making payments
i am going to have full coverage

i use state farm btw
200 a month for two bikes full coverage
0 deductible

of course being 34 helps

yeah i'm almost 22 with just a liter bike
i pay $212/month full coverage in Idaho and it's attached with all the other vehicles

Age is very important - so get a fake ID and call yourself Mclovin haha (just remember, over 55 will start to make the price go back up because now your an senior on a liter bike)

_____________________________

06'' CBR1000RR Blue/yellow - Stock

(in reply to baxsom)

Post #: 9

RE: Please Help need cheap insurance liab. only age 18 - 8/1/2007 8:56:47 PM

tomc1965

Posts: 238
Joined: 7/14/2007
Status: offline

$200 a month?

I am 41 but I only pay $353 a year for full coverage 50/100 and uninsured plus $250 deductible.
If you can afford to pay $200 a month for $0 deductible why not cut your price by 75% and change the deductible to $200. Then you can have $2000 a year to spend on something else.

_____________________________

1985 Suzuki GS550E first bike sold in 1991.
1995 Yamaha FZR1000 sold in 2000.
In February 2006 bought 2006 Kawasaki Concours.
July 25th, 2007 Bought a left over 2004 CBR1000RR4.
http://community.webshots.com/user/tigertom1965

(in reply to Vermino)

Post #: 10

RE: Please Help need cheap insurance liab. only age 18 - 8/1/2007 11:02:40 PM

taylorac

Posts: 77
Joined: 9/23/2006
Status: offline

finally some one who has not completly lost their mind! (tomca1965

)

I pay 419.00 A YEAR.....FULL COVERAGE. I have a $500 deductible though

...
State Farm
32 yrs old
04 CBR 1000

$200 a month for insurance is insane. For my bike, 2 SUV's and home owners insurance $203.15 a month.

Y'all scare the sh*t out of me when I see how much you are paying.

(in reply to tomc1965)

Post #: 11

RE: Please Help need cheap insurance liab. only age 18 - 8/2/2007 4:30:25 AM

tomc1965

Posts: 238
Joined: 7/14/2007
Status: offline

I forgot to mention that your insurance rates are also figured according to your credit history. So the better your credit the better your rate.

Thanks Taylorac. I haven't completely lost my mind. But everyday I go to work I get closer and closer.

This motorcycle definately helps me keep my sanity.

_____________________________

1985 Suzuki GS550E first bike sold in 1991.
1995 Yamaha FZR1000 sold in 2000.
In February 2006 bought 2006 Kawasaki Concours.
July 25th, 2007 Bought a left over 2004 CBR1000RR4.
http://community.webshots.com/user/tigertom1965

(in reply to taylorac)

Post #: 12

RE: Please Help need cheap insurance liab. only age 18 - 8/2/2007 10:15:14 AM

n0s_speed

Posts: 53
Joined: 6/26/2007
Status: offline

don't go progressive. their really expensive.

try statefarm and if they ask how long have you had your license? just tell them you got it over a year ago. the insurance agents have no way on checking how long have you had it. i recently got my license and only been riding less than 6months and my insurance for a full-coverage is only 400+ a year. i got a bad driving record. i got 1point on my record with about 7tickets in 2years. LOL, don't ask.

(in reply to tomc1965)

Post #: 13

RE: Please Help need cheap insurance liab. only age 18 - 8/2/2007 11:30:55 AM

bboi

Posts: 478
Joined: 5/4/2006
Status: offline

Dude all the insurance agent has to do is make a call to the dmv and they kno how long youve had your license. That and state farm just as high unless you have other vehicles or policies with em.

(in reply to n0s_speed)

Post #: 14

RE: Please Help need cheap insurance liab. only age 18 - 8/5/2007 2:33:36 PM

yurka89

Posts: 14
Joined: 7/14/2007
Status: offline

quote:

ORIGINAL: tomc1965

Raise those deductibles and lower your coverages.

Try to find an insurance agency that deals with multiple companies and see what they can do.

Also join a bike club, like the honda bike club you will get if you bought new. That usually gets you a discount.

BUT my only question to you is: ARE YOU NUTS!!!!!!

6 months riding a motorcycle and you purchased a liter race bike with ~150hp!!!!

You should have started off with something smaller because you have a lot to learn yet riding wise.

I been riding since 16, I finally just got my linsence recently. Previously owned 636 and xb9r buell.
I been ridng without insurance for 2 year already, and now I just recieved a letter from the dmv, saying that they will cancle my registration if I dont get a coverage.

(in reply to tomc1965)

Post #: 15