Please Help need cheap insurance liab. only age 18 (Full Version)

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Please Help need cheap insurance liab. only age 18

  

yurka89 -> Please Help need cheap insurance liab. only age 18 (7/31/2007 11:16:46 PM)

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.

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

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..

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

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.

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

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.

tomc1965 -> RE: Please Help need cheap insurance liab. only age 18 (8/1/2007 11:48:32 AM)

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.

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

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.

Bracey0self -> RE: Please Help need cheap insurance liab. only age 18 (8/1/2007 2:42:31 PM)

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.

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

    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


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

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)

tomc1965 -> RE: Please Help need cheap insurance liab. only age 18 (8/1/2007 8:56:47 PM)

$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.

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

finally some one who has not completly lost their mind! (tomca1965[:D])

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.

tomc1965 -> RE: Please Help need cheap insurance liab. only age 18 (8/2/2007 4:30:25 AM)

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.[8D]

This motorcycle definately helps me keep my sanity.[:D]

n0s_speed -> RE: Please Help need cheap insurance liab. only age 18 (8/2/2007 10:15:14 AM)

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.

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

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.

yurka89 -> RE: Please Help need cheap insurance liab. only age 18 (8/5/2007 2:33:36 PM)

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.

  

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