Insurance
- Thread starter Odyssey
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JimGnitecki
Registered
Call every single company you can find a phone number for!
I say this because you will find that the rates vary ALL OVER the map, from company to company, with no apaprent logic.
I am 51 years old, perfect driving record, and my quotes varied from a low of about $673 for full coverage with high coverage limits and a low deductible, to almost $3700 (!!) from one company that was particularly out ot lunch.
The best quote I got (might be very different for you) was from Nationwide Insurance. This was $100,000 / $300,000 / $50,000, with $250 deductibles on both comp & collision, for $673. I heard from a couple of people that they supposedly did better, but when I checked their coverage limits, they were lower limits than what I show above.
I think I would have gotten another few percent off if I had taken the MSF Experienced Rider Course BEFORE I bought the insurance. I took it after, and will ask about a discount upon renewal.
I say this because you will find that the rates vary ALL OVER the map, from company to company, with no apaprent logic.
I am 51 years old, perfect driving record, and my quotes varied from a low of about $673 for full coverage with high coverage limits and a low deductible, to almost $3700 (!!) from one company that was particularly out ot lunch.
The best quote I got (might be very different for you) was from Nationwide Insurance. This was $100,000 / $300,000 / $50,000, with $250 deductibles on both comp & collision, for $673. I heard from a couple of people that they supposedly did better, but when I checked their coverage limits, they were lower limits than what I show above.
I think I would have gotten another few percent off if I had taken the MSF Experienced Rider Course BEFORE I bought the insurance. I took it after, and will ask about a discount upon renewal.
For example:
23yr old, no tickets or accidents on record:
Progressive with 500 comp 500 collision deductables, minimum 15/30/5, I got a quote of $3997/6 mos.
State Farm matched coverage on my truck (100/300/100, 250 deduct for both comp and collision) on my NEW '01 busa (1 mile) @ $500/6mos.
Catch with state farm is that you must register your car with them, too... Fine with me, they saved me about $250/6mos on my truck insurance.
At 18, you will have lots of trouble getting good insurance. Hell, I didnt get good insurance 'till this year (turned 23).
Oh, and skip Allstate, they dont insure bikes anymore.
-Tim
23yr old, no tickets or accidents on record:
Progressive with 500 comp 500 collision deductables, minimum 15/30/5, I got a quote of $3997/6 mos.
State Farm matched coverage on my truck (100/300/100, 250 deduct for both comp and collision) on my NEW '01 busa (1 mile) @ $500/6mos.
Catch with state farm is that you must register your car with them, too... Fine with me, they saved me about $250/6mos on my truck insurance.
At 18, you will have lots of trouble getting good insurance. Hell, I didnt get good insurance 'till this year (turned 23).
Oh, and skip Allstate, they dont insure bikes anymore.
-Tim
schmud0811
Registered
got my insurance through gmac no tickets license for 3 years motorcycle 785 a year ,but a 1.000 deductable.......im 21 and they dont care if u have a car....200 more for a 250 deductable
bobdalesmith
Registered
Im 40 Two tickets in the last 5 years...
$175/yr Minimum coverage for a Busa.
Bob
$175/yr Minimum coverage for a Busa.
Bob
I think im gonna do everything i can to lower insurace, so far i will get the following for discounts:
1. MSF (10% discount, if you havent taken it, do so. some places give 20% discount for taking msf course)
2. Alarm (active ignition disableing)
Anything else i can do to lower insurance before i go witha company?
So far liability coverage is $472/yr , Comprehensive + Collision is $9840/yr, thats over $800 per month, even if i get in a accident it will most likely cheaper to fix it my self. Unless theres extensive engine damage. How much is new plastics ?(I plan on getting a copper set with '02 tank)
1. MSF (10% discount, if you havent taken it, do so. some places give 20% discount for taking msf course)
2. Alarm (active ignition disableing)
Anything else i can do to lower insurance before i go witha company?
So far liability coverage is $472/yr , Comprehensive + Collision is $9840/yr, thats over $800 per month, even if i get in a accident it will most likely cheaper to fix it my self. Unless theres extensive engine damage. How much is new plastics ?(I plan on getting a copper set with '02 tank)
geez
lowest i could find is 7600/yr
im 18
turn 19 in...wow 5 days lol
highest i found was over 11000 a yr
well screw that u can get a bad ass new busa every year for that
insurance is like the only thing holding me up from gettin one yet
oh well
im patient enough i can last
(for a lil while longer lol)
lowest i could find is 7600/yr
im 18
turn 19 in...wow 5 days lol
highest i found was over 11000 a yr
well screw that u can get a bad ass new busa every year for that
insurance is like the only thing holding me up from gettin one yet
oh well
im patient enough i can last
(for a lil while longer lol)
insurance is 1200 a yr for full coverage. I checked most places and went to an independent small dealer who checked his sources..... and i've got 3 points on my license for an at faualt accident with another accident reported that wasn't my fault. The insurance agent informed me that once you move beyond a 750 on sportsbike insurance rates go up drasticly..
However, mine was pretty much the same from 600/750/1300cc .I'm hoping its less when my points are removed
dez
However, mine was pretty much the same from 600/750/1300cc .I'm hoping its less when my points are removed
dez
23 yrs old, 2 speeding tix last 2 yrs
* all quotes are for a year, not 6 months
$460CDN minimum coverage (PLPD or somethign)
didn't even ask how much full coverage was
$300CDN minimum coverage for my katana 750
$1500+CDN full coverage
but i think those numbers r real good seeing as my civic is $2200CDN minimum coverage, again, didn't ask how much full coverage was. altho my insurance rates would go down if i had continued coverage on the civic, i save too much driving the bikes all spring/summer/fall and only driving the car in the winter.
* all quotes are for a year, not 6 months
$460CDN minimum coverage (PLPD or somethign)
didn't even ask how much full coverage was
$300CDN minimum coverage for my katana 750
$1500+CDN full coverage
but i think those numbers r real good seeing as my civic is $2200CDN minimum coverage, again, didn't ask how much full coverage was. altho my insurance rates would go down if i had continued coverage on the civic, i save too much driving the bikes all spring/summer/fall and only driving the car in the winter.
WOOHOO!
Many of you know I don't own yet, but I'm a big fan of the Busa, and am working towards getting one very soon.
I just got off the phone with my homeowner's insurance, and she quoted me $304.00 per year, COMPREHENSIVE coverage!
Sometimes, it pays to be old. Yes! The things I got goin' for me are: I'm 34, married, own a house with the same insurer, have the car covered with the same insurer.
You gotta love it.
Many of you know I don't own yet, but I'm a big fan of the Busa, and am working towards getting one very soon.
I just got off the phone with my homeowner's insurance, and she quoted me $304.00 per year, COMPREHENSIVE coverage!
Sometimes, it pays to be old. Yes! The things I got goin' for me are: I'm 34, married, own a house with the same insurer, have the car covered with the same insurer.
You gotta love it.
My newest quote from State farm is $71.00 / 6 mos liability only. Comp is another $123.00 / 6 mos
I think I'll go self insured on the collision. If I wreck it better be someone elses fault or if I was dumb enuff to crash on my own I better be willing to eat it. $11000 - Just my opion ... and I know more about my opinion than anyone - Kent
I think I'll go self insured on the collision. If I wreck it better be someone elses fault or if I was dumb enuff to crash on my own I better be willing to eat it. $11000 - Just my opion ... and I know more about my opinion than anyone - Kent
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