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Thread: Cycle Insurance

  1. 06-03-2008, 12:23 PM #1
    slowinmidga
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    Default Cycle Insurance

    So Ive ridden buddies bikes off and on for a couple of years but ive never gotten my license but I am now in the market for a bike and plan on getting my license tomorrow but the insurance is like 2000 for a year!! Are the rates always this ridiculous or is it because I dont have my license yet? Who are you guys using for insurance cause i sure as hell aint paying 200 a month for insurance.
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  2. 06-03-2008, 12:25 PM #2
    Sammich
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    get use to it...everytime i hear about motorcycle insurance...its way higher than car insurance



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  3. 06-03-2008, 12:49 PM #3
    slowinmidga
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    damn...thats 5times more than I pay for 2 new cars.....forget a motorcycle then
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  4. 06-03-2008, 12:55 PM #4
    carbon_crash
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    what kind of coverage are you trying to get on the bike? Cause full coverage on a bike is almost always high unless you are over 35 amd married.
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  5. 06-03-2008, 12:59 PM #5
    DieselNuts
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    what company is that quote through?

    2 of my friends just bought bikes. an 08 and 07 cbr600. They each pay about $70/mo full coverage....
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  6. 06-03-2008, 01:24 PM #6
    slowinmidga
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    It was 3000 from allstate and 2000 with Geico. Progressive is hella more reasonable at 650 for 12 months full coverage. Looks like buying a motorcycle is back on!
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  7. 06-03-2008, 01:26 PM #7
    DieselNuts
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    I heard statefarm was pretty good too. Progressive is actually one of the higher quotes I have seen from my buddies.
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  8. 06-03-2008, 03:34 PM #8
    carbon_crash
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    Progressive is one of the most competative companies for Motorcycle insurance, State Farm and Allstate usually cant touch Progressive for some reason. Age and bike size plays a huge role in the ratings.
    Ballin' on a Budget
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  9. 06-03-2008, 03:35 PM #9
    iloveboost
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    Riding experience has a lot to do with it. Lie and say you've been riding for 6+ years.
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  10. 06-03-2008, 03:43 PM #10
    carbon_crash
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    ^^I usually give people a little more experience than I know they have!LOL!!^^





    *insurance guy leaves
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  11. 06-03-2008, 07:31 PM #11
    David88vert
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    Quote Originally Posted by carbon_crash
    Progressive is one of the most competative companies for Motorcycle insurance, State Farm and Allstate usually cant touch Progressive for some reason. Age and bike size plays a huge role in the ratings.
    Progressive gave me the highest quote that I have ever had. 35, married, no tickets - $5600/yr. I thought that he had accidentally read another 0 on it....
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  12. 06-03-2008, 08:29 PM #12
    slowinmidga
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    Quote Originally Posted by David88vert
    Progressive gave me the highest quote that I have ever had. 35, married, no tickets - $5600/yr. I thought that he had accidentally read another 0 on it....
    Good googly moogly!!
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  13. 06-03-2008, 08:51 PM #13
    Tarzanman
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    It varies from person to person. A lot of people pay cash for their bikes (usually used) and then only carry liability. Driving record, bike year, and zip code have a lot to do with it. I have a 29 yr old friend who only pays 400/yr for full coverage... but he has a 9 year old R6.
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  14. 06-03-2008, 09:59 PM #14
    THATdude
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    state farm 25 a mth for a 99 gsxr 600
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  15. 06-03-2008, 11:43 PM #15
    InEeDaKaR
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    my buddies and i are wit progressive...they gave me a pretty decent quote over geico, state farm and all state both on liability and full coverage...and my drivin record isnt to much to be proud of
    ToRe DoRaI Na
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  16. 06-04-2008, 10:23 AM #16
    Blitanicle99
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    Is there like a year cut off for cheap insurence? I know the new bikes are more to insure and the older bikes are cheaper. But, its much easier to get approved for a new bike for some reason.

    Any help? I can make pretty much any kind of monthly payment for a bike, but they wont approve me without a co signer. I can put like half down too! WTF..

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  17. 06-04-2008, 11:15 AM #17
    Killer
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    Quote Originally Posted by slowinmidga
    So Ive ridden buddies bikes off and on for a couple of years but ive never gotten my license but I am now in the market for a bike and plan on getting my license tomorrow but the insurance is like 2000 for a year!! Are the rates always this ridiculous or is it because I dont have my license yet? Who are you guys using for insurance cause i sure as hell aint paying 200 a month for insurance.
    besides value of the bike it self it all depends on engine size... a 250cc is gonna cost you less on ins than a 600cc....

    i have an 02 buell blast 492cc and that's running me right around 500 for a full year of ins... and that's full coverage... and i do not have my motorcylce lic yet... nor have i taken any courses...
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  18. 06-04-2008, 11:16 AM #18
    Killer
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    Quote Originally Posted by slowinmidga
    It was 3000 from allstate and 2000 with Geico. Progressive is hella more reasonable at 650 for 12 months full coverage. Looks like buying a motorcycle is back on!

    yeah... stay with progressive for motorcycle.. that's who i went through...




    even though my car ins is way cheaper through allstate..
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