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Thread: Bike + 18 = insurance questions

  1. 07-05-2008, 10:11 PM #1
    X-Runner
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    Default Bike + 18 = insurance questions

    Im almost considering getting rid of my 94 Civic LX for a street bike or something. Been thinking a Ninja 250 but still un-sure possably even a cruiser. Ive never rode before so Id take some classes/saftey courses whatever I need to do to make sure I stay safe and know what Im doing.

    My biggest concern is what is insurance going to run me on a bike being Im 18. My truck is with Safe Auto right now because they were the cheapest. $310 a month for full coverage, Ive got 1 impeading traffic ticket. I know no one but the insurance company will know 100% but just looking for your input.

    Edit, any suggestions on a bike for a first time rider? Proabably going for more of a cruiser bike.
    Last edited by X-Runner; 07-05-2008 at 10:18 PM.
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  2. 07-05-2008, 10:21 PM #2
    AlanŽ
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    liability only. you can do it even on a brand new bike you are financing because its not considered a primary vehicle
    Quote Originally Posted by AlanŽ
    Nah not even. theres not enough alcohol on the planet that would convince me to bang that chick.I wouldn't hit that with Magic Johnson's dick.....on second thought
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  3. 07-05-2008, 10:23 PM #3
    quickdodgeŽ
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    You should have posted this in the MOTORCYCLE section. Would get more appropriate help there. Later, QD.
    FOR MORE INFO, CLICK THE PIC!!!

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  4. 07-05-2008, 10:23 PM #4
    X-Runner
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    Quote Originally Posted by redGT
    liability only. you can do it even on a brand new bike you are financing because its not considered a primary vehicle
    I didnt know that... Im going to go look around at Mountain Adventures in Conyers monday I hope
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  5. 07-05-2008, 10:24 PM #5
    X-Runner
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    Quote Originally Posted by quickdodgeŽ
    You should have posted this in the MOTORCYCLE section. Would get more appropriate help there. Later, QD.
    Sorry, didnt know we had a motorcycle section...
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  6. 07-05-2008, 10:29 PM #6
    redrumracer
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    Go with State Farm. insurance for me with them @ 21 would have been right at 800 a year i think for a 1000cc bike.(R1) and thats with 5 tickets and 2-3 accidents
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  7. 07-05-2008, 10:31 PM #7
    X-Runner
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    Quote Originally Posted by redrumracer
    Go with State Farm. insurance for me with them @ 21 would have been right at 800 a year i think for a 1000cc bike.(R1) and thats with 5 tickets and 2-3 accidents
    State Farm was $300 a month for me with no tickets for liabilty on a 96 Explorer...
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  8. 07-05-2008, 10:33 PM #8
    willum14pb
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    I got quoted $200 a year for liability on bike insurance.. I'm also 21 though :P but it's pretty cheap.
    www.featuredtees.com

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  9. 07-05-2008, 10:33 PM #9
    redrumracer
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    Quote Originally Posted by X-Runner
    State Farm was $300 a month for me with no tickets for liabilty on a 96 Explorer...
    yea a bike is ALOT cheaper. oh and that was full coverage. my insurance on my old camaro was 1200 every 6 months and that was before like 3 of my tickets and 1 of my accidents. and it was only liability.
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  10. 07-06-2008, 11:36 PM #10
    Kevykev
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    I think the formula goes Bike + 18 = Death.... it was something like that.

    Don't quote me on it but, 'twas something of that nature.

    Leisa and S. 4 Life NM?
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  11. 07-06-2008, 11:40 PM #11
    _Christian_
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    Get a hayabusa and **** insurance

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  12. 07-06-2008, 11:43 PM #12
    X-Runner
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    Quote Originally Posted by Kevykev
    I think the formula goes Bike + 18 = Death.... it was something like that.

    Don't quote me on it but, 'twas something of that nature.
    Why do you say that? Just because Im 18 doesnt mean anything.
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  13. 07-06-2008, 11:48 PM #13
    Kevykev
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    Quote Originally Posted by X-Runner
    Why do you say that? Just because Im 18 doesnt mean anything.

    Nothing to do with you personally. Just a general formula that's been around that's all.

    I personally wish you the best with your decision.

    Leisa and S. 4 Life NM?
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  14. 07-06-2008, 11:51 PM #14
    X-Runner
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    Quote Originally Posted by Kevykev
    Nothing to do with you personally. Just a general formula that's been around that's all.

    I personally wish you the best with your decision.
    Ah. Well Ive rode ATVs and dirt bikes since I was little so I can ride those pretty well. Only thing that really scares me on the streets is other drivers... I crashed my Honda 50R on the street a few months ago, shifted to 3rd and it threw me right off the back
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  15. 07-07-2008, 07:10 AM #15
    Elbow
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    Nationwide. I'm only 20, and it's really cheap....really cheap....(on 08 Ninja 250)
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  16. 07-07-2008, 10:12 AM #16
    scabtastic
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    last year when i had my bike...i was also 18..i had a yzf600r which is kinda like a detuned r6....but i had comprehensive and what not and was paying $86 a month....too bad i only had it for that long before a truck t-boned me....i had progressive btw



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  17. 07-07-2008, 10:43 AM #17
    ironchef
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    Whats the difference between liability, comprehensive, and collision? I always get those backwards.

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  18. 07-07-2008, 11:21 AM #18
    carbon_crash
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    Quote Originally Posted by X-Runner
    Im almost considering getting rid of my 94 Civic LX for a street bike or something. Been thinking a Ninja 250 but still un-sure possably even a cruiser. Ive never rode before so Id take some classes/saftey courses whatever I need to do to make sure I stay safe and know what Im doing.

    My biggest concern is what is insurance going to run me on a bike being Im 18. My truck is with Safe Auto right now because they were the cheapest. $310 a month for full coverage, Ive got 1 impeading traffic ticket. I know no one but the insurance company will know 100% but just looking for your input.

    Edit, any suggestions on a bike for a first time rider? Proabably going for more of a cruiser bike.
    PM me for more info, But I wrote the policy for simontibbett thru Nationwide. Since your only 18, you can expect a little higher price on insurance anywhere. But if you only get a 250 and take a safety class, then I could work you up a decent price. Let me know, and I can give you a ball park quote man
    Ballin' on a Budget
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