motorcycle insurance

**Mr. CarelessAndImprudent** · 04-01-2007, 08:17 PM

I'm wanting to get a bike this summer, but insurance is crazy. How did any of you guys go about getting it?

**joerockhead** · 04-01-2007, 08:18 PM

I already have a couple vehicles, so I just called the same guys. Great deal.

Have you tried Geico? So Easy, even Caveman can do it!

**snaggeltooth** · 04-01-2007, 08:30 PM

go with State Farm ... they go by CCs and not class .. AKA a CBR600 cost the same as a baby cruiser ....

**Mr. CarelessAndImprudent** · 04-01-2007, 08:32 PM

cool thanks. i did the online geico form and they quoted me 4500 for 12 months. damn near shit all over myself

**snaggeltooth** · 04-01-2007, 08:41 PM

what bike are you looking at /own ???

**joerockhead** · 04-01-2007, 08:54 PM

Originally Posted by Mr. CarelessAndImprudent

cool thanks. i did the online geico form and they quoted me 4500 for 12 months. damn near shit all over myself

See, now a Caveman would take it!

State Farm is good

**1MileCrash** · 04-01-2007, 09:38 PM

the type of bike is almost more important than who you go through.

i use American Family Insurance on my 2003 Suzuki SV1000S and pay about $500.00/year for full coverage.

**Mr. CarelessAndImprudent** · 04-02-2007, 05:43 AM

It's a CBR 600RR

**1MileCrash** · 04-02-2007, 05:55 AM

you will be raped no matter where you go for a couple reasons.

1.) the letter "R" appears in the name of the bike. i shit you not this is one of those things that is unstated but common knowledge. RR stands for Race Ready by the way.

2.) full fairing

3.) it is a full on sport bike

it will not be cheap no matter where you go. i'd estimate that you will pay at least $1,500/year for full coverage if not more.

**pecha** · 04-02-2007, 06:24 AM

buy for cash, get liability and theft coverage from progressive - that's what I'm doing, I can't afford full coverage neither.

**MYSCZ06** · 04-02-2007, 07:02 AM

I have ins all my bikes that I have owned(current Hayabusa) with USAA...MIlitary affilated to get coverage from them..I heard state farm is good...how old are you drving experience on bike? will have impact..Im an old focker(34) everything I need ins for I use USAA soo that helps too..good luck!

**whitelightnin99** · 04-02-2007, 07:15 AM

i have a 1300 cruiser but state farm we have 7 cars with, they wanted $800/yr, geico wanted over $1000 and so did Geico. Went with a recommended local company called Langley Agency and full coverage (not bare minumum coverage either) runs $588/yr. Everyone else i know only pays ~ $300 yr but i havent taken a motorcycle safety course (if you havent taken that it helps ALOT on rates) and i have a permit not a license

Here is their # if you want to just check and see what they run:
843-667-6003
Langley Agency

**snaggeltooth** · 04-02-2007, 01:55 PM

I know State Farm goes up a lot after 900cc
Most of my quotes for a CBR600 was around $300 .. which is not bad ... and Motorcycle safety course may get it down some more ...

**Pulse Red GTO** · 04-02-2007, 05:23 PM

I've always had St Farm also. When I got my new 05 Gixxer 1000, it was in my name, I was 24 with a perfect driving record & the dam thing was $145 a month!! Once I turned 25, it went down to like $38 a month, hugh downfall. This was with $100 comp & $500 collision coverage

**1MileCrash** · 04-02-2007, 05:44 PM

Geico and Progressive are the highest for rates so don't even bother with them. they quoted me $2,500/year for the bike that i currently have.

**CaptainCaveMan** · 04-02-2007, 05:53 PM

Originally Posted by joerockhead

So Easy, even Caveman can do it!

**AKIRA** · 04-02-2007, 06:19 PM

Originally Posted by 1MileCrash

Geico and Progressive are the highest for rates so don't even bother with them. they quoted me $2,500/year for the bike that i currently have.

Thats outrageous.

Ive never had insurance on a bike because of this.

**1MileCrash** · 04-02-2007, 07:20 PM

Originally Posted by AKIRA

Thats outrageous.

Ive never had insurance on a bike because of this.

yeah the lady on the other end said "are you sitting down?" yeah...why? "well to insure that bike it will be $2500 per year. sir i think you should consider a different bike." my response to her "no...i'll just consider a different insurance company." and i hung up.

like i said. American Family Insurance...same bike...$500/year...full coverage.

Progressive knows motorcycles...my left foot

**Z28Camaro010** · 04-02-2007, 08:14 PM

I pay 370 a year for full coverage on an '04 600RR with USAA, but I had my grandfather put his name on the title so they think he co owns it and then he put it on his insurance which has a harley and 3 other honda bikes on it. So he gets the multi bike discount and the senior discount. Other wise anybody else wanted around 3 grand a year for full coverage.