Bike insurance

[Roto]

Hey guys,

I'm about to pick up a bike to do my commuting on. What's the insurance like on these things? Any particular company that is best? Any "free" discounts?

[4drstunner]

IMO! You really have to shop around. Cause its so different on each bike and each driving abstract. I always thought Ryder was the cheapest but there not in my situation. I have State Farm.

[Kevin]

I've always wondered what bike insurance is like. Most people I know don't insure them because it's a waste of money.

[4drstunner]

I've always wondered what bike insurance is like. Most people I know don't insure them because it's a waste of money.

WOW! A waste of money. How? y? There so easily stolen plus people drop them everyday. Id have ins on my bike before my car. IMO

[Kevin]

WOW! A waste of money. How? y? There so easily stolen plus people drop them everyday. Id have ins on my bike before my car. IMO

They have garages and can ride without falling lol

[supraghost]

liability on motorcycles is really cheap, cause they really cant do that much damage to another vehicle (as compared to a car) but full coverage is insanely expensive. progressive i found was the cheapest... just make sure you do it online (they give free quotes). i pay 220 a year and im 19 with a 600 sportbike. my quote for full coverage was over $2k! so i figured that wasnt worth it cause i would have to total my biek every other year to get my money's worth.

i beleive state farm is the cheapest if you are buying new...

[4drstunner]

They have garages and can ride without falling lol

LOL ok then!

[Roto]

I was looking for liability costs....I don't need insurance for an old beater....I can always just buy a new one.

[95TurboDC2]

They have garages and can ride without falling lol

what happens when they get pulled over?? wait they dont get pulled over do they??

back in topic. mine is about 105 a month for just liability. you need proof of insurance in order to switch a title or buy something brand new. theres no real way of getting around it.

[Kevin]

what happens when they get pulled over?? wait they dont get pulled over do they??

back in topic. mine is about 105 a month for just liability. you need proof of insurance in order to switch a title or buy something brand new. theres no real way of getting around it.

$1,260 a year for liability? ouch.

And no bikes can't get pulled over. :mrgreen: Unless your gay.

[driftingrx5.7]

man my buddy just got his insurance from gieco for 94 bucks! i pay 236 a year for my bike i just dropped the crash part because my bike is so old. my dad pays 414 a year for his bike full coverage. so shop around you will find some cheap

[Roto]

I've got a quote from progressive for 600/year for liability...not too bad... anyone know if it'll be lower if I take that riding course that the state offers for free?

[bluengoldsti]

I have State Farm and pay $22/month for full coverage. Of course, I'm old, have a clean driving record, and have 4 vehicles on my policy. I wouldn't ride without at least liability in case you hit someone else. As for full coverage, the only time that would really come in handy is if your bike is totaled or stolen. If you just need some new plastics and/or levers and such, its usually cheaper to do it yourself than get your insurance company involved. Your rates will probably skyrocket and it usually costs less than $1000 to fix.

Oh and to Kevin, everyone crashes their bike at sometime. Its the old addage 'Its not if you crash, but when you crash', just a matter of time. I only crashed my bike once, but I 'dropped' it twice.

[Blue32]

State farm is the way to go.. they go by the CCs of the bike.. the higher the more expensive.. My Ducati is $40 a month.. I have clean driving record and I also have my car and my house on the same policy for a slight discount..

[Kevin]

State Farm is the best insurance all around. Too bad I got dropped. :mad:

[driftingrx5.7]

i also have state farm! i guess they are good

[Xavier]

Dairy Land. Look it up. I pay less than $400/yr for FULL coverage.

[Roto]

Dairy Land. Look it up. I pay less than $400/yr for FULL coverage.

Thanks! I just got a quote from them and it's $214/yr without collision and comprehensive...

[zerioustt]

I have full coverage through rider and pay 666 a year...yes 666!

[gpzjack]

I use dairyland. I stay away from Progressive. They quoted me one rate then sent me a bill for 10 times what they quoted. I pay about $250 a yr for full coverage.

[Jon@WrightAgency]

To the thread-starter, we do cycle insurance of all kinds.....and can definately CRUSH the rates of all the companies mentioned in this thread (depending of course on you, your record, etc).

Give me a call, PM, or email and ill work something up for you ASAP :)

TIP: Combine your cycle with your Home & Auto insurance for the best deal (and coverage)

[Munky]

$81 a year liability w/ Progressive on my 2004 GSXR 600. :thumbup:

[Kevin]

What about Geico?

[Silver04STi]

600/year for full coverage in NJ on 2006 CBR600RR...Rider Ins

[rippinsti]

just bought a 2007 GSXR 600 and am paying 325 a year for liability....i had a careless driving ticket on my record thought from back in 2006 so that made it a lil higher........the MSP saftey course does get you a discount and saying you have a anti theft device does too

[05OCsrt-4]

i pay about $240 a year liability on my 2007 gsx-r 600, but you should see the list of tickets i have from NJ, lol

[driftingrx5.7]

man you see here in pa you have to have full coverage if you are paying off the bike. i am trying to see what i can get for an 05 r1 and they are telling me 864 a year for the r1! and thats with state farm no crashes no tickets!

[05OCsrt-4]

man you see here in pa you have to have full coverage if you are paying off the bike. i am trying to see what i can get for an 05 r1 and they are telling me 864 a year for the r1! and thats with state farm no crashes no tickets!

that is a lie about full coverage if your paying off the bike, it depends on where you get the loan for, i paid payments on my gsx-r and had liability

[rippinsti]

all you need yo do is take out a personal loan from the bank that way they dont know what your using the money for and you dont have to have the full coverage. Thats what i did cause any dealership i went to said they would require full coverage if i financed it through them