Bike insurance - TriStateTuners.com :: Home of Tristate Auto Enthusiast

Roto · 04-10-2008, 01:59 PM

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?

2drStunner · 04-10-2008, 02:08 PM

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 · 04-10-2008, 02:13 PM

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

2drStunner · 04-10-2008, 02:17 PM

Quote:

Originally Posted by 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.

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 · 04-10-2008, 02:20 PM

Quote:

Originally Posted by 4drstunner

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 · 04-10-2008, 02:30 PM

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...

2drStunner · 04-10-2008, 02:35 PM

Quote:

Originally Posted by Kevin

They have garages and can ride without falling lol

LOL ok then!

Roto · 04-10-2008, 04:08 PM

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

95TurboDC2 · 04-10-2008, 04:41 PM

Quote:

Originally Posted by Kevin

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 · 04-10-2008, 06:11 PM

Quote:

Originally Posted by 95TurboDC2

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.

Unless your gay.

driftingrx5.7 · 04-11-2008, 01:28 AM

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 · 04-11-2008, 08:13 AM

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 · 04-11-2008, 10:13 AM

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 · 04-11-2008, 04:18 PM

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 · 04-11-2008, 04:23 PM

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

driftingrx5.7 · 04-11-2008, 10:17 PM

i also have state farm! i guess they are good

Xavier · 04-12-2008, 10:16 PM

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

Roto · 04-14-2008, 01:35 PM

Quote:

Originally Posted by Xavier

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 · 04-14-2008, 07:28 PM

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

gpzjack · 04-14-2008, 08:33 PM

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.

04-11-2008, 01:28 AM	#11
driftingrx5.7 Tri-State Post Whore Join Date: Dec 2006 Location: Poconos PA Member #3099 My Ride: 88 rx5.7 iTrader: (0)	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 __________________ my v8 rx7build To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

04-11-2008, 10:17 PM	#16
driftingrx5.7 Tri-State Post Whore Join Date: Dec 2006 Location: Poconos PA Member #3099 My Ride: 88 rx5.7 iTrader: (0)	i also have state farm! i guess they are good __________________ my v8 rx7build To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

04-14-2008, 08:33 PM	#20
gpzjack Tri-State Addict Join Date: Jan 2007 Location: Aston Member #3422 My Ride: 07 Legacy 06 Mazda5 96 Dakota 78 Firebird 03 Kawasaki iTrader: (2)	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. __________________ 07 Legacy 06 Mazda5 96 Dakota 78 Firebird 03 Kawasaki To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

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04-10-2008, 02:30 PM	#6
supraghost Tri-State Post Whore Join Date: Mar 2008 Location: Marietta, PA Member #7051 My Ride: 2002 5mt IS300, 1995 s14 iTrader: (3)	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...

04-11-2008, 10:13 AM	#13
bluengoldsti Tri-State Aficionado Join Date: Oct 2005 Location: Langhorne, PA Member #969 My Ride: 2005 Subaru STi / 2006 and 2008 Suzuki GSXR600, 2010 KTM SMC 690 iTrader: (0)	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.