Motorcycle Insurance, who do you use?

**KBCobra** · 04-01-2009, 12:58 PM

Who do you use and/or whos the cheapest?

I always take insurance off after the summer, no reason to keep it, bike stays garaged all winter and sometimes into spring. I used to use progressive but there damn rates went up. My agent quote me on some company he uses, like $390 a year. I know thats next to nothing and it sounds like i'm being cheap (I am lol), but does that seem good? It's a 05 r6. Was thinkin about bringin the bike out this sunday, get it all ready, but theres not a chance on earth i'll even ride it 1/2 a mile without insurance.

IE I used to pay about $325 w/ progessive, but now they want $605. Thats insane. My record is %100 clean, not a single ticket or accident.

Dan

**phillysrt4** · 04-01-2009, 01:06 PM

I was with State Farm for the bike in my sig (i really should update that sig).

Full coverage, state maximum (100k/300k) liability and collision with a 100 deductable was $290 for the year IIRC.

WIth state farm, you have to pay by the year. I guess because their rates are so cheap they have to make you pay for a whole year at a time.

BTW - i lived in a relatively high risk zip code too.

EDIT - I did have a car when I signed up for insurance, but after I sold the car my rate for the bike didn't go up.

EDIT2 - stangman reminded me, the rate I gave you also had uninsured/underinsured on it, so it was all the coverage options you could get.

State farm as always treated me well. I'd recommend them. The only thing I would do differently having had an accident claim with them in the past is to go to where YOU want the work done instead of using one of their centers which supposedly speeds up the process. Its BS it doesn't speed up jack.

**KBCobra** · 04-01-2009, 01:11 PM

hmmm thats an amazing price! The price I listed above is liability only. Full coverage on this r6 is well over 2k a year, not a chance i'll pay that. I know my way around bikes well enough that i'll rebuild the damn thing before I pay those rates. There is a state farm agent 1 mile forom my house, I may go stop there shortly. Thx man!

**Troll** · 04-01-2009, 01:30 PM

yeah +2 for State Farm, but if I recall, I think you have to have AUTO ins with them to get the good rate on the bike ins.

I'm all locked up with them... auto, house, life and bike. I'm paying $3xx something per year for full coverage on an '06 Sportster 1200.

**phillysrt4** · 04-01-2009, 01:30 PM

no problem!

Keep in mind that the GS500 is not in the same insurance class as an R6. I also had my license (as opposed to a permit) and went through MSF.

EDIT - now that troll mentions it, I did have car insurance at the time, but when I dropped my car insurance because I sold the car my bike insurance didn't go up. :shrug:

**Stangman701** · 04-01-2009, 01:30 PM

Man, that's insane Dan. I use progressive and just paid $106 for a whole year of liability. My bike is an 03 Suzuki SV1000. I think it could be less than that if I would have signed the papers waiving the un-insured motorist insurance, but I forgot to send them in. I don't think my bike is considered to be in quite the same category as an R6, but I would imagine it's about as quick.

Edit: I just did a quick quote on Progressive's site and it would be $170/mo. for me for liability on your bike. That's using the absolute minimums on every coverage though(I'm cheap too, haha).

**boost_92** · 04-01-2009, 01:37 PM

That sucks! I'm glad I got rid of my bike. I use to pay $112 a year with progressive and that was an 06 CBR 1000.

**Inkdcountryboy** · 04-01-2009, 01:40 PM

i use progressive and pay $180 a year for both harleys

**SonofaBish** · 04-01-2009, 01:44 PM

I have progressive as well - I pay $114/yr. for liability only on the R1. When i originally got my TL1000R, I was paying 140/yr, then 147, then 130... got the R1 shortly after my last renewal and insurance went up $14 to 144. I just paid my renewal in February and it was 114.....

If you're looking, I can give you the name of my insurance guy - I got hooked up with him because he's a sportbike guy himself - races a GSXR-750 and used to have a TL1000R...... he destroyed everyone else for me on my Trans Am - I haven't gone thru him with the bike just because I've been too lazy.... everytime my renewal comes up, i just pay it so that i don't have to think about it....

let me know

**KBCobra** · 04-01-2009, 01:48 PM

Ok heres the latest. I got that $605 rate through my agent, he said it was light insurance (basic) but apparantly not that light, or he was making alot of money on me. I just qouted online @ progressive.com for bone dry basic liability, $95 a year paid in full!! Woohoo looks like i'll be riding sunday if it doesn't rain lol

**SonofaBish** · 04-01-2009, 01:55 PM

Originally Posted by KBCobra

Ok heres the latest. I got that $605 rate through my agent, he said it was light insurance (basic) but apparantly not that light, or he was making alot of money on me. I just qouted online @ progressive.com for bone dry basic liability, $95 a year paid in full!! Woohoo looks like i'll be riding sunday if it doesn't rain lol

Nice man.... gimme a PM if you're going for a nice ride!

**KBCobra** · 04-01-2009, 02:05 PM

Originally Posted by SonofaBish

Nice man.... gimme a PM if you're going for a nice ride!

will do... More or less I am just gonna change the oil, lube the chain etc etc.. I was so busy workin last summer, I seriously only put about 200 or so miles on the bike. So it needs some tlc before I trust it on a long cruise. Although these jap bikes never fail lol. May toss a new chain on, who know what it looks like after sitting for almost 2 seasons

**SonofaBish** · 04-01-2009, 02:22 PM

Originally Posted by KBCobra

will do... More or less I am just gonna change the oil, lube the chain etc etc.. I was so busy workin last summer, I seriously only put about 200 or so miles on the bike. So it needs some tlc before I trust it on a long cruise. Although these jap bikes never fail lol. May toss a new chain on, who know what it looks like after sitting for almost 2 seasons

It shouldn't be too bad as long as it was lubed well before....

These bikes do seem to be trouble free, especially considering the brutal amount of power they deliver.... *knock on wood*

**NateSVT** · 04-01-2009, 02:50 PM

Originally Posted by KBCobra

Ok heres the latest. I got that $605 rate through my agent, he said it was light insurance (basic) but apparantly not that light, or he was making alot of money on me. I just qouted online @ progressive.com for bone dry basic liability, $95 a year paid in full!! Woohoo looks like i'll be riding sunday if it doesn't rain lol

Sunday = Cobra vs. R6?

**Stangman701** · 04-01-2009, 03:43 PM

Originally Posted by NateSVT

Sunday = Cobra vs. R6?

You better get this on video

**travj31** · 04-01-2009, 04:16 PM

I'd like to see that!

Originally Posted by NateSVT

Sunday = Cobra vs. R6?

**phillysrt4** · 04-01-2009, 04:40 PM

^^^ X2!~!

btw that was 605 with a state farm agent?

**KBCobra** · 04-01-2009, 05:03 PM

Originally Posted by NateSVT

Sunday = Cobra vs. R6?

hahaha if I get it out, no problem man. PM me ur cell, I dont have it anymore, or get mine off anthony. I changed numbers.

I'm rusty as hell but i'll give it all I got lol. clutchless shifting here we come!

**KBCobra** · 04-01-2009, 05:04 PM

Originally Posted by phillysrt4

^^^ X2!~!

btw that was 605 with a state farm agent?

no my agent in Monroeville who sells multiple different companies

**phillysrt4** · 04-01-2009, 05:37 PM

ah ok. If it was state farm that would suprise me.

When I lived in the city proper, it was about 40% less for car insurance versus the cheapest place I lived in the philly area. Thats why i was surprised when you said 605.