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How much do you pay for Insurance?

With each post I read i tend to think living in NYC sucks! :surrender:
 
Try San Diego. Found out today that we're the #2 rated city for stolen bikes in the US. :( #1 is LA. No wonder my insurance wasn't cheap.
 
insurance costs

i thought i was getting jacked when my insurance company raised my rates 700 bucks per year when i switched from a 2003 beemer to the fz6r. then i called around for quotes -- AAA and others won't even carry this bike!!! i told them i'm a plump, gray-haired 46-year-old woman with lots of safety gear and safety courses, but they didn't care:) yamaha needs to either put more "touring" in this "sport touring" bike, or they need to educate insurance companies, because all four that i called list it as strictly a sport bike!
 
I go through Progressive and i only pay 247 for 12 months. I'm 23 in Atlanta GA. I did a price quote for geico and that wanted 8600..... Im sure there was a typo when i put it in but i was so put off by the number i didnt try again. lol :disapprove:
 
This insurance racket is BS. I'm beginning to think that they just spin the wheel and see where the little black ball lands. I called several companies and they told me the State of Georgia is just high (crappy drivers) and there is no way in hell they can go any lower (OH REALLY!) then I called State Farm they they said we can get me better and lower so they have been the best so far but these figures are way out of whack I just don;t get it:eek:
 
WenMark said:
This insurance racket is BS. I'm beginning to think that they just spin the wheel and see where the little black ball lands. I called several companies and they told me the State of Georgia is just high (crappy drivers) and there is no way in hell they can go any lower (OH REALLY!) then I called State Farm they they said we can get me better and lower so they have been the best so far but these figures are way out of whack I just don;t get it:eek:
Click to expand...


+1 whack job for sure!
I pay $515/yr 100/300/50 w/uninsured motorist, my buddy has a ducati super sport and a 2006 vstar (1800cc or some monster, biggest vtwin ) and he said he pays about $500 for both his, not sure he has full coverage, and he's been driving for a few years. I'm figuring on my 1 year renewal it'd better be lower (that is if I have no claims, tickets, etc.).
 
Just had a friend that has a Yamaha FJC 1300 renew his insurance. He's had license/bike for a year now and said it dropped $100 at renewal.
 
Well, I am glad to see insurance prices are fairly reasonable, and that I cannot trust the quotes offered on websites. Geico quoted me over $4800 a year for decent coverage on an FZ6R. I am 25 with only 1 wreck on my record. It wasn't my fault, seriously. It was around 4-5 in the morning and the roads were covered with black ice. I was driving a rescue squad crash truck to a vehicle wreck @ 15 mph, slid into a ditch @ 10mph, and then a roll-back wrecker slid sideways into the back of the crash truck, causing about $24,000 of damage.

Since I was in the driver's seat, it went on my personal driving record. But still, Allstate quoted me about $400 a year for insurance on a 150cc scooter. I wonder how much it would be for a 150cc scooter and my eventual Yamaha FZ6R.

Thanks for the ideas on insurance rates,
BP
 
I'm under 25 with 1 ticket on my record and one not at fault accident and I'm paying right around $320 a year with Country Insurance. I dont know if Oregon is the only one with that, but that's who I'm with. It's nice. And I that's full coverage too.
 
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I pay a lot but I have a lot of coverage. My cost is $1,144 per year. I have $300k limits for everything. I also have uninsured motorist for the same amount. For those of you who aren't familiar with what this is - it protects you if someone hits you that has no insurance. Many people buy a high liability limit but little or no uniinsured motorist coverage. This means that if you harm another you are happy to pay but if an uninsured motorist hits you you dont care about your own damage.
 
That's a lot even for uninsured motorist. I have that also through State Farm. I actually have the absolute maximum coverage you can have on a bike and I only pay $600 a year. I did get quotes much higher from companies like Geico, Progressive, Allstate, etc... for up to $3800 a year for that kind of coverage. But their reason was that it's a sport bike. State Farm could care less about the type of bike. They care about the cost of the bike and the displacement. 600 is tiny compared to a lot of the giant displacement VTwin cruisers out there.
 
Mine is about $360 a year, for a female 25+ with an operation after suspension and failure to registure motor vehicle on my record. State Farm rocks!!!
 
That's one downfall to living in California. All these low rates in the $250-$300 range are all east coast or small town areas it seems. I don't get most companies logic though. My dad has an $18000 Harley (1450cc) with Markel insurance with maximum coverage. He pays $350 a year. That's their lowest rate. The same company wanted literally 10 times that for an $8000 sportbike. It'll cost them more than his yearly rate to fix a scratch on the chrome let alone any real damage. I just don't get it.
 
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Yeah, my BF and I live in a small town that has a very low crime rate. So, that helps with the rates. I still can't undertand how the insurance companies can justify charging some people over $1000. That's just mind boggling to me.
 
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