Try checking eSurance. I have full coverage for about $800 a year.
Insurance - Comprehensive/Collision?
- Thread starter Comiha22
- Start date
I tried those companies and got very high premiums quoted. I went with State Farm. If I remember correctly, for full coverage I'm paying less than 400 per year....26 years old and good record.
Funkmaxtor
New Member
I am through State Farm and I pay $238 per year for full coverage with a $1000 deductible.
Progressive wanted over $800 for the same policy.
Progressive wanted over $800 for the same policy.
I currently have a 50/100 Calif. policy for my 2008 Ninja 250 with Mercury and asked my agent for a quote on the new FZ6R, with nothing changed except for the bike.
It is currently $334/ yr and they quoted me $1393! Four times more for a bike that is just a little more than twice the engine size...
So I am back to shopping around for insurance and have a lead on a policy that if I get my car insured also I might be able to do it for under $800.
It is currently $334/ yr and they quoted me $1393! Four times more for a bike that is just a little more than twice the engine size...
So I am back to shopping around for insurance and have a lead on a policy that if I get my car insured also I might be able to do it for under $800.
I'm between 25-30 and i'm paying $377 a year for my 09 fz6r with State Farm (full coverage). I guess it helps to have a house insured and 2 cars too 
Just thinking about all that money every year go to something I hope to never use takes the smile out of my face...
I think its time to go for a ride!
Just thinking about all that money every year go to something I hope to never use takes the smile out of my face...
I think its time to go for a ride!
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800 with eSurance but no comp or col
With just about everybody I try it seems that full coverage will cost me between 6000 - 7500 yes thousand dollars at those rates i would just buy the bike over again or pay for the repairs out of pocket!
I do live in NYC and Just got my license in April the agent said that I could bring down the rate if i also insure my car with them and take the MSF but that would still be like 4-5 thousand! I currently pay $200 for the car and am not willing to take that big of a hit!:surrender::surrender:
With just about everybody I try it seems that full coverage will cost me between 6000 - 7500 yes thousand dollars at those rates i would just buy the bike over again or pay for the repairs out of pocket!
I do live in NYC and Just got my license in April the agent said that I could bring down the rate if i also insure my car with them and take the MSF but that would still be like 4-5 thousand! I currently pay $200 for the car and am not willing to take that big of a hit!:surrender::surrender:
I just sent an Email to them to get a quote. I'm checking quotes all over the place (Geico, Progressive, Markel, Allstate, etc...) and for some reason I'm getting some crazy quotes back. I'm talking $3400+ a year with a $650+ initial installment for comprehensive. And I'll need that if I'm financing a bike right? I'm a 30 year old new rider in California. I have one ticket a year ago. (But in checking things online that hasn't changed the quote on penny.) There's no way I can afford $400+ a month for insurance for a weekend hobby. I talked to my dad who's a rider and he thinks it's my age combined with the lack of experience. But how the hell do they expect you to get experience if you can't afford to ride because insurance is so damn expensive!?! It's ridiculous.
I'm with Foremost as well (Farmers bike carrier) and pay about twice that. BUT - before this I hadn't ridden in over 20 years. As my agent explained to me, for the first year of my coverage my rate will be higher. After the first year it will drop down 50% - as long as I don't have more than 1 point on my record. 2pts puts you into the assigned risk catagory and my rate will stay the same and it won't matter if the pts come from the bike or my car - 2pts or more = $$$$.