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post #1 of 22 (permalink) Old 03-06-2012, 09:05 PM Thread Starter
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insurance!

Hey everyone,

searched the forums and didn't see anything about this... curious what everyone is paying per year (or monthly) for their insurance plans?

- how long have you been riding?
- what do you ride?
- how old are you?
- been in accidents?
- who provides your plan?
- do you have other vehicles/houses on a combo plan?
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post #2 of 22 (permalink) Old 03-06-2012, 09:20 PM
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Quote:
Originally Posted by shihjhit View Post
Hey everyone,

searched the forums and didn't see anything about this... curious what everyone is paying per year (or monthly) for their insurance plans?

- how long have you been riding? 4 years
- what do you ride? 2000 Buell M2 Cyclone/1981 KZ 750
- how old are you? 40
- been in accidents? None in the last 20 years that were my fault
- who provides your plan? Rider
- do you have other vehicles/houses on a combo plan? Yes but, motorcycle(s) are on a different policy
My responses in RED

I pay $200.oo per year for 2 bikes. I have full coverage on my Cyclone and state minimum on my KZ 750.

"Political Correctness is tyranny with manners."
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post #3 of 22 (permalink) Old 03-06-2012, 10:16 PM
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Quote:
Originally Posted by shihjhit View Post
Hey everyone,

searched the forums and didn't see anything about this... curious what everyone is paying per year (or monthly) for their insurance plans?

- how long have you been riding?
- what do you ride?
- how old are you?
- been in accidents?
- who provides your plan?
- do you have other vehicles/houses on a combo plan?
-3 years
-1993 Yamaha Virago 750
-24
-Yes, 2; neither my fault
-Progressive
-No, my car is through another provider
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post #4 of 22 (permalink) Old 03-07-2012, 08:37 AM
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Quote:
Originally Posted by shihjhit View Post
Hey everyone,

searched the forums and didn't see anything about this... curious what everyone is paying per year (or monthly) for their insurance plans?

- how long have you been riding? 36
- what do you ride? Kaw '75 Z1-B 900
- how old are you? 61-
been in accidents? None-
who provides your plan? Safeco- do you have other vehicles/houses on a combo plan? 2 Cars

$100.00 yr. Liability only
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post #5 of 22 (permalink) Old 03-07-2012, 09:58 AM
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Quote:
Originally Posted by shihjhit View Post
Hey everyone,

searched the forums and didn't see anything about this... curious what everyone is paying per year (or monthly) for their insurance plans?

- how long have you been riding?6 MONTHS
- what do you ride?2005 Yamaha V-Star 650
- how old are you? 46
- been in accidents?Was in a car accident over 20 yrs ago
- who provides your plan? Allstate
- do you have other vehicles/houses on a combo plan?Cars have Allstate too but separate plan
$250.00 per year
I have Allstate for vehicles and home.
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post #6 of 22 (permalink) Old 03-07-2012, 10:50 AM
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Quote:
Originally Posted by shihjhit View Post
Hey everyone,

searched the forums and didn't see anything about this... curious what everyone is paying per year (or monthly) for their insurance plans?

- how long have you been riding? 5 years now... went quick!
- what do you ride? 2008 Yamaha R6
- how old are you? 27
- been in accidents? Nope, knock on wood. (none my fault in cages either)
- who provides your plan? State Farm
- do you have other vehicles/houses on a combo plan? Car, Truck, House and Bike all on same plan, all full coverage for vehicles

$16 a month for the bike (~$200 a year), $500 deductilbe, full coverage. I think location has a large effect as well.
Answers above

If you don't sin...
Jesus died for nothing.

Last edited by Hawkeye; 03-07-2012 at 10:52 AM.
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post #7 of 22 (permalink) Old 03-07-2012, 11:21 AM
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Quote:
Originally Posted by WinterWarrior View Post
-3 years
-1993 Yamaha Virago 750
-24
-Yes, 2; neither my fault
-Progressive
-No, my car is through another provider
This info is no help with a numba...

If you don't sin...
Jesus died for nothing.
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post #8 of 22 (permalink) Old 03-07-2012, 12:32 PM Thread Starter
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ah, interesting- thanks for the responses!

I guess i should've also asked what state/location everyone is...
anyone here from or close to Los Angeles?

I was hoping to get a discount on insurance by combo-ing with home/car but it seems like a lot of you have separate policies; is there an advantage in this?

next step- gotta talk to my agent!
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post #9 of 22 (permalink) Old 03-07-2012, 01:21 PM
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Quote:
Originally Posted by shihjhit View Post
Hey everyone,

searched the forums and didn't see anything about this... curious what everyone is paying per year (or monthly) for their insurance plans?

- how long have you been riding? 4yrs
- what do you ride? 2005 Honda Shadow Spirit 750
- how old are you? 45
- been in accidents? one, years ago
- who provides your plan? Progressive
- do you have other vehicles/houses on a combo plan? by itself
I pay $114/yr. full coverage. From New Orleans area, very high insurance rates here.

2007 Yamaha FZ6
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post #10 of 22 (permalink) Old 03-07-2012, 01:30 PM
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Quote:
Originally Posted by shihjhit View Post
ah, interesting- thanks for the responses!

I guess i should've also asked what state/location everyone is...
anyone here from or close to Los Angeles?

I was hoping to get a discount on insurance by combo-ing with home/car but it seems like a lot of you have separate policies; is there an advantage in this?

next step- gotta talk to my agent!
My regular insurance company doesn't handle MC insurance anymore. I had progressive for a while and found Riders... The rates were about 40% less and include roadside assistance (with full coverage).

"Political Correctness is tyranny with manners."
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post #11 of 22 (permalink) Old 03-07-2012, 07:40 PM
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Quote:
Originally Posted by shihjhit View Post
Hey everyone,

searched the forums and didn't see anything about this... curious what everyone is paying per year (or monthly) for their insurance plans?

- how long have you been riding?
- what do you ride?
- how old are you?
- been in accidents?
- who provides your plan?
- do you have other vehicles/houses on a combo plan?

20 years
08 Ducati Monster S2R1000
46
None (one low-side not reported-damage was fixable by me)
Progressive
94 pick up is on same plan-for both vehicles fully insured I pay 62.00 & change monthly. The bike is $11.59/mo

RideForKids.org
Ciao Sic
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post #12 of 22 (permalink) Old 03-08-2012, 12:51 AM
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2 years
1989 Harley Sportster / 1986 Honda Shadow
34
Yes, rolled a car at 70 mph about 4 months ago. My only accident.
Geico
Yes, 2 other cars

Full coverage on the Shadow was only $100 a year. I just added the Sportster and that was $340 a year! I was kinda expecting things to go up though after totaling my wife's car a few months ago.
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post #13 of 22 (permalink) Old 03-08-2012, 12:06 PM
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Quote:
Originally Posted by shihjhit View Post
ah, interesting- thanks for the responses!

I guess i should've also asked what state/location everyone is...
anyone here from or close to Los Angeles?

I was hoping to get a discount on insurance by combo-ing with home/car but it seems like a lot of you have separate policies; is there an advantage in this?

next step- gotta talk to my agent!
For having multiple policy I get around 20% discount through SF.

If you don't sin...
Jesus died for nothing.
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post #14 of 22 (permalink) Old 03-09-2012, 02:10 PM Thread Starter
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great! thanks for all the responses.

i realized i never answered my own questions for you guys... so here goes:

- how long have you been riding? new rider
- what do you ride? CCW misfit
- how old are you? 26
- been in accidents? none (11 yrs of driving a car)
- who provides your plan? no MC insurance yet
- do you have other vehicles/houses on a combo plan? home and car under farmers.

i got a quote for farmers at over $700 a year!

so i went ahead and checked out progressive and it's under $200 a year for pretty decent coverage.

riders insur looked good but unfortunately doesnt offer in my area (los angeles, ca)
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post #15 of 22 (permalink) Old 03-10-2012, 12:59 PM
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- how long have you been riding? 10 months
- what do you ride? 78' CB400T
- how old are you? 28
- been in accidents? 0
- who provides your plan? Progressive
- do you have other vehicles/houses on a combo plan? My car

I paid $76 for the first year with minimum liability and no comprehensive or collision (not the best idea in retrospect). I am going to switch to Geico and raise my limits for uninsured and underinsured motorist and get comprehensive coverage when this runs out.
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post #16 of 22 (permalink) Old 03-11-2012, 09:33 PM
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- how long have you been riding? 5 months
- what do you ride? 86 GPz 600r
- how old are you? 27
- been in accidents? 1 but no longer on record. In another state and almost 10 years ago. Allstate still wont covers me because of it.
- who provides your plan? Progressive through USAA
- do you have other vehicles/houses on a combo plan? No, Truck is through Esurance

$188 a year, full coverage. Prolly gunna go up next year, got busted doing 15 over recently.

Chrome is the Devil, Paint it black

Last edited by z9nine; 03-11-2012 at 09:36 PM.
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post #17 of 22 (permalink) Old 03-11-2012, 10:10 PM
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Hey everyone,

searched the forums and didn't see anything about this... curious what everyone is paying per year (or monthly) for their insurance plans?

- how long have you been riding? 2 months
- what do you ride? 09 Yamaha RS Warrior
- how old are you? 33
- been in accidents? No
- who provides your plan? State Farm
- do you have other vehicles/houses on a combo plan? No.

California, Full coverage 100k,300k limits

Around 600 per year
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post #18 of 22 (permalink) Old 03-12-2012, 07:45 PM
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I've been with Progressive for so darn long they should start paying me back.

I insure the Zephyr and KLX650 for $100 for both of them. I have higher limits than minimum along with fire/theft/vandalizm. I figure if I crash them I'll pay.

I'm thinking it's been over 25 years now with them and no claims and I'm 57 years old riding street since 1975.

KLX650C, Zephyr 550
SR500, Bultaco Sherpa T
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post #19 of 22 (permalink) Old 03-13-2012, 01:20 PM
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$37 per month

- how long have you been riding? 1.5 years
- what do you ride? 2009 Ninja 650R
- how old are you? 37
- been in accidents? No
- who provides your plan? ALFA
- do you have other vehicles/houses on a combo plan? Yes; house and 3 cars

Red 2009 Ninja 650R, 48mpg, 12.1s in the 1/4
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post #20 of 22 (permalink) Old 03-13-2012, 01:47 PM
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$306 per year for both bikes (FJR $194, Bandit $112)
- how long have you been riding? me: 24 years, wife: 4 years
- what do you ride? me: 2011 Yamaha FJR1300, wife: 2007 Suzuki Bandit 1250
- how old are you? me: 43, wife 41
- been in accidents? no, but one ticket
- who provides your plan? Liberty Mutual
- do you have other vehicles/houses on a combo plan? Two cars and house

Full coverage - $1000 deductible - 250k,500k limits
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post #21 of 22 (permalink) Old 03-13-2012, 02:54 PM
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Quote:
Originally Posted by shihjhit View Post
Hey everyone,

searched the forums and didn't see anything about this... curious what everyone is paying per year (or monthly) for their insurance plans?

- how long have you been riding?
- what do you ride? VF750C
- how old are you? 66 years old
- been in accidents? No
- who provides your plan? Progressive
- do you have other vehicles/houses on a combo plan? No

$147.00 per year, full coverage.
I think the fact that I live in Idaho also has some bearing on the low rate.

65....goin' on 35!
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post #22 of 22 (permalink) Old 03-14-2012, 09:58 PM
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- how long have you been riding? Less than a year
- what do you ride? 2010 Hyosung GT250R
- how old are you? 24
- been in accidents? None that are my fault
- who provides your plan? State Farm
- do you have other vehicles/houses on a combo plan? My truck + my bike

I pay about $30 a month for Full Coverage, $500 Deuc.
Man, I can't wait until I hit 26 and it starts to go down.
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