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Old 03-06-2012, 09:05 PM   #1
shihjhit
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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?
- 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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Old 03-06-2012, 09:20 PM   #2
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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.
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Old 03-06-2012, 10:16 PM   #3
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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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Old 03-07-2012, 08:37 AM   #4
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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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Old 03-07-2012, 09:58 AM   #5
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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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Old 03-07-2012, 10:50 AM   #6
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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
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Last edited by Hawkeye; 03-07-2012 at 10:52 AM..
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Old 03-07-2012, 11:21 AM   #7
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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...
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Old 03-07-2012, 12:32 PM   #8
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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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Old 03-07-2012, 01:21 PM   #9
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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.
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Old 03-07-2012, 01:30 PM   #10
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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).
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Old 03-07-2012, 07:40 PM   #11
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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
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Old 03-08-2012, 12:51 AM   #12
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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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Old 03-08-2012, 12:06 PM   #13
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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.
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Old 03-09-2012, 02:10 PM   #14
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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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Old 03-10-2012, 12:59 PM   #15
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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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Old 03-11-2012, 09:33 PM   #16
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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.
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Old 03-11-2012, 10:10 PM   #17
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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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Old 03-12-2012, 07:45 PM   #18
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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.
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Old 03-13-2012, 01:20 PM   #19
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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
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Old 03-13-2012, 01:47 PM   #20
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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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Old 03-13-2012, 02:54 PM   #21
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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.
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Old 03-14-2012, 09:58 PM   #22
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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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