Bike insurance
- nitzer
- Posts: 1607
- Joined: Sat Apr 21, 2012 5:27 pm
- Riding Style: Novice Track Rider
- Achievement count: 8
- Location: Austin
Re: Bike insurance
$77/year for liability or $477/year full coverage with 0 years motorcycle experience when I got it through Progressive. No tickets.
- Derek
2007 Kawasaki Ninja 250 (SOLD)
2003 Suzuki SV650S (SOLD)
2008 Honda VFR 800 Interceptor (Street)
Winning hearts and minds...two the heart, one to the mind.
2007 Kawasaki Ninja 250 (SOLD)
2003 Suzuki SV650S (SOLD)
2008 Honda VFR 800 Interceptor (Street)
Winning hearts and minds...two the heart, one to the mind.
- DLSGAP
- Posts: 889
- Joined: Mon May 14, 2007 10:00 am
- Riding Style: Advanced Track Rider
- Achievement count: 0
- Location: Midlothian
Re: Bike insurance
Ok so Allstate is asking for proof that I've been riding Atleast 5 years.. Wtf? I've had a bike license in TX since I moved back here in 05 and I had a Tennessee bike license for 11 years before that... Isn't license history sufficient? I never would have thought I would need to prove that
Wear your gear... I'd rather sweat than bleed.
Current bike:
CBR954RR
Former bikes
'87 YSR
' 92 CBR 600F2
'91 ZX7
' 92 ZX7RR
'94 ZX7RR
' 98 ZX7R
'07 ZX10R
' 11 FZ8
Current bike:
CBR954RR
Former bikes
'87 YSR
' 92 CBR 600F2
'91 ZX7
' 92 ZX7RR
'94 ZX7RR
' 98 ZX7R
'07 ZX10R
' 11 FZ8
- DarcShadow
- Club Staff/Web Master
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Re: Bike insurance
What sort of proof are they asking for. Out side of speeding tickets, and accident reports there's no official record of me actually riding andn I sure as hell wouldn't tell an insurance agent about any speeding tickets or accidents that they don't already know about.
I Refuse to Tiptoe Through Life...Only to Arrive Safely at Death.
Attack Life! It's gonna kill you anyway.
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Attack Life! It's gonna kill you anyway.
http://www.facebook.com/DSDecals
- Striple
- Posts: 3636
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- Riding Style: Licensed Racer - Expert
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- Location: Haltom City, TX
Re: Bike insurance
Did you keep any of your annual registration renewal receipts? Maybe that will suffice.
Current: 10 Triumph Street Triple | 08 Kawasaki Concours 14 | 07 Yamaha YZF-R6 (Race) | 05 Suzuki DR650 SE | 04 Yamaha TT-R 125LE
Previous: 08 Honda CBR1000RR LE | 07 Suzuki SV650S #1 | 07 Suzuki SV650S #2 | 05 Triumph Speed Triple | 03 Honda CRF 450R
Previous: 08 Honda CBR1000RR LE | 07 Suzuki SV650S #1 | 07 Suzuki SV650S #2 | 05 Triumph Speed Triple | 03 Honda CRF 450R
Re: Bike insurance
They never asked me for proof, I just made up a number and they said "ok"DLSGAP wrote:Ok so Allstate is asking for proof that I've been riding Atleast 5 years.. Wtf? I've had a bike license in TX since I moved back here in 05 and I had a Tennessee bike license for 11 years before that... Isn't license history sufficient? I never would have thought I would need to prove that
K1600
- dufremle
- Club Staff/Treasurer
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Re: Bike insurance
I think it is their way of saying they don't want you as a customer.
Jim
2024 Subaru Crosstrek
2017 Toyota 4Runner
2024 Subaru Crosstrek
2017 Toyota 4Runner
- DLSGAP
- Posts: 889
- Joined: Mon May 14, 2007 10:00 am
- Riding Style: Advanced Track Rider
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- Location: Midlothian
Re: Bike insurance
I've got no tickets or accident history, had a license since I was 14...
The AMA was able to look up my old membership information showing I was a member from 92 to 95... When I was 16 dad stopped paying my annual dues... He said he thinks that will be sufficient.
I don't have any old registrations from the bikes I had in my name... And not sure the one in my ex's name would help and my current bike is in my current wife's name. I did find a copy of the bill of sale from my last zx7 in my email... But most of the bikes I had were track... So I either never registered or titled them cus they weren't on the street
The AMA was able to look up my old membership information showing I was a member from 92 to 95... When I was 16 dad stopped paying my annual dues... He said he thinks that will be sufficient.
I don't have any old registrations from the bikes I had in my name... And not sure the one in my ex's name would help and my current bike is in my current wife's name. I did find a copy of the bill of sale from my last zx7 in my email... But most of the bikes I had were track... So I either never registered or titled them cus they weren't on the street
Wear your gear... I'd rather sweat than bleed.
Current bike:
CBR954RR
Former bikes
'87 YSR
' 92 CBR 600F2
'91 ZX7
' 92 ZX7RR
'94 ZX7RR
' 98 ZX7R
'07 ZX10R
' 11 FZ8
Current bike:
CBR954RR
Former bikes
'87 YSR
' 92 CBR 600F2
'91 ZX7
' 92 ZX7RR
'94 ZX7RR
' 98 ZX7R
'07 ZX10R
' 11 FZ8
- nitzer
- Posts: 1607
- Joined: Sat Apr 21, 2012 5:27 pm
- Riding Style: Novice Track Rider
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- Location: Austin
Re: Bike insurance
I wouldn't believe you either...lol
- Derek
2007 Kawasaki Ninja 250 (SOLD)
2003 Suzuki SV650S (SOLD)
2008 Honda VFR 800 Interceptor (Street)
Winning hearts and minds...two the heart, one to the mind.
2007 Kawasaki Ninja 250 (SOLD)
2003 Suzuki SV650S (SOLD)
2008 Honda VFR 800 Interceptor (Street)
Winning hearts and minds...two the heart, one to the mind.
- WillK675
- Posts: 8511
- Joined: Tue Mar 24, 2009 2:08 pm
- Riding Style: Intermediate Track Rider
- Achievement count: 35
- Location: Fort Worth
Re: Bike insurance
I think I need to shop my bike insurance. I've got 0 tickets & 0 wrecks on record, perfect credit, and enough riding experience. There is no reason I should be paying the same amount monthly on my 6 year old bike for full coverage, as I am on my brand new truck.
Who has good agents in the area? You want to pass along their info? Thanks!
Who has good agents in the area? You want to pass along their info? Thanks!
-Will
'07 Daytona 675
'09 Versys 650
'14 CB500
'20 MB200
When it comes to addiction Motorcycles are worse than crack.
"Brake fade is God's way of telling you to quit squeezing the coward lever and carry more corner speed, you pussy." - Rhino
'07 Daytona 675
'09 Versys 650
'14 CB500
'20 MB200
When it comes to addiction Motorcycles are worse than crack.
"Brake fade is God's way of telling you to quit squeezing the coward lever and carry more corner speed, you pussy." - Rhino
Re: Bike insurance
Get married, seriously.
Here is how I get cheap motorcycle insurance:
Bundle house, auto, and motorcycle.
Purchase a 750, 600, and 250.
Insure all 3 bikes and arrange "primary" riders like so:
Wife - 750
Kid - 600
Evil man - 250
Yes, how stupid is that, it is MUCH cheaper to insure a 16 yo girl on a 600 than a man on a 250, with good credit and clean record.
All 3 of us are insured on all 3 bikes but they have to list a "primary" driver
Sign up for AMA
Tell them about MSF
$375 per year for all 3 riders all 3 bikes
Here is how I get cheap motorcycle insurance:
Bundle house, auto, and motorcycle.
Purchase a 750, 600, and 250.
Insure all 3 bikes and arrange "primary" riders like so:
Wife - 750
Kid - 600
Evil man - 250
Yes, how stupid is that, it is MUCH cheaper to insure a 16 yo girl on a 600 than a man on a 250, with good credit and clean record.
All 3 of us are insured on all 3 bikes but they have to list a "primary" driver
Sign up for AMA
Tell them about MSF
$375 per year for all 3 riders all 3 bikes
K1600
Re: Bike insurance
Seriously, I don't get it. I'm in the 800 club on credit, 0 wrecks, 0 tickets, 0 anything negative whatsoever. Quote through Progressive for full coverage, fairly low limits with everything, and they are wanting a hair under 3,000/year. I think they must assume a 2013 GSXR-750 costs as much as a Desmosedici RR or something.
"Life may begin at 30, but it doesn't get real interesting until about 150."
- shilka99
- Honorary Club Member
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- Location: Irving
Re: Bike insurance
I did some insurance shopping this week after hearing about some other RSV4 riders getting lower premiums. But it turns out part of the reason Dairyland charges a little more ($160/month) is that they never flinch at paying out for track incidents. An insurance broker friend said for the amount of time my bike is/will be on the track I'd be crazy to go with anyone else. And a friend who tossed his 675R at ECR's turn 2 had very favourable things to say about them.
Shaun in McKinney
RGV250|520SX/SMR|RSV4 Factory
RGV250|520SX/SMR|RSV4 Factory
Re: Bike insurance
I'm paying roughly $70 through State Farm, but my 6-mo policy is set to renew next month and I'm cringing as I know they LOVE to jack up their rates. Good news is I added renter's insurance for when I move to an apartment in Oct, which made it a multi-line discount. When it's all said and done they are paying me $3 a month to add renter's insurance
"Life may begin at 30, but it doesn't get real interesting until about 150."
- dufremle
- Club Staff/Treasurer
- Posts: 12567
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Re: Bike insurance
I have State Farm and I'm paying just over $80/mo. I do have one accident on my record, though. State Farm is still the cheapest, though.
Jim
2024 Subaru Crosstrek
2017 Toyota 4Runner
2024 Subaru Crosstrek
2017 Toyota 4Runner
Re: Bike insurance
Yeah, but they were gonna drop me like a bad habit right after I got a policy with them unless I rolled my cars into them. Grrrr. But still cheaper to pay more for cars and have the bike than it would have to keep the cars with Progressive and get separate motorcycle insurance. Dairyland wanted $200/mo.
"Life may begin at 30, but it doesn't get real interesting until about 150."
- WillK675
- Posts: 8511
- Joined: Tue Mar 24, 2009 2:08 pm
- Riding Style: Intermediate Track Rider
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- Location: Fort Worth
Re: Bike insurance
Firewall, I'm with you. Last I pulled my credit (when I bought my truck) I was at a 790, I have zero accidents, zero tickets, and I'm paying $105 a month for full coverage on the 675. It's rediculous. My truck insurance is an even $100 a month full coverage. It's worth 3 times the cost of my bike new, and is a daily driver not a recreational vehicle. How is it insurance on a recreational vehicle cost more than a daily driver that is worth 6 times as much?
-Will
'07 Daytona 675
'09 Versys 650
'14 CB500
'20 MB200
When it comes to addiction Motorcycles are worse than crack.
"Brake fade is God's way of telling you to quit squeezing the coward lever and carry more corner speed, you pussy." - Rhino
'07 Daytona 675
'09 Versys 650
'14 CB500
'20 MB200
When it comes to addiction Motorcycles are worse than crack.
"Brake fade is God's way of telling you to quit squeezing the coward lever and carry more corner speed, you pussy." - Rhino
- milesmiles
- Ride Leader
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Re: Bike insurance
Will I pay 86 a month and that's with PIP added on as well.
The world needs Miles
Sometimes you gotta draw the line, but that doesn't mean it can't be squiggly-miles
"it's not a stupid dirt bike, it's a supermoto!"-miles
Sometimes you gotta draw the line, but that doesn't mean it can't be squiggly-miles
"it's not a stupid dirt bike, it's a supermoto!"-miles
- WillK675
- Posts: 8511
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- Location: Fort Worth
Re: Bike insurance
That's jacked. and I've got the PIP as well. My agent wouldn't insure my bike without it.
-Will
'07 Daytona 675
'09 Versys 650
'14 CB500
'20 MB200
When it comes to addiction Motorcycles are worse than crack.
"Brake fade is God's way of telling you to quit squeezing the coward lever and carry more corner speed, you pussy." - Rhino
'07 Daytona 675
'09 Versys 650
'14 CB500
'20 MB200
When it comes to addiction Motorcycles are worse than crack.
"Brake fade is God's way of telling you to quit squeezing the coward lever and carry more corner speed, you pussy." - Rhino
- milesmiles
- Ride Leader
- Posts: 13622
- Joined: Fri Jun 04, 2010 4:40 pm
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- Location: Denton
Re: Bike insurance
Would it make you mad if originally I told you it was 76, but they raised it after a year
The world needs Miles
Sometimes you gotta draw the line, but that doesn't mean it can't be squiggly-miles
"it's not a stupid dirt bike, it's a supermoto!"-miles
Sometimes you gotta draw the line, but that doesn't mean it can't be squiggly-miles
"it's not a stupid dirt bike, it's a supermoto!"-miles
- MattStrada
- Posts: 468
- Joined: Tue Jul 17, 2012 9:01 am
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- Location: Fort Worth
Re: Bike insurance
I have state farm the 750 was 75/no the r1 is like 110/mo
Current Rides.
2015 Multistrada 1200s
Past Rides
2013 Yamaha R1.
12 Gsxr 750
2015 Multistrada 1200s
Past Rides
2013 Yamaha R1.
12 Gsxr 750
- Dragonfly
- Club Staff/Ride Leader
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Re: Bike insurance
Where you live and how far you drive for work has a lot to do with setting your rates as well as size and type of bike. And, don't forget about age and marital status.
_________________________________________________________________________________________________________
"Not all who wander are lost"
"Not all who wander are lost"
- Stardog
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- Location: Watauga
Re: Bike insurance
1) Why am I paying $40/month less than you for theft and liability on my 9 year old bike?Shaun/RC30FAN wrote:I did some insurance shopping this week after hearing about some other RSV4 riders getting lower premiums. But it turns out part of the reason Dairyland charges a little more ($160/month) is that they never flinch at paying out for track incidents. An insurance broker friend said for the amount of time my bike is/will be on the track I'd be crazy to go with anyone else. And a friend who tossed his 675R at ECR's turn 2 had very favourable things to say about them.
2) Where did the U in favorable come from?
I am shopping for insurance tomorrow.
DR650
Have cool, will travel
Have cool, will travel
- MattStrada
- Posts: 468
- Joined: Tue Jul 17, 2012 9:01 am
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- Location: Fort Worth
Re: Bike insurance
If you're paying 120/mth that's more than the r1 at full coverage.
Current Rides.
2015 Multistrada 1200s
Past Rides
2013 Yamaha R1.
12 Gsxr 750
2015 Multistrada 1200s
Past Rides
2013 Yamaha R1.
12 Gsxr 750
- DemonDuck
- Honorary Club Member
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Re: Bike insurance
I am paying $70 a month with Geico and that is full coverage on the 2012 BMW S1000RR.
~Jeremiah~ AKA DemonDuck
Live your life that the fear of death can never enter your heart.
2012 BMW S1000RR Red/White
2000 SV650 Track bike
2008 Kawasaki ZX-14 - Sold
1982 Honda CB750K - Sold
Live your life that the fear of death can never enter your heart.
2012 BMW S1000RR Red/White
2000 SV650 Track bike
2008 Kawasaki ZX-14 - Sold
1982 Honda CB750K - Sold
- Rhino
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Re: Bike insurance
What you pay has a lot more to do with you than the bike you ride.
For example I get a really steep discount from Progressive for being a RiderCoach. Doesn't matter what bike I'm on, the discount applies.
For example I get a really steep discount from Progressive for being a RiderCoach. Doesn't matter what bike I'm on, the discount applies.