Motorcycle insurance

TheCrownedOne

TheCrownedOne

Registered User
I've been shopping around these last few days for an insurer for my motorcycle. I've called a few places like Progressive and Geico to get quotes and whatnot, and I was just wondering if any of the riders here have any advice for me as far as a good company to go with? So far I've gotten the best quote from Geico, which was something like $1200 a year.

Background: never even ridden a bike before (guess I shouldn't tell them that :p ). My first bike is going to a red 2006 Suzuki SV650. I'd like to take an MSF course if I can find one around here.

Thanks in advance, guys.
 
I have Progressive myself.
Also, look into seasonal insurance. Not sure where you live, but the fall and winters here are rainy and cold so I don't ride then. They don't charge me from oct-march.
Definitely take the course because that should lower your rates.

Good luck and congrats.
 
might look at some independant motorcycle only insurance agents..they arent usually as strict with what are "allowed and disallowed" bikes and have very competitive rates and different options like seasonal coverage etc...
 
I had Prgressive with 3 months off for the seasons. Either way, a new rider with a new bike and full coverage is going to cost $$. Your age too factors in. At 18, I bought a new ZX6R. Progressive wanted $1200/year. Not being able to afford that with new car insurance at the time being over $3k/year I ran basic liability coverage for $265/year/
 
I am paying $620 a year for minimal coverage, insured motorist, uninsured motorist, and some minor medical coverage on a brand new 2005 600RR. I'm only 20- my full coverage was rediculous, but since I paid for my bike in full, i just got the basic. i'm with geico- i found them to be the best priced for me. tho i've heard state farm has some pretty good rates.

when i had my 03 sv650s at 18, my insurance was out the roof, can't remember what it was but i worked all summer just for the insurance tab!
 
Pioneer said:
Rider insurance
ASAA if you can get it
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I have rider on my 4-wheeler, good prices all around.

I think you meant USAA, if not then sorry. But, USAA is difficult to get into if your not military. They are good as well.
 
STATE FARM.

Run, don't walk to State Farm. I guarantee nobody will be lower. Guarantee. A group of 12 of us all have State Farm NOW. I pay $21 a month, full coverage for a 2005 Suzuki GSXR600.

You'll pay slightly higher depending on age and driving record, but PLEASE, FOR THE LOVE OF GOD, give them a call.

Progressive quoted me $8000 a year... I'm not kidding. Geico was $3800. State Farm... 300 or something...

CALL NOW... (and no i don't work for State Farm).
 
I wouldn't use Progressive or Geiko to cover so much as my pillowcase ( in the event Glen takes a dumo on it).
You may find their quotes good but they are cut rate and their claims handling practices are shady at best. State Farm is a good company, as is USAA. ( I do work for an Ins. company but it is not SF or USAA )
 
off topic... but I would definitly recommend taking the MSF course first for safety reasons. It also helps you get lower rates on insurance.(in some cases)
 
agreed- def. msf course is a must. taken it twice now. almost got certified to be an instructer.

now that you mention all these great things abt state farm, when my geico term runs out, i'll be aheading over to the farm and def. will check that out before i sign somewhere else.
 
Just got quoted $400/year for a RC51 through Geico. That's with maxed out medical/property/uninsured and no collision or comp. I'll have to check out State Farm.
 
wow, that's a great quote. might even be cheaper than State Farm... if it's close though, State Farm does do a great job of handling claims... at least in the cases I've seen. not sure on Geiko.
 
It's strange to see so many recommend State Farm. My family has used them for auto insurance since before I was born, but our agent is still quoting me $183 a month w/$500 deductibles. With $1000 deductibles they still want $1800+ a year. That is neither feasable or understandable. I know with my lack of riding experience my rates will be high, but Geico has given me the best rate yet at $1300/year, but that's with $1k deductibles.
This is such a pain. My buddy uses USAA, but he was Air Force. I'll check out Rider Insurance, and I'm still waiting to hear from AIG. Fernet Insurance (Invalid Link Removed) quoted me at $867/year, but does anyone know if they're worth anything? I guess they're low because they're brokers, right?

Thanks for all the help, fellas. You guys are great :thumbsup:

EDIT: I looked at my quote from Fernet again, and it said Provided by one of the companies of the American Modern Insurance Group. I checked on AMIG and they seem to be a very strong company.
 
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Also, what would you guys recommend as the absolutely minimum coverages to append (collision, underinsured, medical, etc.) to keep things on the cheap but worthwhile?
 
revodrew said:
I have rider on my 4-wheeler, good prices all around.

I think you meant USAA, if not then sorry. But, USAA is difficult to get into if your not military. They are good as well.
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yeah, my fault, typo.
 
If you have health insurance, dont worry about carrying medical on your motorcycle insurance...unless you will be riding people who are not insured, that will save you some bucks too.
 
hey TCO, how's the insurance search coming along?
I am only 19, and only have my motorcycle permit, but I wanted to get a motorcycle by the summer. Gotta get looking into things! I'll probably take a MSF course to waive the road test.
 
Well, so far Fernet got me the best quote from AMIG at $880/year without the MSF course. The MSF saves you about 10%. Here in Alabama you don't have to take a road test, but I know some of the insurance companies I spoke with were trying to charge me more because they thought I only had a permit. See about getting the license before you get insurance; it may save you some money.
I went to the dealer today to go ahead and get the final paperwork started, and he got me to call Rider insurance with a discount code he told me to use. They quoted me $999/year with $150 deductibles. I'm going to see what it would cost with higher deductibles, but I'll probably end up going with them because with higher deductibles they should be cheaper than AMIG. Buddy up with your salesman, and perhaps he'll hook you up like mine did. Good luck; I hope everything works out well for you :thumbsup:
 
TheCrownedOne said:
Well, so far Fernet got me the best quote from AMIG at $880/year without the MSF course. The MSF saves you about 10%. Here in Alabama you don't have to take a road test, but I know some of the insurance companies I spoke with were trying to charge me more because they thought I only had a permit. See about getting the license before you get insurance; it may save you some money.
I went to the dealer today to go ahead and get the final paperwork started, and he got me to call Rider insurance with a discount code he told me to use. They quoted me $999/year with $150 deductibles. I'm going to see what it would cost with higher deductibles, but I'll probably end up going with them because with higher deductibles they should be cheaper than AMIG. Buddy up with your salesman, and perhaps he'll hook you up like mine did. Good luck; I hope everything works out well for you :thumbsup:
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what bike are you getting?
 
Hey TCO- ALABAMA!? Anyone here pay insurance in a big city! :thumbsup:

I live in ny,ny so my insurance will be MUCH MUCH more than you! I actually might not be able to afford it! :frustrate

crap I gotta call up 2moro and get a quote.


Anyway, how do you get your license if there is no road test?
 
Oh, sorry to hear about living in NY, Cable. I know your insurance will be a big slap in the face, plus I know I'll be able to ride nearly year round down here. It's okay to be jealous :D

In Alabama, you are only required to take a written test. You pay $5, take the test (20-30 questions), and they grade right then. If you pass, they print you a temporary license, and your new one should arrive in a few weeks. It actually works out pretty well for me since my license expired this year anyway :p
 
Indiana you have to take a written test, then a field test. Best to take the field test on a smaller cruiser type bike like a 500cc vulcan or something. Not sure about the cost as I took mine almost 6 years ago.
 
They don't even have running water or roads in 'Bama, so they'll give out a motorcycle license to anyone. It's a "use at your own risk" type of thing. If they find a dead motorcyclist, they just roll em off the road. Some sort of hillbilly/redneck population control.

:icon_lol:

TheCrownedOne said:
Oh, sorry to hear about living in NY, Cable. I know your insurance will be a big slap in the face, plus I know I'll be able to ride nearly year round down here. It's okay to be jealous :D

In Alabama, you are only required to take a written test. You pay $5, take the test (20-30 questions), and they grade right then. If you pass, they print you a temporary license, and your new one should arrive in a few weeks. It actually works out pretty well for me since my license expired this year anyway :p
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Haha, that's cute :shoot: I hate you ;)
Yeah, what I actually did was walk in and say, "Mm, dur uh...momasikuhl lysnz...mm."
She grunted and made one for me. It took a couple hours because a couple guys had to draw it since we don't have the technology here to print anything.
 
ROFL... I had to stop once in Alabama for gas... didn't think I'd make it out alive.

TheCrownedOne said:
Haha, that's cute :shoot: I hate you ;)
Yeah, what I actually did was walk in and say, "Mm, dur uh...momasikuhl lysnz...mm."
She grunted and made one for me. It took a couple hours because a couple guys had to draw it since we don't have the technology here to print anything.
Click to expand...
 
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