insurance - Motorcycle-Journal Forums

stock28 · 02-09-2005, 12:15 PM

This makes no sense to me. State Farm rates go by CC alone. Premiums for a 750 cruiser are listed higher than a 636r! I always thought the type of bike had a big part in the price of the premium. Anyone else experience this?

tlwisner · 02-09-2005, 12:32 PM

I would probably look elsewhere for my 750 cruiser insurance. Bike-line is good for my cruisers and my sport-tourer.

axel_2078 · 02-09-2005, 12:39 PM

Quote:

Originally Posted by stock28

This makes no sense to me. State Farm rates go by CC alone. Premiums for a 750 cruiser are listed higher than a 636r! I always thought the type of bike had a big part in the price of the premium. Anyone else experience this?

Most insurance companies do look at what type of bike it is (cruiser vs high-performance) before they look at the engine size. However, my insurance company, USAA, also goes solely by engine size, so I am paying slightly more for my '03 800 Marauder than I was for my '04 Gixxer 600. It can be an advantage or a disadvantage depending on what type of bike you have. I'm sticking with USAA because I'm paying $185 a month to insure 3 new vehicles. Considering my wife's driving record, that's not too bad. (She was paying $250/month on a Pontiac Sunfire before we got married)

**Freakinout** · 02-09-2005, 03:51 PM

Go with somebody else, or at least see how much other people's insurance is. If you have a lower cc bike (like me) its an advantage. But I use progressive anyway, $122/yr for me.

Samsonskeg · 02-09-2005, 04:19 PM

122 a year? wtf? i pay 171 a month.

**Freakinout** · 02-09-2005, 04:26 PM

With progressive it runs me 122/yr for liability insurance. My bike isn't worth enough to pay the horrible premiums for anything else.

Pinhy · 02-09-2005, 05:01 PM

state farm i am looking at $400 / yr for the M50....

**87gsxrnut** · 02-09-2005, 05:19 PM

BUAHAHAHAHAHA!

$146 a year for two GSX-R's which I hardly ride.

- Nut

c50tiger · 02-09-2005, 10:51 PM

$207 a year for a 2005 C50 with Progressive - full coverage and $250 deductibles.

Pinhy · 02-09-2005, 10:54 PM

sux living in tampa....one of the highest cities for car insurance

Nexus242 · 02-10-2005, 12:04 AM

Quote:

Originally Posted by axel_2078

(She was paying $250/month on a Pontiac Sunfire before we got married)

maybe your wife should be driving, anything.

Nexus242 · 02-10-2005, 12:07 AM

Quote:

Originally Posted by Samsonskeg

122 a year? wtf? i pay 171 a month.

$2052 a year?? You have to be under 25, have mad tickets or at least 1 at fault wreck and don't have anything else insured with them.

stock28 · 02-10-2005, 12:48 AM

What amounts do you have for bodily injury and uninsured motor vehicle?

jaydog19833 · 02-10-2005, 01:53 AM

I hear ya man, I'm 21 and I pay over 130 monthly for crappy deductible.......

Samsonskeg · 02-10-2005, 08:23 AM

nexus nailed it

axel_2078 · 02-10-2005, 08:55 AM

Quote:

Originally Posted by Nexus242

maybe your wife should be driving, anything.

She's only been in two accidents and both of them involved someone else hitting her because they weren't paying attention.

c50tiger · 02-11-2005, 12:37 AM

Quote:

Originally Posted by stock28

What amounts do you have for bodily injury and uninsured motor vehicle?

Bodily Injury, including passenger, 20k/40k - property 10k. Also includes 1k custom parts/equipment at no extra charge. I don't carry uninsured motorist coverage.

md2lgyk · 02-11-2005, 09:06 AM

Lucky you. Here in WV, Uninsured Motorist coverage is required by law. So is Underinsured Motorist coverage, which for some reason is a lot more expensive.

Samsonskeg · 02-11-2005, 09:09 AM

my insurance policy will pay up to 100k for any damages/ injury...

wrenim · 02-13-2005, 06:39 AM

Guess I can't complain. I pay $350 a year for full coverage on an '04 VTX Retro and the ol' lady's '04 Savage. I did have to switch to this company 'cause the the company that carries the rest of my insurance wanted more than that just to insure the VTX.

02-09-2005, 12:15 PM	#1 (permalink)
stock28 Seat Tester Joined: Nov 2004 Posts: 80	insurance This makes no sense to me. State Farm rates go by CC alone. Premiums for a 750 cruiser are listed higher than a 636r! I always thought the type of bike had a big part in the price of the premium. Anyone else experience this?

02-09-2005, 12:32 PM	#2 (permalink)
tlwisner Throttle Jockey Joined: Apr 2004 Bike: '05 Boulevard C50 Location: Central Kentucky Posts: 3,208	I would probably look elsewhere for my 750 cruiser insurance. Bike-line is good for my cruisers and my sport-tourer. __________________ Tim Wisner AMA, SCRC Happiness is something we create

02-09-2005, 03:51 PM	#4 (permalink)
Freakinout Tire Eating Moderator Joined: Jul 2004 Bike: 2001 Suzuki TL1000S Location: Texas Posts: 2,617	Go with somebody else, or at least see how much other people's insurance is. If you have a lower cc bike (like me) its an advantage. But I use progressive anyway, $122/yr for me. __________________ Freakinout

02-09-2005, 04:26 PM	#6 (permalink)
Freakinout Tire Eating Moderator Joined: Jul 2004 Bike: 2001 Suzuki TL1000S Location: Texas Posts: 2,617	With progressive it runs me 122/yr for liability insurance. My bike isn't worth enough to pay the horrible premiums for anything else. __________________ Freakinout

02-09-2005, 05:19 PM	#8 (permalink)
87gsxrnut Ho Dog Joined: Dec 2003 Bike: 867-5309 Location: Terror Lake Posts: 4,224	BUAHAHAHAHAHA! $146 a year for two GSX-R's which I hardly ride. - Nut __________________ Person or person's unknown.

02-09-2005, 04:19 PM	#5 (permalink)
Samsonskeg Clunked into first gear Joined: Oct 2004 Bike: 01 katana Location: New York Posts: 205	122 a year? wtf? i pay 171 a month.

02-09-2005, 05:01 PM	#7 (permalink)
Pinhy Doesn't think you're funny Joined: Dec 2004 Bike: 05 Boulevard M50 Black Location: Tampa, FL Posts: 5,210	state farm i am looking at $400 / yr for the M50....

02-09-2005, 10:51 PM	#9 (permalink)
c50tiger Can Ride And Chew Gum Joined: Aug 2004 Bike: 2005 C50 Location: Selma, Alabama Posts: 2,058	$207 a year for a 2005 C50 with Progressive - full coverage and $250 deductibles. __________________ Let's think the unthinkable, let's do the undoable, let's prepare to grapple with the ineffable itself, and see if we may not eff it after all. - Douglas Adams COGITO EGGO SUM: I think, therefore I am... a waffle

02-09-2005, 10:54 PM	#10 (permalink)
Pinhy Doesn't think you're funny Joined: Dec 2004 Bike: 05 Boulevard M50 Black Location: Tampa, FL Posts: 5,210	sux living in tampa....one of the highest cities for car insurance

02-10-2005, 12:48 AM	#13 (permalink)
stock28 Seat Tester Joined: Nov 2004 Posts: 80	What amounts do you have for bodily injury and uninsured motor vehicle?

02-10-2005, 01:53 AM	#14 (permalink)
jaydog19833 U.B's LoveChild Joined: Jun 2004 Bike: 04 GSXR 600 Location: Lake George, NY Posts: 1,288	I hear ya man, I'm 21 and I pay over 130 monthly for crappy deductible.......

02-10-2005, 08:23 AM	#15 (permalink)
Samsonskeg Clunked into first gear Joined: Oct 2004 Bike: 01 katana Location: New York Posts: 205	nexus nailed it

02-11-2005, 09:06 AM	#18 (permalink)
md2lgyk Wants Better Weather Joined: May 2004 Bike: '03 Marauder 800 Location: Harpers Ferry, WV Posts: 665	Lucky you. Here in WV, Uninsured Motorist coverage is required by law. So is Underinsured Motorist coverage, which for some reason is a lot more expensive. __________________ "The great object is, that every man be armed. Everyone who is able may have a gun." - Thomas Jefferson

02-11-2005, 09:09 AM	#19 (permalink)
Samsonskeg Clunked into first gear Joined: Oct 2004 Bike: 01 katana Location: New York Posts: 205	my insurance policy will pay up to 100k for any damages/ injury...

02-13-2005, 06:39 AM	#20 (permalink)
wrenim Newbie Joined: Dec 2004 Bike: Ridin' a VTX currently. Location: Damn. I gotta admit I'm in Ohio? Posts: 14	Guess I can't complain. I pay $350 a year for full coverage on an '04 VTX Retro and the ol' lady's '04 Savage. I did have to switch to this company 'cause the the company that carries the rest of my insurance wanted more than that just to insure the VTX. __________________ Justa rice-ridin' scooter tramp.

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