Insurance cost for sport bikes - Motorcycle-Journal Forums

VIKING · 11-30-2007, 07:09 PM

what is the cost of insurance monthly for a 18 year old with a clean record for a 600cc or bigger sport bike or super sport I would like to get a GSX 750 or a CBR600R

palanon · 11-30-2007, 08:23 PM

Fill out your profile.

We'd need to know town and state for someone to compare.

Welcome

VIKING · 11-30-2007, 08:43 PM

ok thanks I did
I did not see that part when I registered I registered very fast and did not look at what I was doing

omegajim · 11-30-2007, 09:05 PM

If you can get the bike on the folk's policy, shouldn't be too bad.

If you have to get your own policy, it will be expensive, although I can't imagine more than Taxachusetts. One of our members was reporting over 1 k per year from there.

palanon · 11-30-2007, 09:22 PM

We have a lot of folk from Texas. It's slow on the weekend but, someone from there should help.

Like Jim pointed out, at your age, on a race replica, is going to be expensive. I'd bet 2-3 times what a GS 500 would cost.

VIKING · 11-30-2007, 09:45 PM

I get payed $2500 every two weeks but most of that my girl friend takes for car payments and insurancs and what ever she wants like shoes and anything that she can think of that she wants so I don't have that much to spend on insurance what sport bike do you think I should get but not air cooled

mflueras · 11-30-2007, 09:48 PM

It depends on insurance company. Some will not insure you but with your profile I would not be surprised if some insurance companies will turn you down and refuse to insure you or quote ridiculous prices. You will definitely need to shop around. Dairyland seems to be a good place to start. Mine varied by over 3k from one insurance company to the next.

VIKING · 11-30-2007, 10:01 PM

my girl friend is reading my post and is saying that I am not geting a sport bike she wants me to get a HD superglide so she can ride on the back what is the insuranc on a bike like this

mflueras · 11-30-2007, 11:08 PM

Significantly cheaper than it would be for a sports bike. I am not an insurance expert and no one here (unless they are insurance agents) can give you an accurate quote. Like I said you'd have to shop around. If you have insurance now on an automobile, you might get a discount. Reputable insurance companies nowadays use your credit score to base your premiums on so that counts, too. To give you a reference point, I'm thirty, single, have two vehicles insured and my home insured with Shelter. When I added my Buell, Shelter would not even cover such a bike as they considered it too risky. My agent (I've used him for many many years) used Dairyland and got me as low as 110 for six months for a bare bones liability insurance. Full coverage would have been 880 for six months. He got me a quote through someone else (can't remember the name) that was 3700 every six months!!! I have excellent credit and no accidents and major violations.

VIKING · 11-30-2007, 11:40 PM

thanks for all the info you have given but one more thing should I tell them about my girl friend or should I say that I am single

kay · 12-01-2007, 12:13 AM

I don't think you need to go into all that much detail unless you want to. You ARE officially single, aren't you? (meaning, not married) Even with a live-in gf, all your papers should state that you are single.

BTW, be careful with that bike if you decide to go supersports.

Oh one more thing. If you are thinking about having your gf as a passenger, supersports bikes are not made to have passengers even if you can, and it's not very comfy in the back. So if you have any plans of going on long rides together, a cruiser will do a better job.

mflueras · 12-01-2007, 09:50 AM

You're either single or married. No 'tween. Like kay said, don't get into too much detail; insurance agents are in business to make money which comes in the forms of premiums paid by you. Their jobs is to make you pay a higher premium. They will ask you questions related to that such as where the bike is stored, is it locked at night, does it have an alarm, how much riding experience you have had, any safety courses taken, how often you ride, etc. Keep it reasonable and don't offer too many details. If I were you I'd get the yellow pages out and get to calling. You can get a ballpark quote in 5 minutes or less on the phone.

VIKING · 12-01-2007, 12:52 PM

Quote:

Originally Posted by kay

I don't think you need to go into all that much detail unless you want to. You ARE officially single, aren't you? (meaning, not married) Even with a live-in gf, all your papers should state that you are single.

BTW, be careful with that bike if you decide to go supersports.

Oh one more thing. If you are thinking about having your gf as a passenger, supersports bikes are not made to have passengers even if you can, and it's not very comfy in the back. So if you have any plans of going on long rides together, a cruiser will do a better job.

no I am not married she just lives with me and takes my money LOL
and she does not want to ride on the back of a sport bike she rode on the back of my dirt bike and I did a wheele going down the rode and she got scared to death and that is why she does not want me to get a sport bike because wheeles are what I like the best about sport bikes
and thanks again for all the help

Uncle B · 12-01-2007, 05:13 PM

I ride a Suzuki C50T it cost me about $250.00 a year full coverage.

GEICO.com | GEICO Car Insurance. Get an auto insurance quote and save today. Free online motorcycle quotes as well.

tricker · 12-02-2007, 10:33 AM

At 23 years old, single, no accidents at my fault, no tickets, riding a zzr600. I pay a around 550 a year.

VIKING · 12-02-2007, 03:10 PM

Quote:

Originally Posted by tricker

At 23 years old, single, no accidents at my fault, no tickets, riding a zzr600. I pay a around 550 a year.

what company do you have allstate said $3000 for A 2008 ZZR600 but a 2003 was $1500 why is this they are the same bike or am I just crazy

robertc729 · 12-02-2007, 05:01 PM

Quote:

Originally Posted by VIKING

what company do you have allstate said $3000 for A 2008 ZZR600 but a 2003 was $1500 why is this they are the same bike or am I just crazy

5 years difference in the age of the bike, making it less valuable, therefore lower cost to insure.

tricker · 12-02-2007, 08:36 PM

Quote:

Originally Posted by VIKING

what company do you have allstate said $3000 for A 2008 ZZR600 but a 2003 was $1500 why is this they are the same bike or am I just crazy

I have progressive auto insurance

**inspiron** · 12-02-2007, 10:38 PM

FWIW, I pay almost $1000 per year for insurance, and I'm 43 years old with a clean driving record.

Then again, my insurance covers everything ...

johns · 12-03-2007, 08:10 AM

that why woman like money they go mad with it

11-30-2007, 07:09 PM	#1 (permalink)
VIKING Where Am I ? Joined: Nov 2007 Bike: honda CR500 Location: east Texas, texarkana Posts: 28	Insurance cost for sport bikes what is the cost of insurance monthly for a 18 year old with a clean record for a 600cc or bigger sport bike or super sport I would like to get a GSX 750 or a CBR600R

11-30-2007, 08:23 PM	#2 (permalink)
palanon No Significant Other Joined: Apr 2006 Bike: 2003 Bandit 1200S Location: Newmarket, NH Posts: 2,314	Fill out your profile. We'd need to know town and state for someone to compare. Welcome __________________ " In the name of the Speedo, the Tach and the Holy Throttle, amen. "

11-30-2007, 09:05 PM	#4 (permalink)
omegajim M-J.Com Lifetime Achievement Award Joined: Jan 2007 Bike: 1980 Yamaha XS850 Location: Washington County, WI Posts: 6,011	If you can get the bike on the folk's policy, shouldn't be too bad. If you have to get your own policy, it will be expensive, although I can't imagine more than Taxachusetts. One of our members was reporting over 1 k per year from there. __________________ "FREE TIBET!"* With purchase of one Tibet of equal or greater value.

11-30-2007, 09:22 PM	#5 (permalink)
palanon No Significant Other Joined: Apr 2006 Bike: 2003 Bandit 1200S Location: Newmarket, NH Posts: 2,314	We have a lot of folk from Texas. It's slow on the weekend but, someone from there should help. Like Jim pointed out, at your age, on a race replica, is going to be expensive. I'd bet 2-3 times what a GS 500 would cost. __________________ " In the name of the Speedo, the Tach and the Holy Throttle, amen. "

11-30-2007, 09:48 PM	#7 (permalink)
mflueras Clunked into first gear Joined: Sep 2007 Bike: 05 M50 and 03 Lightning Location: Hot Springs AR Posts: 211	It depends on insurance company. Some will not insure you but with your profile I would not be surprised if some insurance companies will turn you down and refuse to insure you or quote ridiculous prices. You will definitely need to shop around. Dairyland seems to be a good place to start. Mine varied by over 3k from one insurance company to the next. __________________ ...a chicken...I'd slap a chicken...

11-30-2007, 08:43 PM	#3 (permalink)
VIKING Where Am I ? Joined: Nov 2007 Bike: honda CR500 Location: east Texas, texarkana Posts: 28	ok thanks I did I did not see that part when I registered I registered very fast and did not look at what I was doing

11-30-2007, 09:45 PM	#6 (permalink)
VIKING Where Am I ? Joined: Nov 2007 Bike: honda CR500 Location: east Texas, texarkana Posts: 28	I get payed $2500 every two weeks but most of that my girl friend takes for car payments and insurancs and what ever she wants like shoes and anything that she can think of that she wants so I don't have that much to spend on insurance what sport bike do you think I should get but not air cooled

11-30-2007, 10:01 PM	#8 (permalink)
VIKING Where Am I ? Joined: Nov 2007 Bike: honda CR500 Location: east Texas, texarkana Posts: 28	my girl friend is reading my post and is saying that I am not geting a sport bike she wants me to get a HD superglide so she can ride on the back what is the insuranc on a bike like this __________________ ride hard have fun but be safe also use riding gear lose leather not skin

11-30-2007, 11:08 PM	#9 (permalink)
mflueras Clunked into first gear Joined: Sep 2007 Bike: 05 M50 and 03 Lightning Location: Hot Springs AR Posts: 211	Significantly cheaper than it would be for a sports bike. I am not an insurance expert and no one here (unless they are insurance agents) can give you an accurate quote. Like I said you'd have to shop around. If you have insurance now on an automobile, you might get a discount. Reputable insurance companies nowadays use your credit score to base your premiums on so that counts, too. To give you a reference point, I'm thirty, single, have two vehicles insured and my home insured with Shelter. When I added my Buell, Shelter would not even cover such a bike as they considered it too risky. My agent (I've used him for many many years) used Dairyland and got me as low as 110 for six months for a bare bones liability insurance. Full coverage would have been 880 for six months. He got me a quote through someone else (can't remember the name) that was 3700 every six months!!! I have excellent credit and no accidents and major violations. __________________ ...a chicken...I'd slap a chicken...

11-30-2007, 11:40 PM	#10 (permalink)
VIKING Where Am I ? Joined: Nov 2007 Bike: honda CR500 Location: east Texas, texarkana Posts: 28	thanks for all the info you have given but one more thing should I tell them about my girl friend or should I say that I am single __________________ ride hard have fun but be safe also use riding gear lose leather not skin

12-01-2007, 12:13 AM	#11 (permalink)
kay Refrigerator Magnet Test Engineer Joined: Oct 2006 Bike: Kawasaki Zephyr750RS, Suzuki GSX-R600, Ducati 999S Location: Crappy Little Island!!! Posts: 3,650	I don't think you need to go into all that much detail unless you want to. You ARE officially single, aren't you? (meaning, not married) Even with a live-in gf, all your papers should state that you are single. BTW, be careful with that bike if you decide to go supersports. Oh one more thing. If you are thinking about having your gf as a passenger, supersports bikes are not made to have passengers even if you can, and it's not very comfy in the back. So if you have any plans of going on long rides together, a cruiser will do a better job. __________________ *Suzuki GSX-R600* Cherry blossom season is here! Yay!!!! Last edited by kay; 12-01-2007 at 12:15 AM.

12-01-2007, 09:50 AM	#12 (permalink)
mflueras Clunked into first gear Joined: Sep 2007 Bike: 05 M50 and 03 Lightning Location: Hot Springs AR Posts: 211	You're either single or married. No 'tween. Like kay said, don't get into too much detail; insurance agents are in business to make money which comes in the forms of premiums paid by you. Their jobs is to make you pay a higher premium. They will ask you questions related to that such as where the bike is stored, is it locked at night, does it have an alarm, how much riding experience you have had, any safety courses taken, how often you ride, etc. Keep it reasonable and don't offer too many details. If I were you I'd get the yellow pages out and get to calling. You can get a ballpark quote in 5 minutes or less on the phone. __________________ ...a chicken...I'd slap a chicken...

12-01-2007, 05:13 PM	#14 (permalink)
Uncle B Want's A New Title Joined: Jun 2006 Bike: 06 Suzuki Boulevard C50T Location: Gordon Texas Latitude: 32.54833 Longitude: -98.36889 Posts: 4,321	I ride a Suzuki C50T it cost me about $250.00 a year full coverage. GEICO.com \| GEICO Car Insurance. Get an auto insurance quote and save today. Free online motorcycle quotes as well. __________________ Ride Safe, Ride Long, & Have Fun Benjamin Franklin> They who would give up an essential liberty for temporary security, deserve neither liberty or security. http://www.gordontexas.net/ http://www.gordonvfd.com/

12-02-2007, 10:33 AM	#15 (permalink)
tricker Top Gear ! Full Throttle! Joined: May 2007 Bike: 2004 kawasaki zzr 600 Location: rochester, minnesota Posts: 5,221	At 23 years old, single, no accidents at my fault, no tickets, riding a zzr600. I pay a around 550 a year.

12-02-2007, 10:38 PM	#19 (permalink)
inspiron Muscle Biker Joined: Jul 2004 Bike: Blue Suzuki GSX 1400 (2003) Location: Canton Basel-Land, Switzerland (47.4493, 7.76536) Posts: 11,941	FWIW, I pay almost $1000 per year for insurance, and I'm 43 years old with a clean driving record. Then again, my insurance covers everything ... __________________ There is nothing worse than aggressive stupidity. - Johann Wolfgang von Goethe blog: gsx1400

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12-03-2007, 08:10 AM	#20 (permalink)
johns Seat Tester Joined: Aug 2007 Bike: ts125x Location: york Posts: 64	that why woman like money they go mad with it

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