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9/22/2017 12:11:25 AM
Posted: 9/29/2005 1:13:43 PM EDT
Anyone know any carriers that will insure a:

23year old Male
Zero accidents
Zero tickets

---

CHEAPEST rate Ive been quoted is 3600 A YEAR!... through state-farm...

Ive tried all the 'major' players... Geico, Progressive, Met Life, Bike-LinE, State Farm

What a fucking Joke

Bike is a '04 Honda VFR800
Link Posted: 9/29/2005 1:35:07 PM EDT
for liability only or collision coverage?

All policies that have collision seem to be very high regardless of driving record.

Progressive can have some good rates for bikes, but they are strongly anti-gun.
Link Posted: 9/29/2005 2:51:02 PM EDT
[Last Edit: 9/29/2005 3:09:03 PM EDT by FlyByWire]

Originally Posted By CaptainAhab:
for liability only or collision coverage?

All policies that have collision seem to be very high regardless of driving record.

Progressive can have some good rates for bikes, but they are strongly anti-gun.




...What the hell?? This is a quote with ONLY liability....
---------------
Your 12 month quote is $362.00



Start your policy today for just $54.30!





Your Quote Number: #830926883
Premium: $362.00 Policy Period: 12 month

Policy Information



Bodily Injury and Property Damage $15,000 person/$30,000 accident/$10,000 property damage $362.00
Uninsured Motorists Coverage No coverage $0.00
Underinsured Motorists Coverage No coverage $0.00
Medical Payments Coverage No coverage $0.00
Transport Trailer Coverage $0.00

2004 HONDA VFR800A

Comprehensive Coverage No coverage $0.00
Collision Coverage No coverage $0.00
Roadside Assistance Coverage No coverage $0.00
Custom Parts and Equipment Coverage $0.00

----------------------------

You're right....

My medical insurance through work should cover my medical bills if when I go down, no?


Edit:
Bah, the financing companies require comp/collision



Link Posted: 9/29/2005 3:15:30 PM EDT
Try Markel. They have the best rates that I've found.
Link Posted: 9/29/2005 3:29:59 PM EDT

Originally Posted By guitslo:
Try Markel. They have the best rates that I've found.



Tried them, they're a joke like the rest of them... Im pretty much screwed, since I wont pay cash for the bike... the finance company will require full coverege
Link Posted: 9/29/2005 3:31:58 PM EDT
[Last Edit: 9/29/2005 3:39:31 PM EDT by wildearp]
Luckily I am 40, however, State Farm is the cheapest. Lots of theft in AZ.

You may do better if you are insuring a car too.

Progressive was double my State Farm Quote.
Link Posted: 9/29/2005 6:55:10 PM EDT
1. Is there anyone in your immediate family, who may have access to the bike, who has a crazy driving record?

2. Ask the same insurance companies you've called earlier for a quote on a smaller displacement bike -like a Suzuki SV650 or Kawasaki EX500. If the rates are significantly lower then it's not you, it's the bike you're trying to cover.

Some models fall under the "sportbike" label by insurance companies and the rates automatically jump in price. Add to that the fact that you're under 30 years old plus the bike being 781cc and it gets downright prohibitive.
Link Posted: 9/30/2005 5:14:08 AM EDT
How much biking experience do you have? If this is your first bike, they will ream you, because all they will see is "800cc first bike". They probably expect you to total it in a couple of months.
Link Posted: 9/30/2005 5:44:58 AM EDT
When I got my 929RR two years ago I went with Progressive for about $800/year full coverage. After the first year was up they sent me a renewal policy for only ........$225.00/year!!!. I don't know why it dropped so much but I didn't ask either.
Link Posted: 9/30/2005 8:27:51 AM EDT
Take the MSF safety course, you get a 10-20% discount.

I'm 26, have American Family, 1 car, 1 bike, house, maxed limits 100/300/100 and pay

$297/year

Full coverage, $500 deductable, and it's an 02 SV650S.
Link Posted: 10/1/2005 8:28:24 AM EDT
Flybywire,
Definitely the bike I went from $300 or so a year for cruiser to $1100 a year for my Katana for the exact same policy. Those plactics the bike is wrapped aren't cheap to replace.
Link Posted: 10/1/2005 10:14:50 AM EDT
Dang thats 'spensive! When I bought my 1200 sporty a couple years ago, I was 22 and went with progressive, 100/300 with comp and collision... 12 mo. policy was like $560. After a year of riding and getting comfortable, I dropped it to 20/40 and kept the full coverage, but the policy dropped to $220 a year. The rest of my stuff (truck and house) are with state farm.

If you're accident free, then it's gotta be somebody in your immediate family that's got you screwed.
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