How Much Insurance Usually?

rangerman2003 · 06-08-2008, 02:57 PM

I am 22 y/o male with no speeding tickets nor any wrecks that are claimed under my insurance. What is the usual rate for insurance, I looked at like Geico and Progressive Quote online and they are saying annual is 1600.00??? why so much what do you all pay

BuiltGypsy · 06-08-2008, 02:59 PM

You might want to look at Dairyland insurance.

Liver Shot · 06-08-2008, 03:07 PM

Damn, that's ridiculous. I'm 22/Male and I live in a "high-risk" area. Like you, no tickets. I don't think I put collision, but I have comprehensive ($500 deductible or something). 2002 250R, $400 per year. Maybe it's because you are getting a quote for a brand new bike? I don't know, though, the MSRP is only $3500 for an 08 250R. Seems ridiculous.

Cop J · 06-08-2008, 03:11 PM

My bike is 600cc and I only pay $202 for insurance and I'm 18.

BlackstarPowers · 06-08-2008, 04:03 PM

I pay $800 a year for full coverage and I'm 34 with a perfect driving record.I need to check State Farm,I hear they are cheap on bikes.

dynamite196 · 06-09-2008, 12:54 PM

19 years old clean record they quoted me $540 for an 07 r6 liability only, i think it was like an extra $200 to get comp with a $1000 deductible. Not bad but i had my dad get a quote for himself and it came out to like $290 liability only. Keep in mind that this is for 100/300 insurance, not the bare minimum 20/40 crap (might be different in your state, i'm talking about CT though). BTW, 50/100 is probably the way to go for insurance, I wouldn't get anything less if you want to be decently covered.

ustf4dan · 06-09-2008, 05:51 PM

I quoted an 08 250r through Geico and it was $720 for Full coverage a year.

tarosean · 06-09-2008, 06:04 PM

Quote:

Originally Posted by rangerman2003

I am 22 y/o male with no speeding tickets nor any wrecks that are claimed under my insurance. What is the usual rate for insurance, I looked at like Geico and Progressive Quote online and they are saying annual is 1600.00??? why so much what do you all pay

What type of bike makes a HUGE difference..

Skoalbasher · 06-09-2008, 06:11 PM

Geico sucks for bike insurance prices. Progressive for a EX500 is $360 a year.

Skoalbasher · 06-09-2008, 06:14 PM

Quote:

Originally Posted by dynamite196

19 years old clean record they quoted me $540 for an 07 r6 liability only, i think it was like an extra $200 to get comp with a $1000 deductible. Not bad but i had my dad get a quote for himself and it came out to like $290 liability only. Keep in mind that this is for 100/300 insurance, not the bare minimum 20/40 crap (might be different in your state, i'm talking about CT though). BTW, 50/100 is probably the way to go for insurance, I wouldn't get anything less if you want to be decently covered.

Most people you finance from will not let you have a $1000 deductable, they want you to be able to fix the bike.

aboh6leenz · 06-09-2008, 10:08 PM

Quoted from State Farm. 21 year old male nothing on my record. This is full coverage (we didn't go over it but I asked for full coverage).

They go by cc's:
500-600cc: $411 year about $35/month
601-700cc: $577 year about $48/month

Kind of gay that insurance is cheaper for a 600ss or rr than a sv650 or ninja 650 but whatever.

Seifer21 · 06-11-2008, 03:02 AM

Quote:

Originally Posted by Cop J

My bike is 600cc and I only pay $202 for insurance and I'm 18.

yeah but our bikes are listed as sport touring. i pay 260 a year and i got shitloads of points on my record

kunosoura · 06-11-2008, 10:42 AM

i would get an agent if i were you. they can quickly search policies through multiple companies. saves you a lot of leg work. i love mine. fact is, with bikes, you can get quotes for the same coverage that can differ by thousands of dollars.

i always go for high limits and high deductibles. insurance is there to fix the catastrophic. besides, why pay for a 500 dollar deduct. if you aren't even going to claim $500 in damage due to premiums shooting up?