« previous next »
Pages: [1] 2  All   Go Down

Author Topic: Motorsicle insurance  (Read 2219 times)

0 Members and 1 Guest are viewing this topic.

Offline cb750fbomb

  • is by no means a
  • Hot Shot
  • ***
  • Posts: 647
  • "No hope? See, that's what gives me guts!"
Motorsicle insurance
« on: May 13, 2009, 07:56:55 AM »
I just got insurance for $167 for the year at Geico. This seems pretty inexpensive to me. Anyone get it cheaper elsewhere?
Logged
'77 CB750F2
“The major difference between a thing that might go wrong and a thing that cannot possibly go wrong is that when a thing that cannot possibly go wrong goes wrong it usually turns out to be impossible to get at or repair.”

Offline Chester345

  • will someday be an...
  • Expert
  • ****
  • Posts: 929
  • 76 CB750F
Re: Motorsicle insurance
« Reply #1 on: May 13, 2009, 07:59:08 AM »

Did Geico start doing their own cycle policies, or is it still passed on to CycleGuard or something?
Logged

Offline Damfino

  • Sneaky, Evil, Magnificent Bastard of a
  • Really Old Timer ...
  • *******
  • Posts: 5,216
  • Look at the grouse! NYUK,NYUK,NYUK!
Re: Motorsicle insurance
« Reply #2 on: May 13, 2009, 08:05:25 AM »
I pay $75.00 per year through Progressive, liability only with 100/300 coverage.
Logged
Your Message Here!
You can still call me 'Schmitty'

1976 CB 750
2014 CB 1100DLX
2015 Harley Davidson Freewheeler



You know, a long time ago being crazy meant something. Nowadays everybody's crazy.
Charles Manson

Quote from: Frankenstuff on December 29, 2010, 08:11:48 PM
You've got to watch your back in the SSDB, this is where the clever guys get bored with bike talk and make poo jokes.
I like my women a little big. Natural. Now, they shave this and wax that. It's not right. I love natural women. Big women. This trend in women has to go. Bulomia, anorexia. That's just wrong. You know what will cure that? My special sticky buns. One lick of my sticky buns and your appetite will come right back. ~ RIP Mr. Borgnine  01/24/1917 - 07/08/2012  :'(

Offline Inigo Montoya

  • Master
  • *****
  • Posts: 1,855
Re: Motorsicle insurance
« Reply #3 on: May 13, 2009, 08:16:35 AM »
A lot depends on the state you are in. I think I do around 70 or so a year as well but I know other states cost more.
I think it would be best to compare to others in your state.
Logged

Offline cb750fbomb

  • is by no means a
  • Hot Shot
  • ***
  • Posts: 647
  • "No hope? See, that's what gives me guts!"
Re: Motorsicle insurance
« Reply #4 on: May 13, 2009, 08:21:59 AM »
Well damn! I am  new rider. Maybe that has something to do with it.
Logged
'77 CB750F2
“The major difference between a thing that might go wrong and a thing that cannot possibly go wrong is that when a thing that cannot possibly go wrong goes wrong it usually turns out to be impossible to get at or repair.”

Offline Damfino

  • Sneaky, Evil, Magnificent Bastard of a
  • Really Old Timer ...
  • *******
  • Posts: 5,216
  • Look at the grouse! NYUK,NYUK,NYUK!
Re: Motorsicle insurance
« Reply #5 on: May 13, 2009, 08:25:11 AM »
Quote from: cb750fbomb on May 13, 2009, 08:21:59 AM
Well damn! I am  new rider. Maybe that has something to do with it.


Thats got nothing to do with it. The insurance co's. don't know your level of riding skill....
Logged
Your Message Here!
You can still call me 'Schmitty'

1976 CB 750
2014 CB 1100DLX
2015 Harley Davidson Freewheeler



You know, a long time ago being crazy meant something. Nowadays everybody's crazy.
Charles Manson

Quote from: Frankenstuff on December 29, 2010, 08:11:48 PM
You've got to watch your back in the SSDB, this is where the clever guys get bored with bike talk and make poo jokes.
I like my women a little big. Natural. Now, they shave this and wax that. It's not right. I love natural women. Big women. This trend in women has to go. Bulomia, anorexia. That's just wrong. You know what will cure that? My special sticky buns. One lick of my sticky buns and your appetite will come right back. ~ RIP Mr. Borgnine  01/24/1917 - 07/08/2012  :'(

Offline cb750fbomb

  • is by no means a
  • Hot Shot
  • ***
  • Posts: 647
  • "No hope? See, that's what gives me guts!"
Re: Motorsicle insurance
« Reply #6 on: May 13, 2009, 08:34:11 AM »
It came out to $193.00. Allstate was $263.00. When I was younger I drove like a wacko and got in wrecks, so I'm sure that's the reason. I(t's been a few years since I've had a wreck, but they aren't spread out far enough yet to make my costs go down apparently. Oh well.
Logged
'77 CB750F2
“The major difference between a thing that might go wrong and a thing that cannot possibly go wrong is that when a thing that cannot possibly go wrong goes wrong it usually turns out to be impossible to get at or repair.”

Offline Chester345

  • will someday be an...
  • Expert
  • ****
  • Posts: 929
  • 76 CB750F
Re: Motorsicle insurance
« Reply #7 on: May 13, 2009, 08:34:44 AM »
It has more to do with cc's and the classification of your bike and your dmv record.

Cruiser, or rocket, or whatnot.
Logged

Offline cb750fbomb

  • is by no means a
  • Hot Shot
  • ***
  • Posts: 647
  • "No hope? See, that's what gives me guts!"
Re: Motorsicle insurance
« Reply #8 on: May 13, 2009, 08:37:55 AM »
I figured with my old bike it would be real cheap.
Logged
'77 CB750F2
“The major difference between a thing that might go wrong and a thing that cannot possibly go wrong is that when a thing that cannot possibly go wrong goes wrong it usually turns out to be impossible to get at or repair.”

Offline Gordon

  • Global Moderator
  • Really Old Timer ...
  • *****
  • Posts: 12,114
  • 750K1, 550K2
Re: Motorsicle insurance
« Reply #9 on: May 13, 2009, 08:38:53 AM »
I'm with Geico, too.  My policy is $127 per 6 months for three bikes.  
Logged

Offline Gordon

  • Global Moderator
  • Really Old Timer ...
  • *****
  • Posts: 12,114
  • 750K1, 550K2
Re: Motorsicle insurance
« Reply #10 on: May 13, 2009, 08:40:01 AM »
Quote from: cb750fbomb on May 13, 2009, 08:37:55 AM
I figured with my old bike it would be real cheap.

Just look at some of the other threads about insurance from guys in Canada or the UK.  What you're paying is really cheap. :)
Logged

Offline Inigo Montoya

  • Master
  • *****
  • Posts: 1,855
Re: Motorsicle insurance
« Reply #11 on: May 13, 2009, 10:01:01 AM »
I have found that with many ins companies, year does not matter. They go by the cc of the engine.
After all, why should I pay as much as a 750 rocket when I have half the power? But that is how they do it in some companies.
Logged

Offline DammitDan

  • Prodigal Son
  • Master
  • *****
  • Posts: 2,470
  • It lives!
Re: Motorsicle insurance
« Reply #12 on: May 13, 2009, 10:11:33 AM »
I pay about $175/yr through Progressive for 2 bikes, for one bike it would be around $90/yr

Geico always quoted more for motorcycle insurance than Progressive did for me.
Logged
CB750K4

Offline Chester345

  • will someday be an...
  • Expert
  • ****
  • Posts: 929
  • 76 CB750F
Re: Motorsicle insurance
« Reply #13 on: May 13, 2009, 12:34:28 PM »

Oh, and mine is $106/yr for the 76 750SS, and $98/yr for the 72 350twin

Same coverage as my auto, I think 100/300/100.
Logged

Offline Soos

  • Just a butcher with a carbide hatchet, definitely not a
  • Master
  • *****
  • Posts: 2,324
Re: Motorsicle insurance
« Reply #14 on: May 13, 2009, 01:11:44 PM »
Quote from: cb750fbomb on May 13, 2009, 07:56:55 AM
I just got insurance for $167 for the year at Geico. This seems pretty inexpensive to me. Anyone get it cheaper elsewhere?

I get $80 a year coverage through geico.
'79cb650 heavily modified with a "agreed" value of a tad over 2000 if it ever gets totaled out.
Sad my dyna2000 cost me over 1/5 of the value of my bike.


l8r
Logged
-=≡ Soos ≡=-
Just think to yourself what would Alowishus Devander Abercrombie do?
"Brix will be shat by your neighbors." - schwebel
(61mm)652cc 1979 cb650

Offline Gordon

  • Global Moderator
  • Really Old Timer ...
  • *****
  • Posts: 12,114
  • 750K1, 550K2
Re: Motorsicle insurance
« Reply #15 on: May 13, 2009, 01:20:52 PM »
I keep seeing "$$ per year", but insurance policies are typically for 6 months.  Are these really the yearly amounts or the 6 month policy amounts? 
Logged

Offline DammitDan

  • Prodigal Son
  • Master
  • *****
  • Posts: 2,470
  • It lives!
Re: Motorsicle insurance
« Reply #16 on: May 13, 2009, 01:22:41 PM »
Motorcycles are usually granted policies by the year.
Logged
CB750K4

Offline Soos

  • Just a butcher with a carbide hatchet, definitely not a
  • Master
  • *****
  • Posts: 2,324
Re: Motorsicle insurance
« Reply #17 on: May 13, 2009, 01:29:05 PM »
yup, $80 a year here.




A factor to consider, when they ask where you keep the bike... say something safe sounding.

1st year of insureance was 109.
2nd I got it dropped to $80 by telling them that the bike is rode 5miles to and from work, and that work has a camera secured parking lot.
At home I claim to store it in a locked garage every night.



hahaha.... yeah right.


Your state and city you live in will also affect your $$ for insurance.
Here in "happy valley" the motorcycle theft rate is lower than the national average.

You can also use addy's that have a lower crime rate to get a lower premium.
ie, your sister/brother/mom&dads addy to get a slightly lower price.

But I'm not telling you to... that would be un-ethical.... :)






l8r
Logged
-=≡ Soos ≡=-
Just think to yourself what would Alowishus Devander Abercrombie do?
"Brix will be shat by your neighbors." - schwebel
(61mm)652cc 1979 cb650

Offline Chester345

  • will someday be an...
  • Expert
  • ****
  • Posts: 929
  • 76 CB750F
Re: Motorsicle insurance
« Reply #18 on: May 13, 2009, 01:42:19 PM »

Mine are yearly, bundled with my auto, which is bundled with my homeowners.
Logged

Offline Gordon

  • Global Moderator
  • Really Old Timer ...
  • *****
  • Posts: 12,114
  • 750K1, 550K2
Re: Motorsicle insurance
« Reply #19 on: May 13, 2009, 02:37:19 PM »
Quote from: DammitDan on May 13, 2009, 01:22:41 PM
Motorcycles are usually granted policies by the year.

Not in my experience over the past 15 years and a few different companies.  Mine have always been 6 months, just like my cars. 
Logged

Offline Laminar

  • Retsam
  • Master
  • *****
  • Posts: 1,632
Re: Motorsicle insurance
« Reply #20 on: May 13, 2009, 02:46:13 PM »
Progressive: $75/year/bike for two bikes.
Logged

Offline Gordon

  • Global Moderator
  • Really Old Timer ...
  • *****
  • Posts: 12,114
  • 750K1, 550K2
Re: Motorsicle insurance
« Reply #21 on: May 13, 2009, 02:56:19 PM »
Looks like i'm gonna be looking into Progressive at the end of my current policy! ::)



edit:  Nevermind..  we have USAA for our cars now, so I'll probably go with them. 
Logged

Offline DammitDan

  • Prodigal Son
  • Master
  • *****
  • Posts: 2,470
  • It lives!
Re: Motorsicle insurance
« Reply #22 on: May 13, 2009, 04:21:49 PM »
Ya know I was thinking about switching to USAA for my motorcycle since I already have my car under them...  I wonder if it would be more expensive than Progressive though.
Logged
CB750K4

Offline DammitDan

  • Prodigal Son
  • Master
  • *****
  • Posts: 2,470
  • It lives!
Re: Motorsicle insurance
« Reply #23 on: May 13, 2009, 04:33:07 PM »
Hm...  Actually it seems that USAA goes through Progressive for motorcycle/ATV insurance.
Logged
CB750K4

Offline Gordon

  • Global Moderator
  • Really Old Timer ...
  • *****
  • Posts: 12,114
  • 750K1, 550K2
Re: Motorsicle insurance
« Reply #24 on: May 13, 2009, 06:46:06 PM »
Quote from: DammitDan on May 13, 2009, 04:33:07 PM
Hm...  Actually it seems that USAA goes through Progressive for motorcycle/ATV insurance.

At least you'd have it all on one bill, and it's still possible you'd get a better rate going through USAA. 
Logged
Pages: [1] 2  All   Go Up
« previous next »