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BIKELAND > FORUMS > ZX-14.com > Thread: 2012 zx14 r insurance NEW TOPIC NEW POLL POST REPLY
rsol


Parking Attendant
Posts: 4
posted June 26, 2012 04:55 PM        
2012 zx14 r insurance

Hello, I just got a number from my insurance company on my new 14r. $2200 per year! liberty mutual. I tried Progressive they wanted $2,900. I am 54 no claims, excellent credit. and own 4 other bikes right now. 2012 gold wing, 2008 bking, 2012 gsxr600, 2012 street glide. (Paying $2,300 total for the four bikes.) Last year had 2011 zx10r, 2011 1000rr and was paying $40.00 per month per bike. Something has to give or I will be selling my new green 14r with 150 miles on her! this is crazy any suggestions??? thanks

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BlackMagic14


Needs a job
Posts: 2057
posted June 26, 2012 05:33 PM        
I wonder what the difference is between an old zx14 and the a 12 with them same person and same insurance company
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Seno


Pro
BANNED FOR LIFE!
Posts: 1229
posted June 26, 2012 05:40 PM        
Check state farm, I am in NY and pay $560 a year
____________
2012 Black 14R -> Completely done!

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shawnski


Pro
Posts: 1809
posted June 26, 2012 05:41 PM        
quote:
Hello, I just got a number from my insurance company on my new 14r. $2200 per year! liberty mutual. I tried Progressive they wanted $2,900. I am 54 no claims, excellent credit. and own 4 other bikes right now. 2012 gold wing, 2008 bking, 2012 gsxr600, 2012 street glide. (Paying $2,300 total for the four bikes.) Last year had 2011 zx10r, 2011 1000rr and was paying $40.00 per month per bike. Something has to give or I will be selling my new green 14r with 150 miles on her! this is crazy any suggestions??? thanks



maybe one too many bikes!! did you ask them why is it so high?? try geico or statefarm..
____________



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rsol


Parking Attendant
Posts: 4
posted June 26, 2012 05:57 PM        
Yea nothing to do with how many bikes. I have been doing this for many years. The only thing i can say is maybe the publicity of the bike this year. I also had a 09 vmax i just traded on this new 14 and it was low also like the others. It seems they were all in line of approx. $37-$42 per month full coverage, with 250comp./250coll. deductables, 100, 300, 50
So i guess i will be on the phone tomorrow

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Too_smooth


Parking Attendant
Posts: 5
posted June 26, 2012 06:05 PM        
Statefarm with a 1k deductible. My 2010 is 44.73 a month and a 2012 would be 66.29
____________
2004 R1 and 2010 14 SE

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rsol


Parking Attendant
Posts: 4
posted June 26, 2012 06:07 PM        
r u from PA?
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hagrid


Expert Class
Posts: 373
posted June 26, 2012 06:16 PM        
quote:
r u from PA?


I am and I use Rider Insurance. Full coverage with $500 deductible costs me $860 for 12 months.
I had Progressive for 10 years... never made a claim... always paid ahead of time. That red headed c*nt wanted $2400/year for my Ninjee.

F them. Stop paying for ad time maybe the premiums will come down.
____________
blue 14R

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rsol


Parking Attendant
Posts: 4
posted June 26, 2012 06:31 PM        
I will check them out tomorrow thanks !
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Bently


Needs a life
2012 14r In Blue and no Mods!
Posts: 5428
posted June 26, 2012 07:06 PM        
State farm and less then 240.00 a year full coverage.
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smokinstorm


Expert Class
Old Drag Racer
Posts: 500
posted June 26, 2012 08:16 PM        
quote:
State farm and less then 240.00 a year full coverage.


This has got to be a misprint, right????
____________
2009 Monster Edition ZX14
It's all stock I swear. Well...almost.
2005 Turbo Busa
2001 GSXR 1000
Looking for a 1985 GS1150E

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toledoUPSguy


Expert Class
An old guy with a new toy
Posts: 308
posted June 27, 2012 02:43 AM        
just insured mine with geico for $430
____________
The man on top of the mountain didn't fall there.
2012 ZX14r in stealth ninja black
2010 Husaberg FX450

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rod442


Novice Class
Posts: 33
posted June 27, 2012 03:14 AM        Edited By: rod442 on 27 Jun 2012 10:16
State farm for me as well. Im in MI, which Ive read has some of the highest rates around, due to our no fault system. maybe not as high as big big cities like NY or LA, but still high.

100/300 prop liability, extra coverage for uninsured motorists, 200 comp, 500 collision deductables, EXTRA maximum 50k avail medical coverage (I have poor health ins), and its right at 800/year. 40 yrs old, clean record. I do have multiple vehicles with them, they require a car to qualify for the cheapest rates.

progressive and geico quoted me OVER 2K a year for the same coverages W/O the 50k extra medical. IMO, they just dont want to insure certain bikes, so they price them high enough that no one in their right mind will pay it.

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Bently


Needs a life
2012 14r In Blue and no Mods!
Posts: 5428
posted June 27, 2012 05:14 AM        
quote:
quote:
State farm and less then 240.00 a year full coverage.


This has got to be a misprint, right????


yup it was I just looked and the 14r is 252.00 my other bike is less then 240. sorry

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Phil


Expert Class
Posts: 420
posted June 27, 2012 08:50 AM        
BI/PD only with Progressive, $75 per year.
____________
"Look at Dad, trying to look young again."

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Superman T


Pro
Posts: 1831
posted June 28, 2012 09:42 AM        
All points mentioned above are valid but what can be a huge driving force when obtaining good insurance rates are if you buy the bike outright or finance. If you finance, you MUST have full coverage and keep a $250 deductible. If you buy outright, you can still get full coverage but increase your deductable(say maybe $1000) and/or carry different variance of coverages.
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Superman T


Pro
Posts: 1831
posted June 28, 2012 09:44 AM        
When financing a vehicle, you'll pay the max in insurance rates.
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Bently


Needs a life
2012 14r In Blue and no Mods!
Posts: 5428
posted June 28, 2012 11:38 AM        
quote:
When financing a vehicle, you'll pay the max in insurance rates.


Not true here, when getting a loan for a bike, you can have what ever deductable you want.

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rod442


Novice Class
Posts: 33
posted June 29, 2012 02:09 AM        Edited By: rod442 on 29 Jun 2012 09:28
quote:
quote:
When financing a vehicle, you'll pay the max in insurance rates.


Not true here, when getting a loan for a bike, you can have what ever deductable you want.


bently, In my experience, this may only be partially true. I know my credit union would only allow a 1000 MAX ded on collision, cant remember comp, but it may have been 500. JUST READ, some banks and credit unions only allow 500 for deductables.

Granted, I haven't heard of an insurance co offering more than a 1K ded on collision, but thats what they stipulated for me, on my last car loan. I'd imagine bikes would be the same.

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LeoVinceZX14


Expert Class
Thankfully...its paid for...
Posts: 384
posted June 29, 2012 02:29 AM        
I know the feeling bro....

rsol:

First of all +1 to the preceding comments. That said, I think a number for factors influence the policy quote including credit scores, # of other vehicles insured/ or not, the state you live in, etc. I am in Florida, paying cash for my 14R (August) and have had quotes ranging from $1600/year up over $3K. The footnote here is "uninsured motorist" coverage here is very expensive since we historically have alot of vehicular insurance fraud.

For me full coverage is a must since I am forking over cash for the bike and we have tons of idiot drivers so I am not going to be exposed to an uninsured knucklehead and then, potentially be out $15K or facing a chunk of out of pocket $ if it was severely damaged, never mind stolen. Lastly, my quotes are 14R only policy with clean driving record and I am 49.
____________
'12 14R SE
PC V
Custom map
BMC filter
Leo Vince 4-2-1 w/ carbon can
Sato frame sliders
Supersprox 41T
Cox radiator guard

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cls


Expert Class
Posts: 410
posted June 29, 2012 09:17 AM        Edited By: cls on 29 Jun 2012 16:18
Full coverage through State Farm, also: $800/year. But I live in Atlanta, GA and I've had a few claims the last few years. I can't complain. They've been great.
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runr2940


Parking Attendant
clown question, bro
Posts: 26
posted June 29, 2012 11:51 AM        
I financed, State farm is $127/month (500ded), I have 2 accidents and 2 claims on my record (not very good). $106/month for 1000ded and $150 for 250ded. In NM, other companies (Progressive/geico) wanted over $3k. I have everything with SF so I'm happy for now. Next year I have an accident and claim fall off so I'll re-evaluate then...
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