cmy12rgo
Expert Class
Posts: 160
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posted January 22, 2002 05:50 PM
Insurance!!!!!!!!!!!
hello guys and gals....i need help from all of you out there...i just got my renewel for the insurance on my 2000
zx-12...i was paying $685.98 a year for full coverage...
well i guess that allstate(here in waterbury, ct)no longer wants to cover motorcycles....if i do want to continue with them i will have to pay $3110.87 a year for full coverage....WHAT THE F$%K???????needless to say i will not be renewing my policy with them...meantime i called progressive and they gave me a quote of $2679.65 a year..
if any of you can give me some names of insurance companies out there i would really appreciate it...  cant afford to drive with no insurance(married,wife,two kids and a house to think of)i dont care where the company is located as long as they can cover me....
    
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zx12richard
Pro
The Green Monster..
Posts: 1133
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posted January 22, 2002 06:15 PM
State farm I pay 318 a year full coverage.................
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Y2KZX12R
Needs a job
CompetitionCNC.com
Posts: 3762
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posted January 22, 2002 06:32 PM
Try the place on thomaston ave. near doc's.
I think its MC Ins.
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Y2KZX12R
CompetitionCNC.com
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speedcraver
Expert Class
Posts: 183
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posted January 23, 2002 06:37 AM
I'll say it again.
State Farm, State Farm, State Farm. I was paying $420.00 per year for full coverage on my 12R. I just got my renewal in the mail and it has dropped to $320.00 per year!!!!! Damn good suprise!
Alan
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I keep all of my guns loaded, to many people die from unloaded guns.
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sling shot
Novice Class
Posts: 43
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posted January 23, 2002 06:57 AM
 Edited By: sling shot on 24 Jan 2002 10:04
State Farm always wins out as the lowest on past posts thru the years. Caution though ... they didn't include PIP on my last years coverage and didn't explicitly advise me. When I went to make a claim on my medical, I noticed it didn't appear on my most recent policy. It didn't affect me because I claimed the medical expenses on my work Insurance that had a $75 max on hospital versus the former 80% PIP coverage on hospitalization. The down side is if you have a rider injured, they come after you in litigation!
update: I was quoted $472/yr today no PIP and $250 deductible in Brevard County Florida
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grabbing life by the throat and hanging on for all the thrills I can get
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Scooter
Zone Head
Posts: 899
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posted January 23, 2002 01:14 PM
Cycle Direct beat State Farm for me.FWIW.
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mattie_k
Zone Head
hill-billy!
Posts: 545
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posted January 23, 2002 03:26 PM
I went with State Farm this year and paid half of what I was paying before. The only problem is the amount of paper that they send you. Tree Killers!
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God is an imaginary friend for grown-ups.
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TripodMeat
Expert Class
Posts: 125
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posted January 23, 2002 04:34 PM
Cant pass a chance to BAG on Progressive
I went with Country Insurance ( Country Financial )
I am saving about 65% now compared to Progressive......
So far, The new company does not distinguish between
Sportbikes, or Cruisers, or whatever. Some out there do!!
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1reddawg12r
Novice Class
Posts: 49
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posted January 24, 2002 05:57 PM
insurance
hey sling shot,i havent seen you on the board in a while,who is your state farm agent? are they in cocoa or merritt island,hell i was paying almost $2500 a year before i wrecked my 12 thru dairyland.that is the 2nd bike they wrote off on me in the last 8 years, i dont think they will insure me anymore..oh well you win some you lose some...we need to hook up some sunday and go for a little blast!!!!reddawg
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Before i die i want to hear the scream of a butterfly
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Dino
Pro
Posts: 1422
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posted January 24, 2002 09:09 PM
I PAID 262.00 A YEAR FOR NINE YEARS on my zx11 w/ progressive. Bought the 12 and they wanted 1,140.00 ayear!!! I asked them "why the big jump?" They reply "the zx12 is a "high performance" bike. I say "you mean the 11 wasn't a high performance bike????" They say "nope." The voice inside my head says "fuck you w/ a red hot poker,PROGRESSIVE!!!!!".......I'm now w/ state farm.....267.00 a year full coverage. Progressive wanted 287.00 for just liability!!!....assholes
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sling shot
Novice Class
Posts: 43
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posted January 25, 2002 06:33 AM
quote:
who is your state farm agent?
Robin Fisher in Titusville...ask for Amy or Traci 268-2345; I just was quoted yesterday by Traci on Dagger's bike, and I totaled my 12 last May but it was settled as the other driver's fault.
As far as riding ... I'm game if you don't mind being degraded by the company of a Harley or Vulcan for the time being 
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grabbing life by the throat and hanging on for all the thrills I can get
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Kawi12r
Parking Attendant
Posts: 24
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posted January 26, 2002 02:15 PM
only $1200. a year?
Progressive wanted $4,500.00 a year for my 12.
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Kawi12r
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cmy12rgo
Expert Class
Posts: 160
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posted January 26, 2002 02:33 PM
thanks for the feedback guys....i took y2ks advice and went with MC insurance.....now im paying 437.00 for full coverage....
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rick
Parking Attendant
Posts: 8
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posted January 27, 2002 07:37 PM
insurance
Insurance companies usually base their rates on their loss experience and Progressive has written a lot of policies in our area. An example of their problem is that we have sold four GSXR1000s in the past few months and all were totaled by experienced riders. Of the two ZX12s we recently sold only one is still on the road. The other hit a car head on. Somebody has to pay the bill. This has always been a problem and I carry only liability which is very cheap. The thinking is that if I total the bike and can walk away I am way ahead of the game. It makes you become a better rider , if you break it you have to pay for it.
Many banks will waive the full coverage requirement if you ask.
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