JimBob
Parking Attendant
Posts: 22
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posted April 20, 2006 06:45 PM
Insurance
Hate to bring up such a bummer topic but reality's a bitch. To those who have received quotes for insurance (especially you guys from Texas), how much is it gonna cost, what's your age, and who's your agent???
  
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FasterThanStink
Pro
Posts: 1218
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posted April 20, 2006 06:48 PM
Geico $830.00 a year full coverage. Clean record.
Just keep calling around. The more places you call the better rates you will find.
____________
Speed has never killed anyone,
suddenly becoming stationary...
That's what gets you.
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girlee
Expert Class
Wile E. 1 - SV650S 2002
Posts: 325
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posted April 20, 2006 06:54 PM
 Edited By: girlee on 20 Apr 2006 20:09
Arizona Reams you
Age 47 Clean record 35 year exp
Full coverage:
Geico 1300
Progressive 2,000
State Farm 6,000
Pacific 4,000
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FasterThanStink
Pro
Posts: 1218
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posted April 20, 2006 06:59 PM
Hey Progressive quoted me $4,300 a year. The Geico quote is odd. I got $830. a year from them. Have you tried Allstate?
____________
Speed has never killed anyone,
suddenly becoming stationary...
That's what gets you.
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girlee
Expert Class
Wile E. 1 - SV650S 2002
Posts: 325
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posted April 20, 2006 07:08 PM
Edited By: girlee on 20 Apr 2006 20:10
No I have found them to be high on all auto
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JimBob
Parking Attendant
Posts: 22
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posted April 21, 2006 02:15 AM
quote:
Arizona Reams you
Age 47 Clean record 35 year exp
Full coverage:
Geico 1300
Progressive 2,000
State Farm 6,000
Pacific 4,000
An Understatement I'd say!
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JimBob
Parking Attendant
Posts: 22
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posted April 21, 2006 02:24 AM
quote:
Hey Progressive quoted me $4,300 a year.
You know, if an outfit didn't want my business I'd just as soon they say so rather than quoting ridiculous prices like $4300/year. Several years ago State Farm quoted me $5,000/yr to insure a VFR. I evenutally went with Progressive because they gave me the cheapest quote @ $700 or $800. When pressed the State Farm agent admited they really didn't like insuring motorcycles. So why didn't they just say so!... ? Is there some law concerning this?
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FasterThanStink
Pro
Posts: 1218
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posted April 21, 2006 02:34 AM
quote:
quote:
Hey Progressive quoted me $4,300 a year.
You know, if an outfit didn't want my business I'd just as soon they say so rather than quoting ridiculous prices like $4300/year. Several years ago State Farm quoted me $5,000/yr to insure a VFR. I evenutally went with Progressive because they gave me the cheapest quote @ $700 or $800. When pressed the State Farm agent admited they really didn't like insuring motorcycles. So why didn't they just say so!... ? Is there some law concerning this?
I agree. They always seem to do this. About 10 years ago I got a quote on a Guzzi for $2300 a year. I ended up paying $120 a year through Dairyland Insurance. I asked the Progressive agent if the quote was a mistake. He said probably. I asked if they could correct it. His responce? NO!
____________
Speed has never killed anyone,
suddenly becoming stationary...
That's what gets you.
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Rac4It
Needs a job
Bergie
Posts: 3009
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posted April 21, 2006 04:27 AM
All agents are independent. I had two different Allstate agents quote the same bike and coverage, one wanted over $2,000 and the other only $600 for the EXACT SAME POLICY.
Trust me, it's the agent, not the carrier, that's trying to rip you off.
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bishopzx12
Zone Head
Posts: 517
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posted April 21, 2006 05:49 AM
He in Sc i think my quote was 800 or something like 796 a year. I remebr it ws only like 20 bone more than my 12 a year
____________
1996 ZX7R
1999 ZX9R
1999 ZX11
2000 ZX12R 1270
2002 GSXR 1000 "I was Drunk"
2003 ZX12R 1375
2006 ZX14
2012 ZX14R
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psycho1122
Pro
Posts: 1608
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posted April 21, 2006 06:01 AM
Even when my 12 was new, I never paid more than $320 every 6 month's for Full Coverage with State Farm.
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You say PSYCHO like it's a BAD thing!!
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TN12
Parking Attendant
Posts: 15
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posted April 21, 2006 06:03 AM
Edited By: TN12 on 21 Apr 2006 07:06
State Farm $531 Yr
50 years old 1 ticket
2004 Concours $488
2000 ZX12R $496
1996 Voyager Liability $102
1998 KLR650 Liability $118
THEY LIKE ME!
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TeamSpeed
Expert Class
Posts: 449
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posted May 08, 2006 07:32 PM
Edited By: TeamSpeed on 10 May 2006 06:03
Just paid for the first year coverage at State Farm for the 14, had to pay for the entire year up front, which is different than it was a few years ago.
$340 for 12 months w/$250 ded.
Age 36, Midwest, multiple vehicle, house, and life policy, probably what keeps the prices down for me, but in any case, I was very surprised! I am sure the policy will change the 2nd year, I should pay for the 2nd year up front as well at this rate.
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zermatt
Pro
Posts: 1931
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posted May 08, 2006 07:36 PM
$290/6mos w/$1000 ded collision, $0 ded comp. Texas, clean record, 36 yo.
I go with high deductable in collision 'cause I'm never gonna file a claim unless I think it's totalled... why pay the extra? If you file a claim, they'll just raise the rates to get their money back.
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'06 Passion Red ZX-14 | Black D&D Slip-ons | Speedo Healer | V1 | zumo 550 | Heli-Risers | PhantomX
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ZREXER
Expert Class
Posts: 492
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posted May 08, 2006 07:58 PM
quote:
$290/6mos w/$1000 ded collision, $0 ded comp. Texas, clean record, 36 yo.
I go with high deductable in collision 'cause I'm never gonna file a claim unless I think it's totalled... why pay the extra? If you file a claim, they'll just raise the rates to get their money back.
+1 on the higher deductables. My yearly cost was $1144.00 for full coverage (Canada). I called a lot of different agents, but the cost spread was less than $150 when all the options were the same. The company that carries my cars (3) and house does not write insurance on sport bikes..............period!
Checked with another carrier that would insure my bike...........full coverage for $750, but they advised they would need me to move my car policies to them first, they were not even close on my cars or house completely negating the savings on the '14!
One carrier in Canada gives a decent break if you have an alarm system installed - (Primmum). Scorpio does not have their ZX 14 specific kit out yet and I was a little concerned letting someone install a generic system on the '14 with the Canbus electrics..........seemed like potential problems to me. Don't really neeed an alarm as my garage is like Fort Knox with a monitored alarm that is hooked into the house system. I drive a company vehicle during the day, so my bike is rarely out of my sight.
BTW..............46, with 1 ticket in the last 4 years.
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hellonwheels
Parking Attendant
Posts: 1
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posted May 08, 2006 08:56 PM
Insurance
paying 124 a year on old hurricane .. called today cheapest insurance i could get was through gmac insurance for 1083.88 a year 500 deductable ... im 37 in sacramento CA and clean record 21 years riding
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swiftkart
Expert Class
Posts: 349
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posted May 09, 2006 07:26 PM
State farm $435 a year, 250 deductable, 50/100/50, 43 yrs old clean record, in wichita kansas.
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2006 ZX14, Brock CT-Meg, PC, ignition module, E85, 214 lbs suited, 8.96@152.32 1.46 60'
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TJ
Zone Head
Posts: 604
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posted May 09, 2006 07:33 PM
State Farm, $840/yr, $500 deductible, 30 yrs old, Suisun CA (just west of Sacramento)
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fastestbusaaround
Needs a life
I eat Fish...
Posts: 7889
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posted May 10, 2006 03:24 AM
Primmum, Quebec, $506.00/yr with $500.00 ded, full coverage
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FYYFF!!!
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Joe Cool
Novice Class
Posts: 54
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posted May 10, 2006 06:45 PM
State Farm $275, 250 deductible. 100/300/100 34 yrs old, clean record Kansas
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Joe Cool
Novice Class
Posts: 54
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posted May 10, 2006 06:50 PM
Per year / no PIP
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MAXIMUS
Needs a job
Posts: 4156
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posted May 11, 2006 10:28 AM
Dam i guess im lucky im getting old, $280.00 every six months, full coverage $500.00 deductables all around and im 35 years old, but I also have a few of the riders courses that they give you 20% off on, those course are worth the money, I took the riders course and the advanced riders course. My insurance company is state farm and i dont even have car insurance with them, gieco and progressive wanted like $2000.00. My bike is a 2003 zx12r. for all you younger guys , all i have to say is , paying that much SUCKS ASS!!!!
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TJ
Zone Head
Posts: 604
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posted May 11, 2006 12:59 PM
Its only money and you can't take it with you 
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shawnski
Pro
Posts: 1809
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posted May 11, 2006 01:11 PM
Edited By: shawnski on 11 May 2006 14:12
mine is with nationwide. full coverage 500 ded. 120 a month. i am 49 years old no traffic violation for last 4 years. i live in texas
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mugsymd
Expert Class
Posts: 169
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posted June 17, 2006 05:49 PM
Curious what people are paying currently.
I have USAA - but they don't insure motorcycles anymore - they "shipped" me to Progressive and was told 2200 full coverage - Hey, I'm 43, license to drive motorcycles now for over 20 years, perfect record, etc.... Did some shopping around and got GMAC to cover me for 642 per yer (full coverage, with 250 deductible).
Anyone beat that on ZX-14 - I haven't checked GEICO yet - willing to try.
____________
1987 Red/White Ninja 750
1988 K1
1991 FatBoy
2004 VROD
2005 K1200S
2006 ZX-14 - Red
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