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Old 02-02-2010, 01:07 PM   #41
nactx86
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State Farm FTW

Full coverage on my 06 gsxr 600 with fire/wind/theft was about $60/month
-$1000 deduct

I was 22 with lots of speeding tickets, but always did DD or deffered..

I was told that SF doesnt look at the type of bike (cruiser, scooter, crotch rocket) as close as other companies, just the size of the engine which is why they are cheaper for sport bikes
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Old 02-02-2010, 01:11 PM   #42
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progressive works for me
R6 liability $100/year
R6 FC $800/year
It's around $75/mo but I've an OK record and a lot of years....
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Old 02-02-2010, 01:15 PM   #43
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My z1000 full coverage with 250 deductibles is $40 a month with State Farm. I love the naked sport bikes much cheaper insurance.
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Old 02-02-2010, 01:19 PM   #44
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$4300/year for comprehensive and collision ($1000 deductible) with Progressive

FML
lol

You should have researched before you purchased. It was the same for me when I was 21 and bought a brand new 03 750. For the cost to ensure, you could puchase a new bike every other year. I just took the risk(liability only) Wrecked pretty good after three years, spend $1000 fixed it to brand new and came out ahead.
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Old 02-02-2010, 01:41 PM   #45
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1) if you do not have theft coverage... DONT ADVERTISE IT ON A PUBLIC FORUM!


2) my liability for the katana was 52/month. The 900rr full coverage is 540/yr(w kat) and the 08 250r will be 480/yr(w kat.)
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Old 02-02-2010, 01:44 PM   #46
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Quote:
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1) if you do not have theft coverage... DONT ADVERTISE IT ON A PUBLIC FORUM!

i doubt thieves care whether you have ins or not. but they do care that he has an '09 gsxr750

BTW OP, passing MSF can get you a discount from ins. then there's that whole have to take it to get your M license thing.
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Old 02-02-2010, 01:51 PM   #47
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Quote:
Originally Posted by RACER X View Post
i doubt thieves care whether you have ins or not. but they do care that he has an '09 gsxr750

BTW OP, passing MSF can get you a discount from ins. then there's that whole have to take it to get your M license thing.
they also care that I have lojack, a glock, and someone's always home. I think I'm going to talk to my local state farm representive and see how much they want for full coverage before/after I take my MSF class. If it's too much, I'll see what they want for liability and theft, and maybe move my car with them too.

And I have my M license.
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Old 02-02-2010, 01:54 PM   #48
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That is insane. I pay 654 for 12mos full coverage. State Farm is not bad. MSF lowers it alot trust me
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Old 02-02-2010, 01:56 PM   #49
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Hrrm...
Millitary+Married+Flipping old (33)+cruiser+Home owner+good credit+no tickets+$500 deductable+MSF = $290/year when I lived in Houston for FC. Then when I moved back to Galveston I got a check for $89 because theft rate went down. Insured through USAA discount at Progressive.
Sorry.
If you go for liability, ride carefully and set a minimum rate for insurance and put that into a savings acount. At $4,300/year you are expected to total that bike once every 3 years. Definately have theft insurance; this is Texas.
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Old 02-02-2010, 02:00 PM   #50
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For thieves it is a plus, including whether you are in a small or large group of normal bikers. They dont want reprocussions nor anyone searching after them.


If you inspect the NW group and the international group in midtown they all target single bikers wo multiple bikes/riders in a residence and nearly all w liability only.
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Old 02-02-2010, 02:03 PM   #51
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Quote:
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and nearly all w liability only.
or is it like this thread, that most can't afford any more ins. then liability?

ins. co's don't actively search for bikes.
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Old 02-02-2010, 02:06 PM   #52
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and you can only imagine if they heard about certain sv that got crashed.
i've only had one wreck reported in all the time that i've been driving.
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Old 02-02-2010, 02:08 PM   #53
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Quote:
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ins. co's don't actively search for bikes.
Nor do cops. If you drop leads they wont even pursue them. You have to put yourself in danger, call it in as theft in progress to get the cops to come.

But insurance companies do the usual thing that liability owners dont: register it stolen w other insurance companies, update the theft report every 2 months when the PD resends the letter and holds records for min 2yrs.

Its not much but small time thieves that try to resell are usually the ones caught when they are back tracked from a registered stolen frame/wrong license plate reported stolen.
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Old 02-02-2010, 02:09 PM   #54
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"We are unable to provide rates for the 2009 SUZUKI GSX-R750 when an operator has less than 2 years motorcycling experience." - Dairyland
uh oh!
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Old 02-02-2010, 02:13 PM   #55
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uh oh!
right, and if i owned my own ins. co, i wouldn't insure peeps under 25 (vs less the 2yrs riding) on sportbikes at all.
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Old 02-02-2010, 02:15 PM   #56
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call state farm in sugarland im 22 and have a 08 1k and i pay 140 a month 281 980 1161 thats their # ask for marian
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Old 02-02-2010, 02:16 PM   #57
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right, and if i owned my own ins. co, i wouldn't insure peeps under 25 (vs less the 2yrs riding) on sportbikes at all.
Ya but Ed your a world class hater. We know what's up!
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Old 02-02-2010, 02:18 PM   #58
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I thought mine was expensive but now I see its not. Got full coverage on 08 gsxr 750 for $89 a month through state farm. I have my truck and house covered too so each month its a $188 an I'm somewhere in my 30's. My agent asked what kind of bike it was so I said it'd be classified as a sports bike. He looked it up and said uh wait no the 750 is classified as a SUPER sport bike.....I liked the rate for sports bike better
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Old 02-02-2010, 02:25 PM   #59
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/facepalm at the 09 750 as a first bike

before my f4i got stolen i was paying about 500 a year with 2 speeding tickets on my record through USAA / progressive.
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Old 02-02-2010, 02:32 PM   #60
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I pay 97/year for liability on my rf600r through progressive. 24, no tickets in last 3 years. classified as a sport touring.
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