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Old 05-21-2012, 01:24 PM   #1
ca_la_g
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insurance question

in texas, do we have to fully insure a bike that the dealer is still getting payment for?

the only thing stopping me from buying a ducati streetfighter is not wanting to pay 7k a year for insurance vs 300 liability.
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Old 05-21-2012, 01:27 PM   #2
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would you loan a large sum of money and not want it protected? outstanding lien (with anything) = insurance required.
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Old 05-21-2012, 01:33 PM   #3
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The company loaning the money will likely insist on FC. Not all do though with the proper credit rating.
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Old 05-21-2012, 01:36 PM   #4
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Quote:
Originally Posted by ca_la_g View Post
in texas, do we have to fully insure a bike that the dealer is still getting payment for?

the only thing stopping me from buying a ducati streetfighter is not wanting to pay 7k a year for insurance vs 300 liability.
Did you shop around? I'm paying @ $75 monthly for full coverage with State Farm. Pm Tuan.
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Old 05-21-2012, 01:36 PM   #5
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Quote:
Originally Posted by ca_la_g View Post
in texas, do we have to fully insure a bike that the dealer is still getting payment for?

the only thing stopping me from buying a ducati streetfighter is not wanting to pay 7k a year for insurance vs 300 liability.
take a poll on how many people had liability only, then had their bikes hit n run, stolen, or crashed either on the track or on a back road...If you want to pay 10k for a lump of steel in your back yard that you can't use, you have way too much money....if you can't afford the insurance, you can't afford the bike....but do what you will, lessons are usually learned the hard way..
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Old 05-21-2012, 01:37 PM   #6
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how large can i get away with? i mean i'm planning on downing at least 8k. and my credit is outstanding. held the same job for 4 years, never been late on any payment.
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Old 05-21-2012, 01:37 PM   #7
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There is no law that says you have to purchase full coverage.

You lien holder (the finanace company) will probably require it though.
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Old 05-21-2012, 01:39 PM   #8
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Quote:
Originally Posted by tiatool View Post
Did you shop around? I'm paying @ $75 monthly for full coverage with State Farm. Pm Tuan.
really? i only got an estimate from progressive
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Old 05-21-2012, 01:40 PM   #9
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Get some quotes, buy a Duc ain't cheap to insure...
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Old 05-21-2012, 01:44 PM   #10
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really? i only got an estimate from progressive
I put the trucks and bike on the policy and it just kept going down. Found out today my rate went down again and saved me another ~100
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Old 05-21-2012, 01:45 PM   #11
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Quote:
Originally Posted by joeburt1 View Post
take a poll on how many people had liability only, then had their bikes hit n run, stolen, or crashed either on the track or on a back road...If you want to pay 10k for a lump of steel in your back yard that you can't use, you have way too much money....if you can't afford the insurance, you can't afford the bike....but do what you will, lessons are usually learned the hard way..
this wouldn't be my first bike, it wouldn't even be my first three. and i've had one stollen before. says i spend 14k and wreck it, i'll just buy another one later or fix it out of pocket. but paying the bike's worth in insurance every other year... hmmm nope/ i'd rather buy a new bike every other year and lay it down for fun, cause then i would have a pile of steel in my yard to look at.

plus i the last time i went down on a bike is 7 years ago. i've been pretty good at spotting driver since
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Old 05-21-2012, 01:47 PM   #12
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thanks for your input guys, i think i'll see if a general insurance agent can get me a low quote for full coverage. plus i'm turning 25 soon anyways
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Old 05-21-2012, 01:59 PM   #13
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I am also with state Farm. $38 a month full coverage. 07 r-6
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Old 05-21-2012, 02:33 PM   #14
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SF 100/month for me. Im not complaining at all
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Old 05-21-2012, 02:36 PM   #15
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I love being a old dude riding a sub-100hp scooter....

$77@ year, full coverage with $3k allowance for gear and accesories....

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Old 05-22-2012, 08:09 AM   #16
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User is banned

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Old 05-22-2012, 08:19 AM   #17
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Definitely send a PM to Tuan for a quote.

http://www.motohouston.com/forums/sh...ad.php?t=43155

The best quote I got was $1700 a year for full coverage on my N1K before I went to Tuan. He was able to get my premium lowered by an additional $300 AND increase the allowances on my coverages and threw in a life insurance policy for no additional cost. He is the real deal. Contact him; you won't be disappointed.
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Old 05-22-2012, 08:58 AM   #18
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You have to get quotes from multiple companies, SF kicks on sport bikes. Progressive sucks , Foremost and Dairyland are better on some bikes. One of those three should be affordable for you.
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