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Old 06-18-2012, 02:52 PM   #21
flip326
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$320/ year progressive...liab + theft..$250 deductible.

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Old 06-18-2012, 03:01 PM   #22
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my liab is $9 every other month. full coverage was $65 a month
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Old 06-18-2012, 03:12 PM   #23
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Hopefully not getting too off topic, but is underinsured/uninsured motorist coverage included in comprehensive coverage or is that something more?
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Old 06-18-2012, 04:04 PM   #24
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Full coverage on 1000cc sport bikes is just ludicrous in Harris County. I was quoted more than $2,000 for an older model GSX-R 1000.
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Old 06-18-2012, 04:05 PM   #25
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Full coverage on 1000cc sport bikes is just ludicrous in Harris County. I was quoted more than $2,000 for an older model GSX-R 1000.
Did you tell them to Shecky their for your foot?
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Old 06-18-2012, 05:11 PM   #26
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Hopefully not getting too off topic, but is underinsured/uninsured motorist coverage included in comprehensive coverage or is that something more?
its something you elect to have aside from comprehensive...
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Old 06-18-2012, 05:14 PM   #27
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<$1K annually in GA, vs >$2K in TX
. Are you a 16 year old male with a bad driving record on a liter bike?
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Old 06-18-2012, 05:27 PM   #28
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Quote:
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Full coverage on 1000cc sport bikes is just ludicrous in Harris County. I was quoted more than $2,000 for an older model GSX-R 1000.
Many factors obviously impact bike insurance: rider age, experience/history, bike make/model, bike year, what bike will be used for, how many miles will be ridden annually, type of coverage, annual deductibles etc. etc. But, in my case - with all coverage etc. identical to GA, my premium was going to be over $2K for an '09 R1 in TX, vs a tad over $900 in GA. Prices really do vary quite a bit across insurers, though. I recall Progressive in GA was about the same rate as the $2K quote from TX; for bikes, it really pays to find a motorcycle insurance broker and to shop around quite a bit.

In my experience the big boys are the most expensive - especially Geico and Progressive. State Farm has decent rates but require a close-to-belmish free record or the rates skyrocket and/or they drop you after a claim or two.
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Old 06-18-2012, 05:33 PM   #29
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Quote:
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. Are you a 16 year old male with a bad driving record on a liter bike?
Check for the liter bike, but with a decent driving record and quite a bit more, welll, age....

Having shopped around for insurance for a while in GA, I know my GA premium was phenominal - all things considered. I could've bought a new Harley for twice the money and paid half the premium, for example, but insurers like to slap premiums on sport bikes (understandably). The best way to combat that is to buy new-old stock. My bike was a new '09 bought in '11. Had I bought an '11 (essentially identical bike) the premium would have been 2X. Silly, but true.
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Old 06-18-2012, 05:38 PM   #30
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yeah i live in one of the crapiest zipcodes for premium. Oh mybuddy was registering his bike in bandera texas, they found out he lives in houston...they made him change it.
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Old 06-18-2012, 05:41 PM   #31
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I blame the high premiums on all the numpties riding around without gear - and the aggressive TX drivers in general. I know it's hot outside, but dress for the fall, not the ride.

I want a discount for wearing gear!
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Old 06-19-2012, 08:19 AM   #32
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User is banned

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Old 06-19-2012, 09:06 AM   #33
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no its all the drunks and people who drive without a license or insurance.
truth.
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Old 06-19-2012, 09:18 AM   #34
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Higher theft rates, and 50% of the driving population is uninsured. Which says nothing for the UNDERinsured. So yea, its more expensive.
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Old 06-19-2012, 09:25 AM   #35
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progressive tells me that they have a better than 90% claim rate on sport bikes and you have to be kin to somebody to get insured with them if you are under 25 and have a sport bike. I have been with them for years and have my trucks as well as my bikes insured with them....I will be 62 in august and have been riding bikes since 1963 and they were still bending me over until I called to cancel, then cut my rates in half...funny thing is that I have never been in an accident and have never got a ticket on one of my bikes... the last ticket I got was in a car and that was in 1985.
all this could change this afternoon, but that is what my insurance was based on.
the only claims I have ever filed were for storm damage and vandalism, and that was on my cages not my bikes... and yes progressive writes them on seperate policies.
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Old 06-19-2012, 09:57 AM   #36
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Check for the liter bike, but with a decent driving record and quite a bit more, welll, age....

Having shopped around for insurance for a while in GA, I know my GA premium was phenominal - all things considered. I could've bought a new Harley for twice the money and paid half the premium, for example, but insurers like to slap premiums on sport bikes (understandably). The best way to combat that is to buy new-old stock. My bike was a new '09 bought in '11. Had I bought an '11 (essentially identical bike) the premium would have been 2X. Silly, but true.
Ouch. All my bikes have been cheap and paid cash for them so I only have liability with uninsured motorist.

When I had my Triumph Speed Triple and it was new, it was still well under $1000 a year for full coverage in Fort Bend County. Married, mid 30's, homeowner.
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Old 06-19-2012, 10:13 AM   #37
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Yep it sucks. Our insurance doubled when we moved here from Georgia.
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Old 06-19-2012, 10:41 AM   #38
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Quote:
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progressive tells me that they have a better than 90% claim rate on sport bikes and you have to be kin to somebody to get insured with them if you are under 25 and have a sport bike. I have been with them for years and have my trucks as well as my bikes insured with them....I will be 62 in august and have been riding bikes since 1963 and they were still bending me over until I called to cancel, then cut my rates in half...funny thing is that I have never been in an accident and have never got a ticket on one of my bikes... the last ticket I got was in a car and that was in 1985.
all this could change this afternoon, but that is what my insurance was based on.
the only claims I have ever filed were for storm damage and vandalism, and that was on my cages not my bikes... and yes progressive writes them on seperate policies.

What?? I have had my bikes insured with Progressive since I got them at 24...
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Old 06-19-2012, 10:47 AM   #39
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I pay 64 a month full cover on my bike. No tickets and no accidents. Tx mot ins
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Old 06-19-2012, 06:24 PM   #40
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Interesting! Progressive just reduced my premiums from 47 to 40 a month. Two bikes including a SS; the gixxer has comprehensive but not collision. Maybe I should shop State Farm & then tell Progressive I'm dropping them.

Quote:
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progressive tells me that they have a better than 90% claim rate on sport bikes and you have to be kin to somebody to get insured with them if you are under 25 and have a sport bike. I have been with them for years and have my trucks as well as my bikes insured with them....I will be 62 in august and have been riding bikes since 1963 and they were still bending me over until I called to cancel, then cut my rates in half...funny thing is that I have never been in an accident and have never got a ticket on one of my bikes... the last ticket I got was in a car and that was in 1985.
all this could change this afternoon, but that is what my insurance was based on.
the only claims I have ever filed were for storm damage and vandalism, and that was on my cages not my bikes... and yes progressive writes them on seperate policies.
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