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Old 07-10-2012, 09:45 PM   #1
Bkgraham33
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Insurance in Houston

I'm thinking of picking up a 2012 ZX14R, but am finding the full coverage insurance to be insanely expensive, even though I'm 36 with a good record.

Are there any local insurance companies anybody can recommend?
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Old 07-10-2012, 09:51 PM   #2
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I'm 36 and have a 2012 ZX14R, and I went through Dairyland. I have a totally clean record and it's still outrageously expensive.
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Old 07-10-2012, 09:54 PM   #3
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I'm 36 and have a 2012 ZX14R, and I went through Dairyland. I have a totally clean record and it's still outrageously expensive.
Was Dairyland your best quote? They're quoting me ~$1,400.
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Old 07-10-2012, 09:56 PM   #4
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I'm 36 and have a 2012 ZX14R, and I went through Dairyland. I have a totally clean record and it's still outrageously expensive.
Nice avatar by the way. I'm looking at the blue one. I'd like the green but I can't find them anywhere, and if I did I'm fairly certain they wouldn't give a deal on it. The best I've found on the blue (so far) is $14,1xx out the door.
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Old 07-10-2012, 09:56 PM   #5
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Was Dairyland your best quote? They're quoting me ~$1,400.
That sounds pretty reasonable if it's full coverage. I'm also using Dairyland.

PM Tuan Tran here on the forums for a quote.

http://www.motohouston.com/forums/sh...ad.php?t=43155
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Old 07-10-2012, 10:11 PM   #6
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Old 07-10-2012, 10:53 PM   #7
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I think mine was actually worse than $1400, but I paid it in full (for a small discount) so that I wouldn't be reminded of just how bad I'm being raped for it..
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Old 07-10-2012, 10:57 PM   #8
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I think I'm gonna get another quote after I pay it off.. I have about 3K to go...
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Old 07-10-2012, 11:02 PM   #9
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I think I'm gonna get another quote after I pay it off.. I have about 3K to go...
I'm considering just not getting full coverage, but man that's a big risk...
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Old 07-10-2012, 11:03 PM   #10
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I'm considering just not getting full coverage, but man that's a big risk...
Bro that bike is prime for theft.
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Old 07-10-2012, 11:12 PM   #11
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Im 26 on a 2k11 Hayabusa and I pay $650 a year through SF.....granted I also have my truck, RZR, and house on there....
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Old 07-10-2012, 11:13 PM   #12
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Let Ball Insurance Quote you ... although I think they are also Dairyland.

They are in Highlands.
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Old 07-11-2012, 08:49 AM   #13
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Dairyland is a bunch of crooked with the worst customer service I have ever seen in an insurance company. I would stay the away from them. They have me in collections right now. The failed to send proof of insurance to my credit union EVERY month. As a result my CU would be forced to get me insurance. I would of course have to pay for it. Then after a call EVERY month DL would send proof. After 5 months of the I tried to cancel them and stop the bank drafts. I first called to drop them. The next month I was drafted again. By this time I had already switched back to State Farm ( I never should have left them over 10.00 a month difference). Now I was being drafted by DL and also paying SF. They informed me that I needed to send notice in writing. I sent them a letter in writing saying that I no longer wanted them. They drafted my account AGAIN. I called them again. Now keep in mind that you will sit on hold for a while and have to press 1,3,4,2 and 1 again just to reach someone. They informed me that I needed to sign the letter saying I wanted to drop them. I resent the letter and signed it. Finally they stopped drafting my account. Then the notices started. They somehow figured I owed them 230.00. I ignored the letters since there was no way I owed them. Then the collection started coming in. I called several people trying to understand how I owe them. I didnt keep them for a full year so they tacked on some BS charges. I tried to explain that they cant their customers over every month and expect to keep thier business. She said " I'm sorry sir, but its in the fine print" I finally told them that I have fine print also. I said "Y'all can go yourself". She hung up.

cliff notes- Dairyland can kiss my
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Old 07-11-2012, 09:03 AM   #14
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Quote:
Originally Posted by bluewave18 View Post
Dairyland is a bunch of crooked with the worst customer service I have ever seen in an insurance company. I would stay the away from them. They have me in collections right now. The failed to send proof of insurance to my credit union EVERY month. As a result my CU would be forced to get me insurance. I would of course have to pay for it. Then after a call EVERY month DL would send proof. After 5 months of the I tried to cancel them and stop the bank drafts. I first called to drop them. The next month I was drafted again. By this time I had already switched back to State Farm ( I never should have left them over 10.00 a month difference). Now I was being drafted by DL and also paying SF. They informed me that I needed to send notice in writing. I sent them a letter in writing saying that I no longer wanted them. They drafted my account AGAIN. I called them again. Now keep in mind that you will sit on hold for a while and have to press 1,3,4,2 and 1 again just to reach someone. They informed me that I needed to sign the letter saying I wanted to drop them. I resent the letter and signed it. Finally they stopped drafting my account. Then the notices started. They somehow figured I owed them 230.00. I ignored the letters since there was no way I owed them. Then the collection started coming in. I called several people trying to understand how I owe them. I didnt keep them for a full year so they tacked on some BS charges. I tried to explain that they cant their customers over every month and expect to keep thier business. She said " I'm sorry sir, but its in the fine print" I finally told them that I have fine print also. I said "Y'all can go yourself". She hung up.

cliff notes- Dairyland can kiss my
Did you go direct? If not, with an agent locally? If you did get a local agent, wtf was he doing? Online quotes get you just that, jack
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Old 07-11-2012, 09:14 AM   #15
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I pay under 400 a year for full coverage + UM/IM with progressive. They blew everyone out of the water for me.
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Old 07-11-2012, 09:18 AM   #16
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I was set up by a broker. I didn't have a local agent. They my eyes out in 2000 also. I bought a brand new 2000 ZX6R. I paid 8000.00 cash for it OTD with full Muzzy and a K&N filter and jet kit. It was a killer deal since Clear Lake wanted 9700 OTD with out the add ons. 3000mi. and 3 months later, it was stolen. DL offered me 3600.00 for the bike. I had to fight like to get more. After 3 months of fighting and an attorney, they un 7200. I told myself back then that they would never see another dime from me. I tried them again anyway. I wont make that mistake again. SF paid a total loss claim and I have a new bike in less than 1 week. I have never had 1 complaint about SF either. My agent is pretty sexy too.
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Old 07-11-2012, 09:20 AM   #17
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PM Trooper.
http://mytxmotorcycleinsurance.com/
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Old 07-11-2012, 09:30 AM   #18
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Somehow Allstate got me full coverage on a 2012 BMW S1000RR with 250/500/100 and 1,000 deductibles for $250/yr. I'm 38/married and have 2 other bikes as well on the policy.

Definitely shop around. Progressive wanted $1,060. I don't remember what they charged me for my 2006 ZX-14 back in the day.
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Old 07-11-2012, 01:04 PM   #19
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Cool

I had a the same quotes for my S1000RR but you can lower the price a lot if you don't take their medical bills coverage,meaning that if you have your own health insurance ,your health ins will take care of it.
then the quote usually drop by 50%.
I am about $550/year with Geico .
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Old 07-11-2012, 07:02 PM   #20
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I think I'm gonna get another quote after I pay it off.. I have about 3K to go...
I committed to a green ZX14R today. Picking it up in a week or 2 when the weather is better. I'm excited... And very nervous.
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