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Old 05-15-2014, 10:18 AM   #41
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Well as you pointed out, you are married - and how long have you been riding? I get the impression the OP is a new rider. He's gonna pay big for the first year or two. Not too many ways around that.
sure there is....buy a bike that can be afforded after factoring all of the NECESSARY added expenses to make it street legal and only carry liability assuming he has health coverage elsewhere. At the age of 18, my senior yr of high school, liability insurance on my paid in full 88 katana ran me right around $350/yr. Even had money for $150 lid.
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Old 05-15-2014, 10:19 AM   #42
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Ya I see what ur saying now thats y I asked how long has he had a bike insured iv only really been on the street for bout 8months. However my first bike was a buell xb12r and I had it with liability for 6months before I dropped it. When I bought this r1 I got told some high prices but after calling and call in I found my price point which I found fare. However I'm praying next year it goes down way more Lol 182. Is still a good chunk of change . when you consider my car and truck are full coverage roadside and rental both and I only pay 142. For both of them lol
I hear ya - I think I pay something like $95 a month for full coverage on my ride, but then again, I'm old and its slow...
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Old 05-15-2014, 10:20 AM   #43
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sure there is....buy a bike that can be afforded after factoring all of the NECESSARY added costs to make it street legal and only carry liability assuming he has health coverage elsewhere.
Well yeah - but that just makes way too much sense...
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Old 05-15-2014, 10:23 AM   #44
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I hear ya - I think I pay something like $95 a month for full coverage on my ride, but then again, I'm old and its slow...
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Old 05-15-2014, 10:25 AM   #45
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sure there is....buy a bike that can be afforded after factoring all of the NECESSARY added expenses to make it street legal and only carry liability assuming he has health coverage elsewhere. At the age of 18, my senior yr of high school, liability insurance on my paid in full 88 katana ran me right around $350/yr. Even had money for $150 lid.

Come on bro we all know when buying a bike priorities means matching helmet to bike color etc. Not insurance and other bills like maintenance lol
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Old 05-15-2014, 10:32 AM   #46
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WHO THE underwrites a 10k loan and doesn't require Full coverage? Does yamaha really do this? Is this on an 18% interest Yamaha Credit Card or some ?
Yes they do, all day long. It's a personal loan vs vehicle loan.

Think suzi does it also.
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Old 05-15-2014, 10:37 AM   #47
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WHO THE underwrites a 10k loan and doesn't require Full coverage? Does yamaha really do this? Is this on an 18% interest Yamaha Credit Card or some ?
yep, since its on a credit card you only have to have liability.. however I dont know why anyone would spend that much on a bike and not have it fully covered. A buddy bought his r6 with the yamaha credit card and only had liability, needless to say I gave him sh*t about it
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Old 05-15-2014, 10:58 AM   #48
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Quote:
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WHO THE underwrites a 10k loan and doesn't require Full coverage? Does yamaha really do this? Is this on an 18% interest Yamaha Credit Card or some ?
Probably. It seems like I've heard about a lot of factory financing being done that way. Not much better than getting a pay day loan.
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Old 05-15-2014, 10:59 AM   #49
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Originally Posted by dbuck View Post
sure there is....buy a bike that can be afforded after factoring all of the NECESSARY added expenses to make it street legal and only carry liability assuming he has health coverage elsewhere. At the age of 18, my senior yr of high school, liability insurance on my paid in full 88 katana ran me right around $350/yr. Even had money for $150 lid.
, $150 back then, must've been a baller helmet

How were Katanas rated vs. super sports at that time? (Honest question) I know when I insured my Bandit 1200 it was about 1/3 the cost of a 600 SS.

Right now, I think I'm paying ~$300/year on both bikes, one being an "antique" sidecar rig with an agreed value of like $12,000. No way it's worth that much, but it makes me feel better about the thought of it getting totaled.
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Old 05-15-2014, 11:07 AM   #50
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, $150 back then, must've been a baller helmet

How were Katanas rated vs. super sports at that time? (Honest question) I know when I insured my Bandit 1200 it was about 1/3 the cost of a 600 SS.

Right now, I think I'm paying ~$300/year on both bikes, one being an "antique" sidecar rig with an agreed value of like $12,000. No way it's worth that much, but it makes me feel better about the thought of it getting totaled.
baller helmet for sure....think it was a Bell.

not sure on comparisons to a SS bike, didn't get my SS 94zx7 until 01 in my second year of college and liability for it was about the same at that time. I've never carried FC on any of my toys b/c it is cheaper for me to wreck and replace over a few years than carry the extra premium for something financed or worth a "ton". Same for my cars...all are paid off, cheapest insurance to get me on the road and in the event I have an at fault accident it would be cheaper to replace the dang car. My wifes lexus has FC, but only bc it would run me 7k to replace it. once it's worth about 3-4k, I'll drop the FC on it too.
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Old 05-15-2014, 11:36 AM   #51
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baller helmet for sure....think it was a Bell.

not sure on comparisons to a SS bike, didn't get my SS 94zx7 until 01 in my second year of college and liability for it was about the same at that time. I've never carried FC on any of my toys b/c it is cheaper for me to wreck and replace over a few years than carry the extra premium for something financed or worth a "ton". Same for my cars...all are paid off, cheapest insurance to get me on the road and in the event I have an at fault accident it would be cheaper to replace the dang car. My wifes lexus has FC, but only bc it would run me 7k to replace it. once it's worth about 3-4k, I'll drop the FC on it too.
at $150/year for full coverage, it's worth it to me to take the chance on having a nice start on the purchase of another bike should something happen to these. , insurance has already paid out more than I've got in my bike total (including upgrades to brakes, clutch, suspension) after I got hit in 2012, but even being a "free" bike at this point, I still wouldn't mind getting a $1500 check to put toward another bike if I run it off a cliff. Difference is around $150/year (for both bikes), definitely a small enough increase to make it worth it. Now if it were $600 a year for this bike, I might feel differently, and even that only works out to $50/month. I just ride cheap- bikes.
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Old 05-15-2014, 12:39 PM   #52
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Wow you all pay way to much for ins. I pay. $135.00 a year for full coverage on my Hayabusa
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Old 05-15-2014, 12:41 PM   #53
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Wow you all pay way to much for ins. I pay. $135.00 a year for full coverage on my Hayabusa
WOW! if i lived in a 4th class city with a population of less than 7500 my insurance would be cheaper too I bet. welcome. lol
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Old 05-15-2014, 01:03 PM   #54
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WOW! if i lived in a 4th class city with a population of less than 7500 my insurance would be cheaper too I bet. welcome. lol
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Old 05-15-2014, 01:49 PM   #55
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Wow you all pay way to much for ins. I pay. $135.00 a year for full coverage on my Hayabusa

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Location: Corbin,Ky
No sherlock, you live in the middle of the woods. The city is way different.


So if insurance is to high, is because youre not meant to ride that bike. They based insurance of stats...so obviously tons of people in your demographic cant ride. Just admit it, you want the cool bike but you cant really RIDE that bike.

If you think you can, Ill be happy to give you a lesson.
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Old 05-15-2014, 01:49 PM   #56
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It's not that I can't afford the necessary things always take good care of my things I just did not like paying more for insurance not get the bike so I got liability and I did some shopping I found Tuan with State Farm on these forums and he got me what I need (full coverage) for less then half the price geico quoted me! Thanks for all the input!

You gave it to me pretty blunt lol thanks though I do appreciate it!
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Old 05-15-2014, 01:49 PM   #57
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It's not that I can't afford the necessary things always take good care of my things I just did not like paying more for insurance not get the bike so I got liability and I did some shopping I found Tuan with State Farm on these forums and he got me what I need (full coverage) for less then half the price geico quoted me! Thanks for all the input!

You gave it to me pretty blunt lol thanks though I do appreciate it!
Awesome, glad it worked out! State Farm has been posting good rates lately.
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Old 05-15-2014, 01:56 PM   #58
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Wow you all pay way to much for ins. I pay. $135.00 a year for full coverage on my Hayabusa
I also put 12k-14k miles/year on my bike, it's not a 1000 mile/year trailer queen. I pay higher insurance because I actually use my bike for more than posing.

Also, I realize we're all guilty of this, but besides the city difference just saying "full coverage" doesn't say much. Deductible, coverage levels, PIP, and accessory coverage all make a big difference in the cost of "full coverage", not to mention age, driving record, marriage, other misc. discounts. I don't keep minimum "full coverage", even with a cheap bike, because I want insurance to actually cover me if something besides theft occurs.

Just sayin'.
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Old 05-15-2014, 02:03 PM   #59
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Yeah I don't know what kind of magic Juan pool but it's awesome because originally got a quote from State Farm on the same bike with the same view and it was $280 something a month right along with Geico but whatever Tuan did work and I'm okay with it I did end up adding all of my other vehicles as well so I'm sure that helped!
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Old 05-15-2014, 05:12 PM   #60
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Yeah I don't know what kind of magic Juan pool but it's awesome because originally got a quote from State Farm on the same bike with the same view and it was $280 something a month right along with Geico but whatever Tuan did work and I'm okay with it I did end up adding all of my other vehicles as well so I'm sure that helped!
Good to hear man now u won't have to worry if something ever "does" happen lol . I can't imagine waking up and bike being gone and not having full coverage or theft. My bike is actually worth more then I paid according to sf which I'm happy about in case something ever happened they said they'd cover up to 9500 in a total loss senerio .
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