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Old 02-20-2015, 10:11 AM   #1
WbDDoT
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Insurance

Ok guys Im lookin at getting insurance on a new to me 08 R1. What is everyone paying for their insurance? What kind of coverage and with what company? Thanks in advance!
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Old 02-20-2015, 10:14 AM   #2
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Tuan with State Farm got me hooked up.
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Old 02-20-2015, 10:14 AM   #3
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$60/mo for full coverage with progressive on a 300. I'm 23.
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Old 02-20-2015, 10:20 AM   #4
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MAKE SURE YOU GET PIP (Personal Injury Protection) and UM/UIM (Uninsured/Underinsured) COVERAGE.

I tell my motorcycle clients it's just like your riding gear: you need all the protection you can get when riding. PIP pays for medical bills regardless of fault (up to a limit) and is CHEAP.

UM/UIM protects when the at-fault person either has little or not enough insurance. Usually they don't have enough insurance because the state minimum in Texas is $30,000.00 and that is NOTHING when considering the normal range of injuries that riders suffer.

Any questions? PM me.
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Old 02-20-2015, 10:23 AM   #5
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MAKE SURE YOU GET PIP (Personal Injury Protection) and UM/UIM (Uninsured/Underinsured) COVERAGE.

I tell my motorcycle clients it's just like your riding gear: you need all the protection you can get when riding. PIP pays for medical bills regardless of fault (up to a limit) and is CHEAP.

UM/UIM protects when the at-fault person either has little or not enough insurance. Usually they don't have enough insurance because the state minimum in Texas is $30,000.00 and that is NOTHING when considering the normal range of injuries that riders suffer.

Any questions? PM me.
Personal injury protection more than doubles my premium.
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Old 02-20-2015, 10:24 AM   #6
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Personal injury protection more than doubles my premium.
It was cheap on mine as well (Tuan with State Farm)
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Old 02-20-2015, 10:45 AM   #7
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Im waiting on a quote from my State Farm agent now, Ill let yall know whats up.
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Old 02-20-2015, 11:43 AM   #8
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just get progressive and call it a day. i paid $200 for the year. LIABILITY BABY!!
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Old 02-20-2015, 11:51 AM   #9
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just get progressive and call it a day. i paid $200 for the year. LIABILITY BABY!!
I can get Liability for less than that...already got a quote from Dairyland. Looking to get full coverage though, if it is affordable.
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Old 02-20-2015, 11:52 AM   #10
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just get progressive and call it a day. i paid $200 for the year. LIABILITY BABY!!
No way I'd only have liability! But that's just me!
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Old 02-20-2015, 11:58 AM   #11
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there was an article on reddit or some such where a guy broke it down about the 15/30/10 or whatever, and he reccomended getting up in the 100,000 range for bodily injury and or medical coverage and had some very valid and correct reasons for doing so.

it pays for itself the first time you use it. we're all just hoping we dont have to
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Old 02-20-2015, 12:07 PM   #12
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there was an article on reddit or some such where a guy broke it down about the 15/30/10 or whatever, and he reccomended getting up in the 100,000 range for bodily injury and or medical coverage and had some very valid and correct reasons for doing so.

it pays for itself the first time you use it. we're all just hoping we dont have to
To bump up to 100/300/100 is typically a very small difference, too. If you're like me and some lawyer turns the wrong way on a one way street and hits you and you have to foot the bill anyway because they're a lying sack of , and that lawyer happens to be driving an S class Mercedes, you could easily wind up wishing that you had more than the minimum $30k property damage.
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Old 02-20-2015, 12:09 PM   #13
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Ok guys my agent from State Farm quoted me 159.96/year for liability only.

$604.32/year for full with UM and PIP with a 500 deductible. It was actually 50.36/month, but she is going to give me a discount for a full year policy, waiting on the final numbers.

I think thats pretty good! Alot better than the other quote i got. Any thoughts?
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Old 02-20-2015, 12:13 PM   #14
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That full coverage sounds pretty good. How old are you?

I think I paid around the same for just liability with UM on my zx6 with progressive. That was before I turned 25 though so hopefully I can bump up to full coverage this year.
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Old 02-20-2015, 12:14 PM   #15
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Quote:
Originally Posted by WbDDoT View Post
Ok guys my agent from State Farm quoted me 159.96/year for liability only.

$604.32/year for full with UM and PIP with a 500 deductible. It was actually 50.36/month, but she is going to give me a discount for a full year policy, waiting on the final numbers.

I think thats pretty good! Alot better than the other quote i got. Any thoughts?
I'd be tempted to think that's a deal for an R1. I know it's not brand spanking new but that doesn't mean that it's not a ballistic missile on wheels from an insurance standpoint. I pay more than that for my 300. But I'm younger and less experienced at any rate.
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Old 02-20-2015, 12:16 PM   #16
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just FYI, state farm SUCKED when I checked rates with them. I've had all my bikes through Progressive for about 7 years now. Originally, they were about 1/4 the price of State Farm, no idea if they've become more competitive. At the time I was 24, married, homeowner with good credit, clean driving record, and checking on rates for an old CB750, SF was quoting something like $2200/year.

I've currently got my home/auto insurance through SF and I keep checking back on motorcycles, they just can't compete with Progressive's rate. I'm carrying comprehensive/UM/PIP on 2 bikes and liability only on two (one is off-road only, the other has already been declared a total loss twice).

Last edited by Jae; 02-20-2015 at 12:20 PM.
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Old 02-20-2015, 12:16 PM   #17
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Quote:
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I'd be tempted to think that's a deal for an R1. I know it's not brand spanking new but that doesn't mean that it's not a ballistic missile on wheels from an insurance standpoint. I pay more than that for my 300. But I'm younger and less experienced at any rate.
Well I'm 28 so your not that much younger. I do have my Ninja 250 insured by the same agent (Liability) as well as my Suburban (also liability) so i may be getting some sort of discount....
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Old 02-20-2015, 12:18 PM   #18
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Quote:
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just FYI, state farm SUCKED when I checked rates with them. I've had all my bikes through Progressive for about 7 years now. Originally, they were about 1/4 the price of State Farm, no idea if they've become more competitive. At the time I was 24, married, homeowner with good credit, clean driving record, and checking on rates for an old CB750, SF was quoting something like $2200/year.
A coworker here had progressive. He is around 50 and his rates sucked. I recommended my agent to him and he got his auto insurance rate cut IN HALF! This was like 2 weeks ago....
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Old 02-20-2015, 12:26 PM   #19
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Quote:
Originally Posted by WbDDoT View Post
A coworker here had progressive. He is around 50 and his rates sucked. I recommended my agent to him and he got his auto insurance rate cut IN HALF! This was like 2 weeks ago....
sorry, edited to finish my thought.

I've been checking around home and auto rates, and it looks like I'm overpaying by about $1000/year with state farm on those as well. That's not even checking equivalent coverage on auto, that's going from 30/60/30 coverage with SF to 250/500/250 on the auto policies. I don't understand why SF is so much more expensive, even after all the discounts I'm supposedly getting. I shop around motorcycle insurance about yearly, and no one has been able to beat Progressive in the 7.5 years I've been riding. Just now realizing I need to be shopping home/auto as well.
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Old 02-20-2015, 12:30 PM   #20
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Quote:
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sorry, edited to finish my thought.

I've been checking around home and auto rates, and it looks like I'm overpaying by about $1000/year with state farm on those as well. That's not even checking equivalent coverage on auto, that's going from 30/60/30 coverage with SF to 250/500/250 on the auto policies. I don't understand why SF is so much more expensive, even after all the discounts I'm supposedly getting. I shop around motorcycle insurance about yearly, and no one has been able to beat Progressive in the 7.5 years I've been riding. Just now realizing I need to be shopping home/auto as well.
I got a quote coming from progressive. I will let you know!
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