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Old 04-14-2008, 04:11 PM   #1
kit_kat
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noob with questions about insurance

My name is kevin and im a noob:
So im looking at getting a bike and i have pretty much made my decision on what one, however paying for it is still up in the air. I am 22 years old and full coverage on the bike is outrageous, the cheapest i have found is $185 a month, thats more then the bike payment. I was wondering who you went through if you got a loan and whos your insurance provider? There is no way i could talk myself into paying more for insurance then the bike is worth.
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Old 04-14-2008, 04:11 PM   #2
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what kind of bike?

Geico hooked it up. Great coverage and competitive rates.
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Old 04-14-2008, 04:12 PM   #3
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Dairyland County Mutual was pretty cheap for me...but ^ accounts for that....i got a 2fiddy.
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Old 04-14-2008, 04:16 PM   #4
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If you get a cheap ninja 250 ... you just need liability because no one wants to steal it and fixing it is cheap.

89.00 bucks for the year is what I pay for just liability ... plus it's a great starter bike.
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Old 04-14-2008, 04:18 PM   #5
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take the MSF class many ins. co's give discounts for having taken the class.

also there's a reason ins. is so high on bikes your looking at, care to guess why?
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Old 04-14-2008, 04:18 PM   #6
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geico hooked me up and im 20 also with my first bike and it runs me about the same for full coverage thats about the cheapest you will find

maybe consider getting liability:dontknow:
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Old 04-14-2008, 04:21 PM   #7
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If you get liability don't cry IF something happens and you have to come out of pocket...but like logan said if it's a cheap bike it shouldn't be a problem, but if you finance you should be required to have full coverage.
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Last edited by GQ*; 04-14-2008 at 04:25 PM.
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Old 04-14-2008, 05:13 PM   #8
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Im looking at a 2008 Suzuki gsx 650f, i want a sport/sport touring bike with good ergonomics that can be used for every day use and will not kill me on longer distance trips. I talked to an insurance guy and he said that it doesnt matter if its a brand new bike or a used bike the price is still the same (the insurance guy also laughed when he saw how much it was and told me not to get it) I do want full coverage incase something happens. Also who did you use to finance your bike (if you used anyone at all)?

Racer x, why is it so high? Is it because of my age, its a sport bike, its brand new?

I plan on taking MSF class later this month
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Old 04-14-2008, 07:53 PM   #9
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Old 04-14-2008, 08:04 PM   #10
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Quote:
Originally Posted by kit_kat View Post
Im looking at a 2008 Suzuki gsx 650f, i want a sport/sport touring bike with good ergonomics that can be used for every day use and will not kill me on longer distance trips. I talked to an insurance guy and he said that it doesnt matter if its a brand new bike or a used bike the price is still the same (the insurance guy also laughed when he saw how much it was and told me not to get it) I do want full coverage incase something happens. Also who did you use to finance your bike (if you used anyone at all)?

Racer x, why is it so high? Is it because of my age, its a sport bike, its brand new?

I plan on taking MSF class later this month

To the questions asked to Racer X, about it being the age...i doubt it cause i am 24 which means i'm a year shy of the 25 year mark for insurance...even then i got the same price as GQ*...he is over 25...i think it depends on your driving records, whether you have good credit (insurance wise type of credit...something like that is what the rep told me from Dairyland)...just shop around...dont settle for the first one...compare prices and see what you can work with...
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Old 04-14-2008, 08:40 PM   #11
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My credit is pretty decent, i have 1 ticket in 6 years, but i did get a quote on a Ninja 250, full coverage would run about $110 a month so $75 a month cheaper. I was wondering if any one financed their bike who did they use, i had someone tell me if you use GE then you dont need full coverage, but i think that the interest rate would be upwards around 16% and once again i want full coverage incase something happened.

So i guess i am asking for suggestions on who to finance threw and what insurance company to look at, i will check out Dairyland tomorow

thanks for all of your help
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Old 04-14-2008, 08:41 PM   #12
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ACU Texas is great. They hooked me up with a nice interest rate when i had very little credit history.
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Old 04-14-2008, 08:44 PM   #13
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kit Kat.....look in the sponser section. Call up tuan from state farm or PM him. I just signed a really good deal with him.

PM me and ill give you some details
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Old 04-14-2008, 08:46 PM   #14
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oh and to answer your question on the finance part. i go through capital one motorcycle loan.
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Old 04-14-2008, 08:47 PM   #15
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i also have state farm, i pay 140 for full coverage on an 07 750 and im 20
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