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Old 02-05-2009, 06:01 PM   #21
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Old 02-05-2009, 10:34 PM   #22
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Quote:
Originally Posted by Quicksilver View Post
Why is liability an insurance option???

If the bike is paid for, then if someone hits you it is on their insurance to pay for the damage. If you damage your own bike, then that is your own fault. Repair to a third party's vehicle is covered as well as theft, so why would I pay a higher premium. People have already testified that if you really crash your bike, it usually totalled. Or cost a bunch to fix. What is the usual repair cost on popular bikes????? Compare that to what you are paying in coverage. $200 - $300 /month in coverage. Now add that to how long you have owned the bike. Insurance company is just basically giving you back your own money.
If you financed for 3yrs minimum, you would have paid $7200 - $10800 in insurance payments alone. You could buy a brand new bike with that money.
I don't know if you ride in Houston but you are counting on the other driver to have insurance. What do you do when they are un-insured...?


P.S....you guys need to shop around full coverage isn't that expensive on a bike. Now if you've caused those prices, then I don't feel sorry for you one bit.
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Old 02-05-2009, 11:51 PM   #23
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Quote:
Originally Posted by Got-Busa? View Post
I don't know if you ride in Houston but you are counting on the other driver to have insurance. What do you do when they are un-insured...?

uninsured/under-insured coverage....?
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Old 02-06-2009, 09:27 AM   #24
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uninsured/under-insured coverage....?
FYI uninsured/under-insured coverage is expensive. I priced my with Allstate and it almost doubles my premium and I have full coverage.
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Old 02-06-2009, 09:39 AM   #25
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Man... You can pick up a 2 1/2hp B&S engine from just about any lawnmower shop for that 250 for around 150-200 bucks



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Old 02-08-2009, 11:23 PM   #26
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Quote:
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uninsured/under-insured coverage....?
If they can't afford full coverage, they sure as heck aren't going to have that...
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Old 02-08-2009, 11:31 PM   #27
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Quote:
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In my name got it when I was twenty brand new bike through state farm. I dont know how yall are getting these ridiculous estimates, quess you just arent shopping around.
you better be bullshitting.

i'm gonna hit my progressive dude in the mouth.
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Old 02-08-2009, 11:53 PM   #28
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I have State Farm with full coverage and pay 1,200 a year. I'm 18 and I paid for my bike with cash so no liens. But I got a quote from geico and progressive for like $3000+ a year and I laughed and hung up on them because I already knew what State Farm had offered me, but I guess I have lower rates because I use State Farm with the cage.

Oh, and I have zero traffic violations.
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Old 02-08-2009, 11:55 PM   #29
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Old 02-09-2009, 09:48 AM   #30
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Quote:
Originally Posted by mikes-si View Post
I have State Farm with full coverage and pay 1,200 a year. I'm 18 and I paid for my bike with cash so no liens. But I got a quote from geico and progressive for like $3000+ a year and I laughed and hung up on them because I already knew what State Farm had offered me, but I guess I have lower rates because I use State Farm with the cage.

Oh, and I have zero traffic violations.
That is what I said from the beginning; liens on a bike then most pay alot in insurance. no liens then most don't pay that much. But how many people can pay cash on a brand new bike???
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Old 02-09-2009, 06:04 PM   #31
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State Farm quoted me $398 for full coverage on my BUSA. I ended up staying with USAA because they couldn't touch my vehicle rates. When I lived in Ohio I paid $206 for 6-months full coverage so it is a bit over double coming back to Houston...

I was about that, I can't believe you guys are getting quotes for $1k+...

What the is on your record...?
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Old 02-09-2009, 06:06 PM   #32
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Old 02-09-2009, 06:08 PM   #33
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Quote:
Originally Posted by Got-Busa? View Post
State Farm quoted me $398 for full coverage on my BUSA. I ended up staying with USAA because they couldn't touch my vehicle rates. When I lived in Ohio I paid $206 for 6-months full coverage so it is a bit over double coming back to Houston...

I was about that, I can't believe you guys are getting quotes for $1k+...

What the is on your record...?
Last I checked USAA no longer wrote motorcycle policies.
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Old 02-09-2009, 09:01 PM   #34
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If you had a motorcycle policy with them prior to the cutoff date (I think it was Aug '04), they still do. However, they don't write new policies for new members. I've had a bike with them since 2000 so they still cover me even on new bikes...

If you call them now, they direct you through a rep (which I think is Progressive) and the rates aren't comparable. State Farm will beat them without even using any discounts....
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Old 02-09-2009, 09:47 PM   #35
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Quote:
Originally Posted by The_Gunslinger View Post
you better be bullshitting.

i'm gonna hit my progressive dude in the mouth.
You should punch him right in the throat. It all depends on the agent too, one state farm agent quoted me about $100 more a month than my agent. I dont know how that works but im super happy with my $85 full coverage premium, for that price youd be stupid not to get the coverage especially with all the theft going down
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