Holy insurance hell batman - Page 2

Rangerscott · 06-01-2012, 07:23 PM

Yup. I think even my vfr is considered a sportbike. Not sure about super sport. I have basic basic for both bikes. Ill have to look up my paper work and tell ya what I pay and for what.

The only thing bad for me on my bike record is a ticket for no MC license but thhat was 5 or so years ago. My agent never mentioned it so I guess its dropped.

Homeslice · 06-01-2012, 07:47 PM

you need to find someone who has a policy with those companies, and get a copy of the papers that come with it. They list all the discount codes available. If they think you will bail, they'll give you some discounts even though you don't really qualify. Like if you are a so-called "professional" you will get a discount, and they also have an equivalent discount for people who work in "trades" like plumbing, etc. And with my company there is another discount for belonging to a "professional association" which can bascially be anything, even a lame honors society.

OneSickPsycho · 06-01-2012, 08:03 PM

State Farm. They go by engine size regardless of type of bike... Yes, a VTX 1800 cost more to insure with State Farm than a CBR1000RR...

Progressive is the WORST... I had them with my 500R... I turned 25, got my renewal a month later and it had gone UP almost $300/yr. I called and they said that they had re-evaluated the way they calculated rates for motorcycles and while I did get a discount for turning 25, the net result was an increase. I promptly told them to fuck off... then switched to State Farm. Cost less than 1/3 what I had paid before the rate increase...

Gas Man · 06-01-2012, 10:07 PM

Quote:

Originally Posted by OneSickPsycho

State Farm. They go by engine size regardless of type of bike... Yes, a VTX 1800 cost more to insure with State Farm than a CBR1000RR...

Progressive is the WORST... I had them with my 500R... I turned 25, got my renewal a month later and it had gone UP almost $300/yr. I called and they said that they had re-evaluated the way they calculated rates for motorcycles and while I did get a discount for turning 25, the net result was an increase. I promptly told them to fuck off... then switched to State Farm. Cost less than 1/3 what I had paid before the rate increase...

ding ding ding
winner winner
chicken dinner

Rangerscott · 06-01-2012, 11:12 PM

I laughed when I got a progressive quote on just liability. It was more than what my ninja 250 cost.

Porkchop · 06-02-2012, 01:20 AM

Quote:

Originally Posted by Rangerscott

Yup. I think even my vfr is considered a sportbike. Not sure about super sport. I have basic basic for both bikes. Ill have to look up my paper work and tell ya what I pay and for what.

The only thing bad for me on my bike record is a ticket for no MC license but thhat was 5 or so years ago. My agent never mentioned it so I guess its dropped.

My VF500F was $88 a year. I thought I quoted out a 6th gen VFR800 and it wasn't that much???

Quote:

Originally Posted by OneSickPsycho

State Farm. They go by engine size regardless of type of bike... Yes, a VTX 1800 cost more to insure with State Farm than a CBR1000RR...

Progressive is the WORST... I had them with my 500R... I turned 25, got my renewal a month later and it had gone UP almost $300/yr. I called and they said that they had re-evaluated the way they calculated rates for motorcycles and while I did get a discount for turning 25, the net result was an increase. I promptly told them to fuck off... then switched to State Farm. Cost less than 1/3 what I had paid before the rate increase...

I'm almost certain she said that she got a quote from State Farm and it wasn't the lowest. I could be wrong though.

Sixxxxer · 06-02-2012, 01:31 AM

Shit I pay 600 a year for full coverage with State farm on the ZX6.

But I'm also 26 with a Clean Record.

Rangerscott · 06-02-2012, 10:13 AM

Its not much but allstate doesnt it show it as a santard or tourer.

Rangerscott · 06-02-2012, 11:51 AM

I switched from Geico to Allstate when I moved so I could have an agent in the same city as me.

Right meow being 26 and single with a clean record in a city of 230k population, I pay $157.38 a year for both my '01 VFR and '09 ER-6N with Liability only. It would have been $174 if I did it in installments.

I believe I don't have uninsured motorist on these.

2001 VFR

Liability insurance
Body - $30k each person
$60k each accident
(Passenger Liability coverage incluced)

Property damage - $50k each accident

Towing & labor cost coverage - $50

Premium - $83.71

'09 ER-6N

"ditto"

Premium - $88.26

My discounts are: Home ownership, Multiple cycle, organization, and good rider.

I think the organization is from me joining that Honda thing you can do online or something.

Rangerscott · 06-02-2012, 12:05 PM

I pay $211.38 for my vehicle with liability w/ uninsured/under-insured motorist.

Liability coverage
Body injury - $30k each person
$60k each occurrence

Property damage - $50k each occurrence

Uninsured Asshole

"same as above"

Discounts: Eco car (

), Premier Plus, Good Payer (what what this nigga pays bills), and Early Signing.

Rating info: This awesome vehicle is driven max of 7,500 miles per year, for hooker pickups, unmarried male of 26 sexy years, and doesnt drive like a dumbass.

06-02-2012, 01:31 AM	#17
Sixxxxer Like Gixxxxer But Not Join Date: Jul 2008 Location: Dirty Jersey Moto: 2008 ZX6R Posts: 4,891	Shit I pay 600 a year for full coverage with State farm on the ZX6. But I'm also 26 with a Clean Record. __________________ [FRSH] Candy Plasma Blue

06-02-2012, 11:51 AM	#19
Rangerscott Viff6N Mutated Warrior Join Date: Mar 2009 Location: Texas Moto: '01 Honda VFR 800 & '09 ER-6N Posts: 8,704	I switched from Geico to Allstate when I moved so I could have an agent in the same city as me. Right meow being 26 and single with a clean record in a city of 230k population, I pay $157.38 a year for both my '01 VFR and '09 ER-6N with Liability only. It would have been $174 if I did it in installments. I believe I don't have uninsured motorist on these. 2001 VFR Liability insurance Body - $30k each person $60k each accident (Passenger Liability coverage incluced) Property damage - $50k each accident Towing & labor cost coverage - $50 Premium - $83.71 '09 ER-6N "ditto" Premium - $88.26 My discounts are: Home ownership, Multiple cycle, organization, and good rider. I think the organization is from me joining that Honda thing you can do online or something. Last edited by Rangerscott; 06-02-2012 at 12:08 PM..

06-02-2012, 12:05 PM	#20
Rangerscott Viff6N Mutated Warrior Join Date: Mar 2009 Location: Texas Moto: '01 Honda VFR 800 & '09 ER-6N Posts: 8,704	I pay $211.38 for my vehicle with liability w/ uninsured/under-insured motorist. Liability coverage Body injury - $30k each person $60k each occurrence Property damage - $50k each occurrence Uninsured Asshole "same as above" Discounts: Eco car ( ), Premier Plus, Good Payer (what what this nigga pays bills), and Early Signing. Rating info: This awesome vehicle is driven max of 7,500 miles per year, for hooker pickups, unmarried male of 26 sexy years, and doesnt drive like a dumbass. Last edited by Rangerscott; 06-02-2012 at 12:12 PM..

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06-01-2012, 07:23 PM	#11
Rangerscott Viff6N Mutated Warrior Join Date: Mar 2009 Location: Texas Moto: '01 Honda VFR 800 & '09 ER-6N Posts: 8,704	Yup. I think even my vfr is considered a sportbike. Not sure about super sport. I have basic basic for both bikes. Ill have to look up my paper work and tell ya what I pay and for what. The only thing bad for me on my bike record is a ticket for no MC license but thhat was 5 or so years ago. My agent never mentioned it so I guess its dropped.

06-01-2012, 07:47 PM	#12
Homeslice Elitist Join Date: Nov 2008 Location: SF Bay Area Moto: Gix 750 Posts: 11,351	you need to find someone who has a policy with those companies, and get a copy of the papers that come with it. They list all the discount codes available. If they think you will bail, they'll give you some discounts even though you don't really qualify. Like if you are a so-called "professional" you will get a discount, and they also have an equivalent discount for people who work in "trades" like plumbing, etc. And with my company there is another discount for belonging to a "professional association" which can bascially be anything, even a lame honors society.

06-01-2012, 08:03 PM	#13
OneSickPsycho Ride Like an Asshole Join Date: Feb 2008 Moto: nothing... Posts: 11,254	State Farm. They go by engine size regardless of type of bike... Yes, a VTX 1800 cost more to insure with State Farm than a CBR1000RR... Progressive is the WORST... I had them with my 500R... I turned 25, got my renewal a month later and it had gone UP almost $300/yr. I called and they said that they had re-evaluated the way they calculated rates for motorcycles and while I did get a discount for turning 25, the net result was an increase. I promptly told them to fuck off... then switched to State Farm. Cost less than 1/3 what I had paid before the rate increase...

06-01-2012, 11:12 PM	#15
Rangerscott Viff6N Mutated Warrior Join Date: Mar 2009 Location: Texas Moto: '01 Honda VFR 800 & '09 ER-6N Posts: 8,704	I laughed when I got a progressive quote on just liability. It was more than what my ninja 250 cost.

06-02-2012, 10:13 AM	#18
Rangerscott Viff6N Mutated Warrior Join Date: Mar 2009 Location: Texas Moto: '01 Honda VFR 800 & '09 ER-6N Posts: 8,704	Its not much but allstate doesnt it show it as a santard or tourer.