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10 Posts
just wondering what everyone is paying for insurance, what is your age, riding experience and your location and provider? Especially interested in the riders from MA
insurance
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285 Posts
Hey, here's my stat's and scenario: I'm 19yrs. old from chicago, I've no traffic violations, my truck is insured with State Farm, and now my bike is insured w/ full coverage with state farm for almost exactly 100 dollars a month. Which statled me when he told me the monthly premium, because I pay $90/mo. for my 93 4x4 for just comprehensive. State farm will hook you up if you are a good driver. The catch 22 is this...the only way they'll insure a bike is if you have an auto insured with them as well. The longer you've been insured with them, the cheaper the rate. It would have been nearly $250 a month if I hadn't been previously insurered with them.
in addition, think about where you keep the bike at night. im in the chicago area as well, and before i even got to giving them my personal and bike info, they wanted to know if it was going to be kept in a garage, or some other type of shelter. insurance companies see motorcycles as a far bigger risk to insurance for theft, and of course accident reasons. insurance basics (good driving record, married, over 25).
other than that, just know its probably a lot cheaper to pay a few extra bucks and have it covered in the event of theft or accident, then not having it all.
other than that, just know its probably a lot cheaper to pay a few extra bucks and have it covered in the event of theft or accident, then not having it all.
I live in Newfoundland, Canada, have been driving bike for 19 years (35 years old) and full coverage on my '02 750 Katana cost me $540 Cdn. (and as soon as the snow hit, I switched coverage to my sled and got back $25).
For liability it's $86 Cdn. per year. :wink:
For liability it's $86 Cdn. per year. :wink:
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14,233 Posts
As I've posted elsewhere ...
Switzerland ... 40 years old ... clean driving record ... liability about CHF 255 / year (about the same in Candian $) ... full coverage including my bike, luggage and gear = CHF 1050 per year with a CHF 1'000 deductable.
Switzerland ... 40 years old ... clean driving record ... liability about CHF 255 / year (about the same in Candian $) ... full coverage including my bike, luggage and gear = CHF 1050 per year with a CHF 1'000 deductable.
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10 Posts
what about the guys in MA, im having a hard time finding something in MA all the big insurance companies seem not to provide for MA
West Virginia here. I'm 57, no accidents or tickets in 35 years, riding an '03 Marauder 800. I pay $231 a year for full coverage from Markel (www.bikeline-com).
I am 21, with several tickets, and a sports bike...
I had problems even finding a company that would be WILLING to insure me. I sure as hell cant afford full coverage...
but I was finally able to find a company that would insure me and I am paying 200 bucks a year, liability.
I had problems even finding a company that would be WILLING to insure me. I sure as hell cant afford full coverage...
but I was finally able to find a company that would insure me and I am paying 200 bucks a year, liability.
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1,288 Posts
I'm 21, pretty clean record and i pay about 1,000 a year full coverage with 1,000 deductible. It not a great rate but it's the best one I could get.
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