[Phil]

Hey Everyone,
I am about to leave work so I will introduce myself monday.

I read how much some of you are paying for insurance and I am shocked how i edned up with a $1180 12 month price.
I am 25, in NY state (Long Island), have a 07′ shadow spirit 750 and my license for 1 month. I am single and basically in the most expensive bracket for insurance … but cmon! 1180??

Could you guys drop your details and price? Lets see if my insurance is realistic ….

PHil

[Dagger]

I went with Geico and didn’t go overboard on the insurance.. 15/30 with 1k deductable.. But included uninsured motorist, bodily injury, and theft.. For my 2002 V-Star 650 Custom I’m paying $295 a year.. That’s without my MSF course yet.. So it should go down when I take the course next week..

I just want to make it out of this life alive…

[bob250]

You should shop around. $1180 sounds a bit much. I’m paying around $400 a year with rape farm, uh I mean state farm. I didn’t shop around but I’m sure I could get it cheaper. Unless your driving record is in the crapper, you should look else where.

[Budd]

try progressive. They were cheapest for me.

“I am the best there is at what I do, and what I do ain’t nice.”-Wolverine

[Phil]

so weird ….
I did shop around! Geico beat progressive and esurance.
My driving record has one speeding ticket on it, but since I got the insurance online I was able to see what difference that ticket made.
Initially i was quoted something like $1020, and once they checked my record they upped it by $160.

I mean if I am paying 1.5 times as much as most people, I understand (new rider and all) but 3.5x !!!!????

[Budd]

I am on a Ninja 250 and I pay around $300 a year for full coverage.

“I am the best there is at what I do, and what I do ain’t nice.”-Wolverine

[Sangria7]

Aye…I paid $250 for full comprehensive for the full year.

It probably varies greatly from state to state with age, sex, record, and type of bike.

[Munch]

Seeing how my bike was under 10K (they concider it a credit card “luxury item”) and I am not required to have full coverage…. $75 a year. Not to mention under 900 cc’s.
The way I see it… I ride interstate 90% of the time…. if I lay her down (knock on wood it don’t happen) the bike is gone and I will be more concerned about getting out of traction.
I got enough to cover damages on the person or persons in my travel path…. but thats prettty much it.
I live back in the sticks and I work at an auto shop with the bike parked beside my 2 work bays….so theft is no worry. Sometimes it pays to be country :^) .

Yesterday is a memory, tomorrow is a prediction, but today…… is a Bi**h

[Phil]

300 for a ninja 250 !?!?!?!? I quoted that one and they offered me 2000+ !?!?!? wow whats wrong here?

[adrenalinerush]

i think i paid somewhere round 650 for liability ONLY on my gs500… given I’m 20, new rider, and a little wreck on my license im guessing this would probably have possibly been close to your 1100 on a 750 if you got full coverage (they charge more for more CCs) :o( insurance sucks!

[Andrew]

I’m only paying 200 for my Ninja. It all depends on your coverage, your deductible, your age, the bike and your driving record.

[MattN]

A large part of that is likely where you live. I lived in NY for 25 years ( most of my life ), and my insurance for my car was always sky high, even with a clean record. I would imagine bike is the same.. not to mention you living on long island is only going to make it worse.

I moved to NE and my neighbors both pay 1k+/yr for each of there Harley’s.

[Candice]

Your price quotes sound ridiculous. I went with Geico for a 650 and I pay $250.00 or so. You need to ask them why it is so high.

[Dagger]

Phil.. Yer doing something wrong.. I have a great rate with Geico and I’m in LA.. Either you’re getting WAY too much coverage or too low of a deductable..

Dagger

I just want to make it out of this life alive…

[Phil]

Here my limits ….
this is on a shadow spirit 750 c2

I had one speeding ticket which raised the total by about $150, I am 25 and have my license for 1 month now, single …. uhm what else .. perfect credit… and I even get a 10% discount bec my car is insured with geico also!

BODILY INJURY LIABILITY $100,000/$300,000 $377.00
PROPERTY DAMAGE LIABILITY $25,000 $80.00
RESIDUAL MEDICAL PAYMENTS 2M $82.00
SUPPLEMENTARY UNINSURED MOTORIST $100,000/$300,000 $191.00
COMPREHENSIVE $1,000 DED. $154.00
COLLISION $1,000 DED. $318.00
PED-PIP BASIC $10.00

Total Premium: $1212.00

Dagger, how do yours compare ?

[Author]

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