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Discussion Starter #1
Whats up guys-
Im in the process of getting a 02 R6. I CANT get
insurance for a reasonable price. I CANT GET IT CUZ
"I havnt been riding for more then 3 years!" or its just
like $3-7k a year. WTF? I live in cali, What do I do?
I heard a lot of things about state farm-3 yrs exp..
the cheap ins. places rip me off.....

well any help would be nice.
p.s. Im 20.
McBride61

RIDE IT LIKE U STOLE IT!!!
 

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Im 20 also, Farmers is the best, and if you can put the bike in somones name that is over 25, or you will be paying <font color=red>3-4 Gs a year</font color=red>

 

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just keep looking. Also if you can see what you can get for comprehensive coverage. It covers everything except collision, which is where they get ya. I am almost to the 3 year mark and then i can get USAA and i will only be paying around 350 a year for full coverage.

redCBR


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One of the reasons to start with standard bikes. 16-25yr old new riders on sportbikes generally really take it in the ass with rates. Either keep looking for a decent rate (if you can get it for less than $1500 take it) or buy a non hyper-sport model and wait a few yrs. My first bike I paid $25/yr liability for a old bike I rode for 2 yrs.

YZFRob

97 YZF750R7
93 CBRF2 sponsored by TrickTape
 

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Yeah YZFRob has a good point. Maybe look at an SV650S, good bike to learn on and insurance will be pretty reasonable, even for full coverage.

redCBR


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Here's a thought for you... when I was 16 back in 1982, my dad bought a Kawasaki 440. That's the bike I learned to ride on, even when he sold it a few years later, I still kept my cycle endorsement on my Michigan drivers license.

I bought my first bike last year, but have kept my cycle endorsement all these years, even after moving down to Georgia and getting a GA driver's license...

I also have USAA insurance, they asked me how many years I've ridden and I told them 20... after all, I back that up driver's license records...

My point is, they just asked how many years I've ridden... I could have told them any number... I got the impression that there was no way for them to actually check? Else, why'd they ask in the first place?

Besides, even if you never had a cycle endorsement on your license... what if you rode dirtbikes on the family farm for 10 years?


M.

 

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actually i did ride dirtbikes on a farm for quite a few years, but usaa checks with your drivers liscence number. I know because i just got that quote from USAA.

redCBR


Fly N LOW
 

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i'm with state farm. $1200 for the year, 24 (turning 25 next week, hope thta helps lower the number) full coverage. i also live in cali. just shop around. geico gave a really good quote too.

<font color=blue>Dude...Hoof Hearted?</font color=blue>
 

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I've been riding for more then 2 years, I have a Daytona with 955cc's. I only have a permit and I just payed $509 for the next 5 month. Then after that, they are goin to bill me $1400 but can be paid in monthly installments. I went through Sullivan and Sullivan. I'm also in California.
 

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I was calling around about insurance this week. Here's how it stacks up for me (1 ticket, last summer, speeding on my ride). 29 and married:

Allstate 450/yr
State Farm 490/yr
Farmers $290/yr

I am currently with Allstate, and would have switched, but both SF and Farmers wanted about $1000/6 months for my Expedition and 626. It wasn't worth it. Allstate is $700 for my cages.

If you have tickets, don't even look at dairyland, progressive (last quote, before ticket was $4000 for my r1), or gieco (not old enough).

I would respectfully suggest you look at other performance bikes. The R6, R1, F4, Gix 6 are not going to be your friend at all. The lesser 6's may not help either. But, check insurance before you get your bike.

You might want to look into prices for some other bikes. I might get flamed, but look into the yzf6, katana 6, ninja 6, or even some naked bikes. Insurance companies don't mind naked bikes as much.... Just some thoughts.
 

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wow I feel for you guys 25yrs old 1 point on licence 2000 R6
just over 200.00 a year full coverage 250.00 deductable no deduc. if accident is not my fault or bike gets stolen.
 

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"Reasonable" insurance... who knows what that is.

I thought $2k/yr full coverage for my R1 was reasonable given my experience, but my carrier Sullivan & Sullivan just swapped underwriters and suddenly it went from $1800 (10% MSF discount) to $2600 a year. In other words, if you're under 25, have a pair of testicles and no wife, just be prepared to take it up the ... you get the picture.

If you're driving record isn't too bad, you can get some decent rates from places like GMAC and state farm... unfortunately I believe All-State has stopped covering motorcycles like the r6 in california (unsubstantiated).
 

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Sometimes you can just get lucky. I had car insurance with a small State Farm office and when I called them and told them that I had a bike they didn't even know what to do. They said that they didn't have any other ducati's and weren't sure how to quote it. All they asked was the price of the bike, not how many years I had rode which was zero. I pay about 450.00 for six months and full coverage. But I have heard that ducati insurance is lower because there are less of them to wreck on the road helping the stats.

Slickchik
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I just switched, here are the quotes I got, mind you I have been riding for 3 years, 32 years old and only 2 points. I added car insurance and renters for multi-rate discounts. I also live in a very safe zip code.

State Farm- $458
AAA - $567
Progessive - $1326 (They are nuts)
Allstate - $628

All for 12 months and 200/300 deductables.


Triumph Sprint ST
 

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YZFRob is right. It is cheaper to start with standard and get some experience, then get something more sporty. I would shop around for a while for rates. I got a really good rate with Geico, but I am not sure if they will insure you if you don't have any experience.

<font color=red>2002<font color=red><font color=black>R6<font color=black>
 

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What I dont get is, when I had my 75 CB360T for 2 yrs, I had just as much fun riding it as I do with my YZF now. Granted it didnt corner like the YZF or have any top end, but it was a MOTORCYCLE. Hell ride a standard for 1-2 yrs at least. Sportbikes most likely will still be around in a year or two. Hell if everyone did that we might not be getting some of the psycotic quotes from some insurance co. (emphasis on the word 'might')./images/icons/laugh.gif

YZFRob

97 YZF750R7
93 CBRF2 sponsored by TrickTape
 
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