Can anyone recommend a good insurance company for motorcycles? I turn 19 on the 14th, i found my rate for progressive dropped almost $100 from 18-19yrs old, and its hard to find a good price especially on full coverage.
Call every single company you can find a phone number for!
I say this because you will find that the rates vary ALL OVER the map, from company to company, with no apaprent logic.
I am 51 years old, perfect driving record, and my quotes varied from a low of about $673 for full coverage with high coverage limits and a low deductible, to almost $3700 (!!) from one company that was particularly out ot lunch.
The best quote I got (might be very different for you) was from Nationwide Insurance. This was $100,000 / $300,000 / $50,000, with $250 deductibles on both comp & collision, for $673. I heard from a couple of people that they supposedly did better, but when I checked their coverage limits, they were lower limits than what I show above.
I think I would have gotten another few percent off if I had taken the MSF Experienced Rider Course BEFORE I bought the insurance. I took it after, and will ask about a discount upon renewal.
I think im gonna do everything i can to lower insurace, so far i will get the following for discounts:
1. MSF (10% discount, if you havent taken it, do so. some places give 20% discount for taking msf course)
2. Alarm (active ignition disableing)
Anything else i can do to lower insurance before i go witha company?
So far liability coverage is $472/yr , Comprehensive + Collision is $9840/yr, thats over $800 per month, even if i get in a accident it will most likely cheaper to fix it my self. Unless theres extensive engine damage. How much is new plastics ?(I plan on getting a copper set with '02 tank)
insurance is 1200 a yr for full coverage. I checked most places and went to an independent small dealer who checked his sources..... and i've got 3 points on my license for an at faualt accident with another accident reported that wasn't my fault. The insurance agent informed me that once you move beyond a 750 on sportsbike insurance rates go up drasticly..
However, mine was pretty much the same from 600/750/1300cc .I'm hoping its less when my points are removed
23 yrs old, 2 speeding tix last 2 yrs
* all quotes are for a year, not 6 months
$460CDN minimum coverage (PLPD or somethign)
didn't even ask how much full coverage was
$300CDN minimum coverage for my katana 750
$1500+CDN full coverage
but i think those numbers r real good seeing as my civic is $2200CDN minimum coverage, again, didn't ask how much full coverage was. altho my insurance rates would go down if i had continued coverage on the civic, i save too much driving the bikes all spring/summer/fall and only driving the car in the winter.
My newest quote from State farm is $71.00 / 6 mos liability only. Comp is another $123.00 / 6 mos
I think I'll go self insured on the collision. If I wreck it better be someone elses fault or if I was dumb enuff to crash on my own I better be willing to eat it. $11000 - Just my opion ... and I know more about my opinion than anyone - Kent