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post #1 of 9 (permalink) Old 02-26-2004, 07:22 AM Thread Starter
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Angry Insurance

I have been trying to get a quote for insurance for an 04 zx 636 that I am going to get. they are frigien nuts with how high the rates are. I am 31 years old and have a great driving record and it is still over 1,000 dollers. so if any of you guys/girls could help me find lower insurance that would be great. thanks.
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post #2 of 9 (permalink) Old 02-26-2004, 07:36 AM
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From all of the numerous other insurance threads I have seen, it seems that State Farm has the cheapest rates. That being said, it depends on the area of the country you are in. I know for us they require us to have our car insurance, etc. with them before they will write a motorcycle policy (they do not write stand alone bike ones). I have heard others contest this, saying that they only have a bike and it is through State Farm. I've moved around a little within the country and have yet to find the place where State Farm allows this though.

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post #3 of 9 (permalink) Old 02-26-2004, 07:44 AM Thread Starter
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ya thats what they told me to. thanks
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post #4 of 9 (permalink) Old 02-26-2004, 08:19 AM
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I tried to get my motorcycle insurance through State Farm, and even though my home owners insurance is with them, they told me Progressive was the only M.C. Ins. carrier in Texas. I don't know if this is true, but Progressive was the only company I could find to insure my bike. My insurance is only liabilty now at $20 a month for my R6. When I first bought the R6 I financed it through my bank. And all the paper work was done before I even thought about shopping for full coverage. After paying $256 a month for full coverage for two months, I decided to dip into savings, screw the financing, and just pay the bike off. I was actually trying to re-establish my credit at that time. I would definatelly just pay cash for any bike in the future so you don't pay that high premium. That was $256 at the age of 26. Now that I'm 29 I am not sure that it would still be that high, but I still will not go through that again.

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post #5 of 9 (permalink) Old 02-26-2004, 10:19 AM
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That is another good point. Do you own your bike or is it financed? Almost every lien holder will require full coverage, while as an owner you can set what limits and coverage you want.

Perhaps State Farm requires an auto policy before they will write a bike one. Homeowners may not be good enough. Just a thought.

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post #6 of 9 (permalink) Old 02-26-2004, 08:59 PM
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At this point I only pay $80 Dollars a month full coverage with State Farm. The only thing is I have too be a secondary driver on my Dads truck in order for State Farm too insure me. I have a friend who worked for American Family in Utah and just for the hell of it she gave me a quote and it was well over $1500 for the year. Then again it might be cheaper in states where you can't ride all year long.
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post #7 of 9 (permalink) Old 02-27-2004, 04:05 AM
 
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I pay 190 a yr for full coverage, on a 2001 GSXR-750 with State Farm....I do have my auto with them too......I think they say you need the auto with them, but you really do not....but they can just refuse to write the policy. I actually had the bike insured for about 5 months with them, before I switched my auto over. I think the closest rate to them was about 890 a yr with All State.
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post #8 of 9 (permalink) Old 02-27-2004, 05:04 AM Thread Starter
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Thanks again you guys, I tried AJ Rosser they want 854.00 with 1,000 deductible I guess thatís not too bad (thatís a year). My girl friend has her ins. thru State Farm so she is going to check and see if she can get it cheaper.
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post #9 of 9 (permalink) Old 02-29-2004, 08:05 AM
 
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There is also Progressive. Not sure if it's cheaper but I do believe they'll do a standalne MC policy.

My quote for full coverage was $936, I'm 28 on a ex500 with 2 accidents (bad year they won't show by the time the policy renews) and a speeding ticket.
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