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post #1 of 5 (permalink) Old 02-26-2006, 06:06 PM Thread Starter
Join Date: Feb 2006
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i need some advice

I am a 19 yearold male from minnesota looking at getting my first sportbike. i have decided on a 2001 honda cbr600f4i. however i cant for the life of me find insurance cheaper that 3,000 a year. i have no tickets, no accidents. does anyone know of a company that may offer cheaper insurance?
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post #2 of 5 (permalink) Old 02-26-2006, 08:30 PM
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Location: Aurora, CO USA 80013
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Yeah, that's the real bitch for young riders. Insurance. Often, it's very easy to afford the bike payments, but the insurance premiums can be a dealbreaker.

$3000 does seem like an awful lot. All I can say is do a LOT of calling around. Open the phone book and call every agent from A to Z. If that doesn't work, maybe you'll just have to get a less "aggressive" bike with lower premiums. Maybe a Suzuki SV 650, Honda 599, Yamaha FZ-6 or something along those lines.
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post #3 of 5 (permalink) Old 02-27-2006, 04:52 AM
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I did alot of looking around down here( Louisiana) and all state has the cheapest for about 65 bucks a month. Granted it only liability, but I bought a bike almost 10 years older than yours. Im 20 , but I also have home and auto insurance through them. I have a hand full of speending tickets as well. I was looking at about 2600 for full coverage on a 98 cbr. Like he said , its a real bitch.
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post #4 of 5 (permalink) Old 02-27-2006, 05:37 AM
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Check with state farm if you havent already. Down here they dont consider bike classifications (cruiser, tourer, sport etc) just cc's. Of course it differs from region to region.

There is also a way to cheat the system. If you have some relatives/friends living in a small town BFE, register the bike at their address. Then insure it there, and your premiums should drop sagnificantly. Not sure how legal that is.

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post #5 of 5 (permalink) Old 02-27-2006, 06:52 AM
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If their asking that much a year you must be lookin at full coverage. If its your first bike, go with only the minimum required cuz your gunna hurt your bike and claiming it will only raise your insurance. Plus with the amount their asking you to pay you could get anouther bike if you total that one. Ive got just liability, which is all thats required in FL, and I payed $150 for the year and I'm 19. I got mine through progressive. Good luck.

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