READ BEFORE POSTING: Which Insurance Company will give me the best rate???

**qaz393** · 07-10-2010, 08:48 AM

hey VIFFER,

i cant find the rules where what insurance company can use to determine ur rates such as 3 years of conviction and 6 years of at faults. can u give me a link ??

Thanks

**VifferFun** · 07-10-2010, 06:17 PM

Originally Posted by qaz393

hey VIFFER,

i cant find the rules where what insurance company can use to determine ur rates such as 3 years of conviction and 6 years of at faults. can u give me a link ??

Thanks

I don't know of any link.

Minor Convictions stay on your MVR for 3 yrs. Most companies (with the exception of State Farm) don't surcharge for the first conviction, but surcharge by about 10% for each additional minor conviction.

Major Convictions stay on your MVR for 3 yrs. Most companies surcharge by about 25% to 50% for each major.

Criminal Convictions stay on your MVR for 3 yrs. Most companies surcharge by about 50% to 100% for each criminal conviction.

At-fault collisions stay on your record for six years (but the impact to your premium diminishes with each year that you remain claims free after the incident).

Not-at-fault collisions don't affect your premium whatsoever.

**anterabae** · 08-13-2010, 10:32 AM

Wow, thank you for putting so much work into this! And for making it so simple. I love the link you added for beginner bikers too, was a great justification for me to give someone who's trying to get me on a 600CC Sportsbike as my first bike.

**VifferFun** · 08-13-2010, 01:31 PM

Originally Posted by anterabae

Wow, thank you for putting so much work into this! And for making it so simple. I love the link you added for beginner bikers too, was a great justification for me to give someone who's trying to get me on a 600CC Sportsbike as my first bike.

No problem

**deejizzle** · 08-29-2010, 06:37 AM

s15/s16

how serious are brokers/insurance companies about checking your history?

to make this easy

i plan to get my motorcycle first thing next riding season

had m1 in spring, went on vacation, it expired. going to get m1 again, get m2 before end of riding season. get bike and insurance in 2011.

thanks in advance!

**VifferFun** · 08-29-2010, 10:04 PM

Originally Posted by deejizzle

s15/s16

how serious are brokers/insurance companies about checking your history?

I'm not sure what you mean? All new business will be checked for previous insurance, claims, and convictions histories before being written by an insurance company.

Originally Posted by deejizzle

to make this easy

i plan to get my motorcycle first thing next riding season

had m1 in spring, went on vacation, it expired. going to get m1 again, get m2 before end of riding season. get bike and insurance in 2011.

thanks in advance!

If you want to get Jevco's "experienced" rate, you will have to wait until one full year has elapsed from the time that you got your M1/M2 for the second time. In other words, you would have to wait until the end of next season.

**Shane McCarthy** · 09-20-2010, 10:42 AM

Hey Viffer,
This is definitely one of the easier way of getting people to understand bike insurance, very straightforward. Nice work.
SM

**jaymurr** · 01-11-2011, 08:21 PM

Potentially a stupid question:

Sport or SuperSport: 600cc

Follow the >600cc or <600cc path?

**VifferFun** · 01-12-2011, 01:18 PM

Originally Posted by jaymurr

Potentially a stupid question:

Sport or SuperSport: 600cc

Follow the >600cc or <600cc path?

Generally speaking, it is a SS if the displacement is greater than or equal to 600CC; however, you should bear in mind that the displacement will almost always round up. For instance, if your bike has 599CC, it will still be classed as a SS. If you think the bike is a SS and it has close to 600CC, in all likelihood it's classified as a SS.

The Jevco Blacklist will give you a pretty good idea of whether or not your bike is considered a SS:

http://cmgonline.com/index.php?optio...893&Itemid=349

**jeero** · 02-19-2011, 12:36 PM

Your attachments on your original post are showing up as "broken" for me, not sure if it's the same for others.
Could you please repost them if possible?
*edit* Nevermind it's because I am behind a proxy that blocks photobucket. I see it from a different network.

I have been riding someone else's bike most of summer 2010 and completed RTI training in summer 2009.
I now have a 93 Suzuki GSX1100F (Katana) that I got for free, just needs a bit of work to pass safety.
I have one major ticket on my license that I got with my Mustang a few years ago, due to fall off at the end of june 2011.