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

[Enjoi]

I believe that State Farm requires that you be fully G licensed AND have five years of car experience to be eligible for motorcycle insurance. If you qualify for SF, then then might be cheaper than the competitors for your first year of riding; however, next year (after obtaining one year of motorcycle experience) Jevco will almost certainly be cheaper on the bikes you have chosen.

Most likely, State Farm or Jevco will be the cheapest for you this year, but be sure to quote with other companies as well, just in case.

Thank you,

I put my deposit down on the CBR with A conditional Sale agreement. I told him if I cannot get insured then I have a right to refuse delivery of the bike. He said thats fine. (I Work for a dealership so I know exactly the things to say lol)

I`ll keep phoning and phoning and see what happens

[buttarcup]

WOW. Kudos on the awesome thread, thanks!

[VifferFun]

WOW. Kudos on the awesome thread, thanks!

No problem

If anyone receives a rate that disagrees with the trees, please let me know.

[gixxer93]

On the flow chart it divides motorcycles into Sport and non-sport, where would a sport bike older than 1995 go?
Don't sport bikes lose their classification (and the 425% surcharge) turning them into standard bikes after this period?

[VifferFun]

On the flow chart it divides motorcycles into Sport and non-sport, where would a sport bike older than 1995 go?
Don't sport bikes lose their classification (and the 425% surcharge) turning them into standard bikes after this period?

In the tree, you follow the "1994 or older" branch. Jevco (and many other insurers) do not surcharge older SS bikes. I think my chart should now use 1995 as the "magic year", because I think it has changed since I made the chart.

[bignloud1]

question deleted.

[Alex_San]

Maybe I'm blind or too tired...but where can I find the decision trees?
Thanks...

**found it...photobucket blocked, using a diff. network fixed it, sorry for the useless noise**

[kiterider]

Awesome thread btw!!!

I'm not sure if you want to add Allstate to your decision tree for cruisers. I use them for my cars and found them much cheaper than statefarm. I know they take monthly premiums. I did ask them about insuring my bike, but they'll only insure you if you have a full M and a cruiser, but no SS for sure. Not sure about the age of if they'll insure sport-touring, dual sport or other non SS types.

[VifferFun]

Awesome thread btw!!!

I'm not sure if you want to add Allstate to your decision tree for cruisers. I use them for my cars and found them much cheaper than statefarm. I know they take monthly premiums. I did ask them about insuring my bike, but they'll only insure you if you have a full M and a cruiser, but no SS for sure. Not sure about the age of if they'll insure sport-touring, dual sport or other non SS types.

Pretty much any company will be cheaper than State Farm for cruisers. Allstate is kind of lumped into my "OTHER" category, unless it's discovered that they are cheaper than the competition for a specific segment?

[Ziploc]

I've been looking at Bandits now for a while for a few reasons,

Low insurance
Classic naked I4 looks
Not actively trying to kill new riders

I've given up on looking for ~1992 Bandit 400s due to their rarity and age. So I've been looking at newer ~2002 Bandit 600s instead.

I'm 25, driving and insured as early as I could be. One 10km/h over infraction. M2 for almost 4 years with no insurance policy ever applied. (Only now getting around to buying a bike)

I've quoted everyone I could online and such. So far TD MM with the prefered rate from work was the cheapest at the mid-high 900$ range per year. Only ~200$ difference per year between the 19 year old 400cc and the 9 year old 600cc.

Everything sound right here? How quickly does the insurance go down after being insured for a few years? I've heard of people insuring Bandits for ~450 a year. I haven't been able to get a StateFarm quote yet due to them only doing walk-ins. And not doing over the phone/internet quotes for motos.

[VifferFun]

I've been looking at Bandits now for a while for a few reasons,

Low insurance
Classic naked I4 looks
Not actively trying to kill new riders

I've given up on looking for ~1992 Bandit 400s due to their rarity and age. So I've been looking at newer ~2002 Bandit 600s instead.

I'm 25, driving and insured as early as I could be. One 10km/h over infraction. M2 for almost 4 years with no insurance policy ever applied. (Only now getting around to buying a bike)

I've quoted everyone I could online and such. So far TD MM with the prefered rate from work was the cheapest at the mid-high 900$ range per year. Only ~200$ difference per year between the 19 year old 400cc and the 9 year old 600cc.

Everything sound right here? How quickly does the insurance go down after being insured for a few years? I've heard of people insuring Bandits for ~450 a year. I haven't been able to get a StateFarm quote yet due to them only doing walk-ins. And not doing over the phone/internet quotes for motos.

Did you try a Jevco broker yet? And a good State Farm agent will quote you over email or phone. I've been with my agent for three years and have never been into their office or talked to them over the phone -- 100% email.

[Ziploc]

I called two. Both told me to come in. Figured it was statefarm policy or something. I'll email a bunch of them and check out Jevco too. Thanks!

[TwistedKestrel]

Did you try a Jevco broker yet? And a good State Farm agent will quote you over email or phone. I've been with my agent for three years and have never been into their office or talked to them over the phone -- 100% email.

Your broker didn't ask you to come in for pictures of the bike?

[VifferFun]

Your broker didn't ask you to come in for pictures of the bike?

My agent is two hours away. I just took digital pics and emailed them. I just replaced my car and they didn't ask for pics.

[architect]

Just want to let everyone know that if you fall under S19 (No G license) then Riderplus is a GREAT option. They quoted me $1400 compared to Statefarms 1200. This is especially useful for those without a G, such as me.

EDIT: To clarify, StateFarm requires G license. So that's why Riders is a great option.

[rafiki911]

Just want to let everyone know that if you fall under S19 (No G license) then Riderplus is a GREAT option. They quoted me $1400 compared to Statefarms 1200. This is especially useful for those without a G, such as me.

lol you need a coffee... they quoted you more and its great? I went with them as well and got the same quote as you, but I just got my renual stuff in the mail and its saying $1300???

Edit: Never mind I just read your other thread.

[VifferFun]

Just want to let everyone know that if you fall under S19 (No G license) then Riderplus is a GREAT option. They quoted me $1400 compared to Statefarms 1200. This is especially useful for those without a G, such as me.

EDIT: To clarify, StateFarm requires G license. So that's why Riders is a great option.

Thanks -- I have added Rider's Plus to S18, S19, and C6 as a company worth quoting with.

[peterventure]

Try Riders Plus - I got my renewal and it was only $469 for the year. 2010 GS500F.
That is for liability and thef only. They do not insure any GSXR of RR sport bikes.

[rafiki911]

Going with State Farm this year and combining my car with it. $800 for the bike with SF.

Try Riders Plus - I got my renewal and it was only $469 for the year. 2010 GS500F.
That is for liability and thef only. They do not insure any GSXR of RR sport bikes.

[rider1106]

I am with StateFarm right now, I have my car and bike on the same policy. The motorcycle comes to $39.50/month (474 / year).

- Clean record
- 25 years old
- 2010 ninja 250r (purchased new) -- no mods
- I might still have a 'good student' discount on file from university which they said I can keep on
- M2 license for 16 months now