Insurance under 25y/o

**djb_yan** · 10-23-2007, 02:43 PM

i just wanted to see what kinda numbers we have across the board here and compare them so i can getta feel for some kinda range i'll be looking at come spring...so if your under 25 please chime in with the following:
Age:
Your bike (and its year):
Insurance Company:
Experience:
and finally
How much you pay/year:

clearly we all know the rates differ for numerous reasons and factors...just wanted to see for myself...thanks guys!

**wedginator** · 10-23-2007, 03:13 PM

Age: 22
Bike: 07 Kawi ZZR250
Ins Co.: State Farm
$$: $1K / yr (Liab only)
EDIT: I had no riding experience at all when i was insured.

**adri** · 10-23-2007, 03:51 PM

You're missing a key element here.
Something that really makes a different in insurance prices is experience. a 24 year old with no ridding experience will likely have a higher insurance rate then someone five years younger who's been on two wheels since he was 16.

terrible1 · 10-23-2007, 04:01 PM

Age: 22
Your bike (and its year): 2006 GSXR 750
Insurance Company: community savings
and finally
How much you pay/year: $700 full coverage collision, theft, fire, if i wanted 1000cc it would have been $50 more per year.
i had no prior riding experience, 3 minor speeding tickets no points.
Alberta insurance company alberta plated, im on vacation here in ontario for the riding season however... cough cough.....

Me : let's say i go on vacation, am i covered out of province? and for how long?

Ins agent: yes and for however long you are on vacation.

Alberta is a laid back province, i got my full license in 1 week also. $30 to plate my bike. If you want to put a car or truck on the road it does not need emission testing and no safety if it is 10 years or newer. And when you get insurance your age is not an issue, they look at your driving record instead they do not discriminate people under 25.

DeeCBR · 10-23-2007, 05:43 PM

Originally Posted by terrible1

Age: 22
Your bike (and its year): 2006 GSXR 750
Insurance Company: community savings
and finally
How much you pay/year: $700 full coverage collision, theft, fire, if i wanted 1000cc it would have been $50 more per year.
i had no prior riding experience, 3 minor speeding tickets no points.
Alberta insurance company alberta plated, im on vacation here in ontario for the riding season however... cough cough.....

Me : let's say i go on vacation, am i covered out of province? and for how long?

Ins agent: yes and for however long you are on vacation.

Alberta is a laid back province, i got my full license in 1 week also. $30 to plate my bike. If you want to put a car or truck on the road it does not need emission testing and no safety if it is 10 years or newer. And when you get insurance your age is not an issue, they look at your driving record instead they do not discriminate people under 25.

im gonna need a pm on this "insurance policy"
where do u list ur home as?

**djb_yan** · 10-23-2007, 06:37 PM

Originally Posted by adri

You're missing a key element here.
Something that really makes a different in insurance prices is experience. a 24 year old with no ridding experience will likely have a higher insurance rate then someone five years younger who's been on two wheels since he was 16.

absolutely...edit..please also include experience

**adri** · 10-24-2007, 02:54 PM

Age: 19
Your bike (and its year): 2005 Derbi Atlantis 50cc
Insurance Company: Royal & Sun Alliance
Experience: No experience/m1 rider prior to getting bike
How much you pay/year: $596