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post #1 of 33 (permalink) Old 04-05-2005, 02:51 PM Thread Starter
 
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Insurance Suggestions?

I'd like to get some advice on where to look for reasonable insurance for my ZX9. Any help is greatly appreciated.
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post #2 of 33 (permalink) Old 04-05-2005, 02:54 PM
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If you want full coverage, State Farm is usually good. You need to have your car policy with them before putting a motorcycle policy there.
If you only want liability, Progressive can be competitive at times.

-Mike
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post #3 of 33 (permalink) Old 04-05-2005, 03:03 PM
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do a quick search on the site. we've had several threads on this recently

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post #4 of 33 (permalink) Old 04-05-2005, 03:06 PM
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Ditto the search Check Country Companies also


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post #5 of 33 (permalink) Old 04-05-2005, 03:09 PM
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Quote:
Originally Posted by CHeYeNNe
Ditto the search Check Country Companies also

lol......you must get a refferal fee

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post #6 of 33 (permalink) Old 04-05-2005, 03:15 PM
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post #7 of 33 (permalink) Old 04-05-2005, 03:34 PM
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First define your needs, full coverage, state minimum, custom accessories, total replacement value, etc. Once you define your needs you'll be in a better position to get direct comparisons from vendors. Higher deductibles mean lower premiums too.

I don't advocate full coverage for bikes unless the bike has been financed. If you think you can keep from having the bike stolen don't insure it for replacement value, just liability issues. Keep in mind the area where you live and the crime rate of your respective suburb, city, village, or town.

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post #8 of 33 (permalink) Old 04-05-2005, 03:36 PM
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I called most of the insurance agent/company on the lake county yellow pages and found out national insurance is the cheapest I can find. I know state farm will be the cheapest but I don't want to move my insurance on my car and home by Allstate.
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post #9 of 33 (permalink) Old 04-05-2005, 04:02 PM
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Quote:
Originally Posted by pitbull76
If you want full coverage, State Farm is usually good. You need to have your car policy with them before putting a motorcycle policy there.
If you only want liability, Progressive can be competitive at times.
I'll second that. State Farm isn't too expensive and they're an A+ company. I had a bike stolen and had a check in hand two days later.

Believe nothing, no matter where you read it, or who said it, no matter if I have said it, unless it agrees with your own reason and your own common sense. ~ Buddha
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post #10 of 33 (permalink) Old 04-05-2005, 05:52 PM
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Check with a State Farm agent. It will be cheapest I'm sure of all the companies out there. At least this has been my experience.
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post #11 of 33 (permalink) Old 04-05-2005, 10:12 PM
 
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I went through a broker; Garrett Insurance, in Romeoville. They hooked me up with Universal Casualty for 900 a year, which was a lot cheaper than Progressive, Geico, or the other insurance companies I saw. I don't have a car to insure with State Farm.
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post #12 of 33 (permalink) Old 04-05-2005, 10:17 PM
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+1 on State Farm. But I do have my cars, my house with them along with both the bikes.

I have full coverage, $100 deductible for my 2004 ZZR600 for $323 a year. The only thing is that you can't cancel the policy during the off season but for $323 a year, who cares.

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post #13 of 33 (permalink) Old 04-05-2005, 10:18 PM
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Quote:
Originally Posted by RyderXS
I went through a broker; Garrett Insurance, in Romeoville. They hooked me up with Universal Casualty for 900 a year, which was a lot cheaper than Progressive, Geico, or the other insurance companies I saw. I don't have a car to insure with State Farm.
Hey Drew, how's you and your bike doin?

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Lord,
Grant me the Serenity to accept the fact that I can't pass them all,
The Courage to pass most...
And the Wisdom to hide the bodies of those who refuse to
GET THE HELL OUT OF MY WAY!!
"Number '69' All the Way!"
"GO NICKY HAYDEN!!!"

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post #14 of 33 (permalink) Old 04-05-2005, 10:54 PM
 
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DONT USE PROGRESSIVE! Ill use state farm next
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post #15 of 33 (permalink) Old 04-05-2005, 11:04 PM
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+1 state farm.

i only have my bike with them though..... $48 mo full coverage with medical

they even cover your bike at the track if you do track days.
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post #16 of 33 (permalink) Old 04-05-2005, 11:04 PM
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Quote:
Originally Posted by Zgradis
DONT USE PROGRESSIVE! Ill use state farm next
I've been really happy with State Farm's service but then again my family and I have been dealing with the same agent for almost 20 years. Never had a problem with them with anything.

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post #17 of 33 (permalink) Old 04-05-2005, 11:04 PM
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Progressive can be OK depending on your age and type of bike you have. It varies.

If your under 25 with a 600ss > to a liter sportbike, you'll pay up the ass.
statisics show a lot more claims or wrecked bikes.

I have State Farm, but have heard from people on Apriliaforum, Country Financial has good rates. www.countryfinancial.com
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post #18 of 33 (permalink) Old 04-05-2005, 11:48 PM
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hell i see nothing wrong with progressive for just enought coverage to stay legal, my bike only costs me $249/year and im 19 with a ticket(then again the bike is almost 10 years old)

Side note/question when it comes to liability only, why do they charge more on newer bikes...my '96 will do just as much damge as say an '05 if it slides into a car or whatever... probably more...mine weighs more

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post #19 of 33 (permalink) Old 04-06-2005, 08:42 AM
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did you try allstate? you mention that you have your car and the house there, also new this year they changed thier rules on bike insurance, so give'em a call too.

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post #20 of 33 (permalink) Old 04-06-2005, 10:04 AM
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Quote:
Originally Posted by Red96
hell i see nothing wrong with progressive for just enought coverage to stay legal, my bike only costs me $249/year and im 19 with a ticket(then again the bike is almost 10 years old)

Side note/question when it comes to liability only, why do they charge more on newer bikes...my '96 will do just as much damge as say an '05 if it slides into a car or whatever... probably more...mine weighs more

Josh
The big concern Josh, justifiable or not, is possible terminal velocity. The faster they go the more damage they cause, theoretically.

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post #21 of 33 (permalink) Old 04-06-2005, 10:05 AM
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Allstate covers bikes again now??


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post #22 of 33 (permalink) Old 04-06-2005, 10:39 AM
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+1 on State Farm

I pay $235/yr for full coverage on '04 R6 (26 and clean record*) with $500 deductible. This is after I totalled my previous bike and they payed out way more than I could've gotten by selling that thing before the crash.
Call my agent Kate and she'll hook you up (773) 685-9400

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post #23 of 33 (permalink) Old 04-06-2005, 10:43 AM
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Quote:
Originally Posted by YZFAlex
+1 on State Farm

I pay $235/yr for full coverage on '04 R6 (26 and clean record*) with $500 deductible. This is after I totalled my previous bike and they payed out way more than I could've gotten by selling that thing before the crash.
Call my agent Kate and she'll hook you up (773) 685-9400

damn, i'm in the exact same situation as you are, but mine is $575 year.....

maybe it's because in in the city and your in the suburbs? are you married or something?
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post #24 of 33 (permalink) Old 04-06-2005, 10:58 AM
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Clevis, I think it's really f#%^ed up but you pay a lot more for things in the city than in suburbs and insurance is no exception

one of the reasons I never moved to Chicago

also, I think their rates went up a little for folks who have coverage with them since '04 (I've started insuring with them in '02)

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post #25 of 33 (permalink) Old 04-06-2005, 11:09 AM
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Quote:
Originally Posted by YZFAlex
Clevis, I think it's really f#%^ed up but you pay a lot more for things in the city than in suburbs and insurance is no exception

one of the reasons I never moved to Chicago

also, I think their rates went up a little for folks who have coverage with them since '04 (I've started insuring with them in '02)

mine actually went down $100/ year this year. oh well, still way cheaper than any other company. I think i'm going to buy my house outside of the city for insurance purposes
and lets not forget about the city stickerfor trucks$150
i'd save $300 plus whatever my truck would be on insurance plus $150 on the sticker, and the house would be cheaper too.
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post #26 of 33 (permalink) Old 04-06-2005, 01:49 PM
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my insurance for a full year with full coverage...$276...through state farm...but i have 2 cars and my house with them also

...plus my gf was with me saying "omg slow down, slow down" and I was thinking "Lose annoying squalk box in passenger seat, afford more mods and have less weight in the car and on the back of the bike"...so i dumped her and I'm single again as usual...HERE KITTY KITTY!!!
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post #27 of 33 (permalink) Old 04-06-2005, 02:04 PM
 
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Seriously why would anyone recommend not getting full coverage???? Pretty much any accident in IL totals your bike by law, so for 50$ a month your better off with full coverage on the off chance that you do total your bike, it would take 12 years of insuarance payments before I would even consider liability only since it would take 12 years of insurance payments to make the replacement cost on my bike. I go with StateFarm $600 a year and I'm 24 so you do the math.
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post #28 of 33 (permalink) Old 04-06-2005, 02:18 PM
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Quote:
Originally Posted by Cephas
Seriously why would anyone recommend not getting full coverage???? Pretty much any accident in IL totals your bike by law, so for 50$ a month your better off with full coverage on the off chance that you do total your bike, it would take 12 years of insuarance payments before I would even consider liability only since it would take 12 years of insurance payments to make the replacement cost on my bike. I go with StateFarm $600 a year and I'm 24 so you do the math.
It really depends on you and your bike, Cephas (Doesn't Cephas mean rock?).

In most cases of Japanese sportbikes a year or two old, for the damage most companies total a bike, you could easily rebuild your bike without having spent that money on premiums. It's likely to cost you less. Some factors to consider, however, are where you live, how you ride, the proliferation of parts, etc.

I just crashed my bike in October and it cost me less than $250.00 to replace the right side fairing and blinker. I have a couple of cracks and a scuff to airbrush and that might be another fifty bucks to clean up. I do have full coverage on the bike because it was financed and there is still a balance due for the bike, to the bank.

Having worked in the insurance industry I can tell you that in most cases, unless you owe the bank for a loan and especially if your premiums go up after a claim which is likely to happen, it's less expensive to fix it yourself.

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post #29 of 33 (permalink) Old 04-06-2005, 03:44 PM
 
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I know it's less expensive to fix yourself, I was just refering to any accident that is reported would most likely total the bike in IL. Cephas actually means Peter which in turn means Rock in like 30 languages so your correct in a way. My name is Peter but online I usually go by something interesting and Cephas is from from a non-spoken language so I thought that was interesting, Pronounced Ki-Fa almost sounds greek. which I am wahoo
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post #30 of 33 (permalink) Old 04-07-2005, 10:45 AM Thread Starter
 
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Thanks for all the suggestions.

I will let you know what I find out.
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