Literbike Blues, insurance help. - Chicagoland Sportbikes
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post #1 of 44 (permalink) Old 04-06-2007, 04:05 AM Thread Starter
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Literbike Blues, insurance help.

Who all do you go through for insurance, I just got blindsided by this lovely little joy of ownership:



A little bit more than the Speed Four, huh? C'est La Vie`, Gotta pay to play. I've checked out GEICO and they're at $2,500 for the year. I know everyone loves State Farm, but without a policy I guess they won't cover you, so any other ideas ladies and gentlemen? Thanks in advance!

Brian
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post #2 of 44 (permalink) Old 04-06-2007, 07:00 AM
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Try State Farm anyhow. Perhaps with two bikes it may be another story. Also, any other State Farm policy would work. When I first went with them I had some small life insurance policy that allowed me a discount. Can't hurt to call. You may be amazed at the huge discounts they give anyhow. They now have my car and condo insurance which they beat Allstate by a mile on price wise.

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post #3 of 44 (permalink) Old 04-06-2007, 07:24 AM
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State farm was way better than Progressive for my Z750. Progressive wanted $900/yr or so. State farm is $350/yr.

-Mike
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post #4 of 44 (permalink) Old 04-06-2007, 07:31 AM
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I cant believe there are people out there that dont know that you need to automaticialy move to state farm when you get a bike, just put your car with them as well and you will be fine. I pay 400 a year on my hog and 350 a year on the duc.




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post #5 of 44 (permalink) Old 04-06-2007, 07:52 AM
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That's sick man.


Try State Farm, great people.

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post #6 of 44 (permalink) Old 04-06-2007, 08:11 AM
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also try country companies. I pay like $150 a year for full coverage on my SV. granted it's an SV and it's not worth much...

<-- Chris

turn the bars left and go right; that just isn't right
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post #7 of 44 (permalink) Old 04-06-2007, 08:36 AM
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when I was shopping insurance for the Speed Triple (my first sportbike) I found progressive to be the worst of them all (I believe they are pretty cheap for cruisers though). Since I already had my Truck with State Farm I didn't have a problem. In the past though for a short time I was without an auto and State Farm dropped the coverage on my old cruiser (I still had renters insurance with them...so I think their requirement is for an auto policy). 12 month policy on my Triple is $680 (I live in Humbolt Park so I probably pay extra for that)....I'm probably a few years older than you too so that probably helps (with insurance rates that is )

...good luck!

- Frank
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post #8 of 44 (permalink) Old 04-06-2007, 09:13 AM
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I feel your insurance pain. I am willing to help you out, and trade you the Speed Four for the Daytona. Let me know. I will include the new installed tires, change oil and filter, and a correct title. I pay $281 a year for the Speed Four through American Family. My agent Michelle will hook you up. 815.293.3256. Tell her I sent you, she loves bikes. She might even tip you off to my next purchase. Progressive was by far the most expensive, btw.

Last edited by Dave13; 04-06-2007 at 09:16 AM.
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post #9 of 44 (permalink) Old 04-06-2007, 09:36 AM
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Country Companies aka Country Financial


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post #10 of 44 (permalink) Old 04-06-2007, 09:40 AM
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I guess, Progressive charges by bike type, not by displacement, State Farm - only by displacement, hence, cruisers, touring and sport-touring bikes are cheaper at Progressive, sportbikes are cheaper at State Farm. When I was moving my cars from Progressive to State Farm, even with multicar discount, State Farm could not match the rate I got from Progressive on my ST1300.
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post #11 of 44 (permalink) Old 04-06-2007, 09:44 AM
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Quote:
Originally Posted by HDTony View Post
I cant believe there are people out there that dont know that you need to automaticialy move to state farm when you get a bike, just put your car with them as well and you will be fine. I pay 400 a year on my hog and 350 a year on the duc.

Exactly Tony. Progressive won't help you at all with a sportbike. For companies with good rates on Sportbikes


State Farm

Liberty Mutual

Country Financial

GMAC

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Quote:
Originally Posted by Kegger View Post
"Ride it like you have 30 monthly remaining payments" should keep most people out of trouble.
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post #12 of 44 (permalink) Old 04-06-2007, 10:05 AM
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ditto on the state farm tip. I have em and pay $360 a year and im 25 and single. The onylt hing state farm wont give you is medical. Thats why they are cheaper, everybody else is covering your medical expence

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post #13 of 44 (permalink) Old 04-06-2007, 10:19 AM
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State Farm for me as well. I pay $350.00 a year, and that is for a $100 deductable on collision and a $0 on comp. State Farm goes by age on motorcycles, my agent told me at my age it didn't matter the engine size or type of motorcycle, the price would be the same.

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post #14 of 44 (permalink) Old 04-06-2007, 10:22 AM
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State Farm all the way. I pay 325 for the gixxer and 270 for the RR. Me and the wife are both 26. Big discount after turning 25.

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post #15 of 44 (permalink) Old 04-06-2007, 10:33 AM
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Umm did anyone mention SF?

$100K/$300k/$100K coverage with $250/$250 deductible. Single male.

Paid : $325 for my 2005 600RR, and when I had my 2005 R1, it was just under $500 a year

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post #16 of 44 (permalink) Old 04-06-2007, 11:02 AM
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im suprised no one mentioned allstate.


Call up a dood named gene have him run you thru as:

AMA Member (if you do get allstate spend teh 30$ and join them, its a good cause anyways)

Experianced rider discount, (say your part of multiple clubs and been riding for years)

and see what he says. he helped me out quite a bit so he is worth my recomendation

630-369-1191

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post #17 of 44 (permalink) Old 04-06-2007, 11:08 AM
 
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State farm, and shove the fork tubes up to compensate
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post #18 of 44 (permalink) Old 04-06-2007, 11:14 AM
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I guess you can always go with State Farm to compensate

-Mo
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post #19 of 44 (permalink) Old 04-06-2007, 11:15 AM
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Simple answer, turn 35, be married, have a house and have all your stuff insured by the same company. Then you'll pay $200 a year for full coverage.

Some of these guys forgot to tell you that part. My insurance company gets money for my house, 4 cars, and 3 quads. Yeah, it's cheap for anything added to my policy now.

Until the above happens to you, get liability and pray.

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Last edited by OldSkoolMC; 04-06-2007 at 11:18 AM.
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post #20 of 44 (permalink) Old 04-06-2007, 11:37 AM
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Quote:
Originally Posted by Silentalero View Post
ditto on the state farm tip. I have em and pay $360 a year and im 25 and single. The onylt hing state farm wont give you is medical. Thats why they are cheaper, everybody else is covering your medical expence

Country Co gives you $10,000 medical and was cheaper then SF for me


Allstate used to have sportbikes blacklisted.


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post #21 of 44 (permalink) Old 04-06-2007, 12:10 PM
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Call Mike Callahan at State Farm. 773-685-9400. I pay $467 per year for my 2007 CBR1000 with full coverage, $500 deduct with payments of

$100,000/300,000/100,000

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post #22 of 44 (permalink) Old 04-06-2007, 12:48 PM Thread Starter
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Quote:
Originally Posted by FiReBReTHa View Post
im suprised no one mentioned allstate.


Call up a dood named gene have him run you thru as:

AMA Member (if you do get allstate spend teh 30$ and join them, its a good cause anyways)

Experianced rider discount, (say your part of multiple clubs and been riding for years)

and see what he says. he helped me out quite a bit so he is worth my recomendation

630-369-1191
Gave this a shot, still waiting to hear back from others, he's at $4,438 for coverage. Why is this so fucking expensive? I've gotten one ticket in my whole life and it was for 8 mph over! No accidents EVER (on my record). I'm still waiting to hear from Country and State Farm, thanks for the recommendations guys. Do most of you have liability only or full coverage? This really confuses me, why the 2002 Speed Four was at $650 for the highest possible coverage and I'm at $2000-4500 for a bike that's only 2 years newer and 50 more hp.


$561 with State Farm if I get them to do my auto insurance as well. The amount of money I stand to SAVE by switching to SF will more than pay for my insurance for everything for at least 3 years. What a screwed up industry insurance is. Doesn't make any sense.

Brian
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Last edited by SmartDrug; 04-06-2007 at 12:54 PM.
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post #23 of 44 (permalink) Old 04-06-2007, 12:52 PM
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state farm for the win! i've never paid more than $350 a year for full coverage, including my liter bikes (r1, rsv-r, gsxr). I was under 25 and single for the R1!

Chris
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post #24 of 44 (permalink) Old 04-06-2007, 12:54 PM
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HoLy crap!


wow, 1liter hurts.

you can almost buy half a new bike for that yearly cost!

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post #25 of 44 (permalink) Old 04-06-2007, 12:56 PM
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Quote:
Originally Posted by SmartDrug View Post
Gave this a shot, still waiting to hear back from others, he's at $4,438 for coverage. Why is this so fucking expensive? I've gotten one ticket in my whole life and it was for 8 mph over! No accidents EVER (on my record). I'm still waiting to hear from Country and State Farm, thanks for the recommendations guys. Do most of you have liability only or full coverage? This really confuses me, why the 2002 Speed Four was at $650 for the highest possible coverage and I'm at $2000-4500 for a bike that's only 2 years newer and 50 more hp.

I have full coverage with a $500 deductible from Liberty Mutual, cost me 430 for the year. One ticket in the last three years, no accidents, 25 and single.

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Quote:
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"Ride it like you have 30 monthly remaining payments" should keep most people out of trouble.
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post #26 of 44 (permalink) Old 04-06-2007, 02:46 PM
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If you are a military dependant, or had been you can try USAA. They are definately the cheapest when it comes to any insurance.

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post #27 of 44 (permalink) Old 04-06-2007, 07:29 PM
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Pekin insurance is also cheap to insure bikes.

State farm, may be great for people, but every time I get a quote for house, 3 cars it alway is a lot higher then what I pay Allstate.

Jon
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<---- Useless

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post #28 of 44 (permalink) Old 04-06-2007, 08:50 PM
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post #29 of 44 (permalink) Old 04-06-2007, 09:12 PM
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Give Ed Otto of Green Light Insurance Agency a call.
6965 North Western Avenue, Chicago, IL 60645
(773) 761-8800

He specializes in motorcycle insurance.
He is probably your best bet for motorcycle insurance.
I highly recommend him.
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post #30 of 44 (permalink) Old 04-06-2007, 09:39 PM
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Don't feel like reading every post, here. so this may have been said. Try State Farm with a renters ins policy and then moto. Renters should run you maybe 100 year. State farm goes by displacement though, so a Kawi concours would be the same as a ninja 10r. good if your into sportbikes.
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