BirdWoman 0 #1 January 28, 2008 Does anybody have a newer street bike and a reasonable insurance company to go with it? I am looking at getting a newer bike (either a 2006 R6 or an 06-07 gixxer 600) and need to find a new insurance company. I got a quote from Geico and they quoted me at $3600/year . Any suggestions?"I don't know where it is that I'm going, but wherever it is there I'll be!" --quoted by me Quote Share this post Link to post Share on other sites
wmw999 2,588 #2 January 28, 2008 I've been using Progressive for years. You might want to try with an agent, and not just through the website. Wendy W.There is nothing more dangerous than breaking a basic safety rule and getting away with it. It removes fear of the consequences and builds false confidence. (tbrown) Quote Share this post Link to post Share on other sites
Remster 30 #3 January 28, 2008 www.bike-line.com Edit: I ran an R6 using my stats on Bike Line, didnt change any of the proposed options but declined optional coverage (the Choose One boxes), and got $935 annual rate. YMMVRemster Quote Share this post Link to post Share on other sites
LeatherNeck5931 0 #4 January 28, 2008 Only thing i could tell ya is to only have liability. I was in the same position, except they wanted like 7k per year for insurance. Only liability isn't too bad though...just gotta make sure ya dont lay it down Quote Share this post Link to post Share on other sites
BirdWoman 0 #5 January 28, 2008 If I get the gixxer it will have to be full coverage as I will have to finance it. If I get the R6 then I can do whatever because I will be buying it from a friend and making payments to her rather than a bank."I don't know where it is that I'm going, but wherever it is there I'll be!" --quoted by me Quote Share this post Link to post Share on other sites
ChangoLanzao 0 #6 January 28, 2008 Quote Does anybody have a newer street bike and a reasonable insurance company to go with it? I am looking at getting a newer bike (either a 2006 R6 or an 06-07 gixxer 600) and need to find a new insurance company. I got a quote from Geico and they quoted me at $3600/year . Any suggestions? I use Progressive ... no complaints. The thing I like the most about them is that I can do all my business with them online. I have two Harleys insured currently. (Damn! Now I got myself thinking about riding ... It's too fucking cold out there ) Quote Share this post Link to post Share on other sites
AggieDave 6 #7 January 28, 2008 Holy god! I'm glad I ride a cruiser, I couldn't afford the insurance for a sport bike like that! I've used Dairyland (crap), Progressive (ok) and Geico (ok so far). Dairyland was pretty cheap, but odd to deal with. Progressive and Geico are about the same and about the same price. I just had some problems with Progressive's auto-payment options and my bank for some goofy reason. So far so good with Geico.--"When I die, may I be surrounded by scattered chrome and burning gasoline." Quote Share this post Link to post Share on other sites
BirdWoman 0 #8 January 28, 2008 Right now Progressive is quick-quoting me less than Geico...odd since it was the other way around with the bike I have right now. Oh well. I wonder how much of a difference it makes if you say it the bike is for WORK rather than pleasure.."I don't know where it is that I'm going, but wherever it is there I'll be!" --quoted by me Quote Share this post Link to post Share on other sites
Mayberry 0 #9 January 28, 2008 Quote I use Progressive ... no complaints. The thing I like the most about them is that I can do all my business with them online. I have two Harleys insured currently. Same here! So far I have no complaints, pretty happy with them. It's supposed to be in the high 40s / low 50s here tomorrow, I think I'll ride to work. Don Here's to friends! Quote Share this post Link to post Share on other sites
ChangoLanzao 0 #10 January 28, 2008 Quote Quote I use Progressive ... no complaints. The thing I like the most about them is that I can do all my business with them online. I have two Harleys insured currently. Same here! So far I have no complaints, pretty happy with them. It's supposed to be in the high 40s / low 50s here tomorrow, I think I'll ride to work. I hate you. Quote Share this post Link to post Share on other sites
Mayberry 0 #11 January 28, 2008 Don Here's to friends! Quote Share this post Link to post Share on other sites
Squeak 17 #12 January 28, 2008 Quote Right now Progressive is quick-quoting me less than Geico...odd since it was the other way around with the bike I have right now. Oh well. I wonder how much of a difference it makes if you say it the bike is for WORK rather than pleasure.. it generally cost significantly MORE if it's a works ride. My insurance just went up from 300 per year to about 600 per year, BastardsYou are not now, nor will you ever be, good enough to not die in this sport (Sparky) My Life ROCKS! How's yours doing? Quote Share this post Link to post Share on other sites
LongWayToFall 0 #13 January 28, 2008 Go with State Farm. It is always the cheapest, FWIW. Also, why do you want an almost brand new 600? kinda retarded, unless all you care about is being stunna. There are lots of great bikes that are a bit older, and I can promise that you will never need the advancements of a brand new bike. Also, light weight fairings and parts mean they break that much easier, and parts are EXPENSIVE on bikes nowadays. So I hope you have lots of money to spend when you drop your bike, even if you aren't moving and just set it down, its gunna be almost a $1000 of damage. Whatever you end up riding, keep it safe and rubber side down!! Quote Share this post Link to post Share on other sites
kelpdiver 2 #14 January 28, 2008 QuoteIf I get the gixxer it will have to be full coverage as I will have to finance it. If I get the R6 then I can do whatever because I will be buying it from a friend and making payments to her rather than a bank. With rates like those, it doesn't make sense to have such coverage. You could buy a bike with 2-3 years in premiums. A bit surprising for a woman with a few years (?) of experience already. And quite a friend if she will let you pay as you go. Meanwhile, liability only on my 140hp 1995 Daytona 1200 runs just over 200/year for 100k liability. (California, 21th Century. Oddly, Geico was cheaper for the car, making me switch, but 21st was better for the bmw and the Triumph) Quote Share this post Link to post Share on other sites
LisaM 0 #15 January 28, 2008 We had my husband'ns 2000 R1 on our State Farm and it wasn't outrageous like that. We had it piggy backed with the 2 cars and probably got a discount too. ~ Lisa ~ Do you Rigminder? Quote Share this post Link to post Share on other sites
normiss 897 #16 January 28, 2008 fucking donor bikes are 'spensive on insurance! or your driving record is..umm...well, you know.My 05 HD with 5k accesories coverage added, $550/year with Geico. It was very little more with Progressive. but I'm an old fuck... Quote Share this post Link to post Share on other sites
sickandtwisted 0 #17 January 28, 2008 QuoteGo with State Farm. It is always the cheapest, FWIW. Also, why do you want an almost brand new 600? kinda retarded, unless all you care about is being stunna. There are lots of great bikes that are a bit older, and I can promise that you will never need the advancements of a brand new bike. Also, light weight fairings and parts mean they break that much easier, and parts are EXPENSIVE on bikes nowadays. So I hope you have lots of money to spend when you drop your bike, even if you aren't moving and just set it down, its gunna be almost a $1000 of damage. Whatever you end up riding, keep it safe and rubber side down!! This is good advise. I use State Farm for my 2004 RC-51. Also, a used bike is the way to go. I just helped a friend of mine put a R-1 back together after laying it down on track day & it took over $1,000 to replace the plastic. And that was using aftermarket parts not factory. Have someone who knows what they are doing tune the suspension (the factory settings are what led my friend to low-side at the track). If the bike does not come with frame sliders then I would add them as well.Skymama stalker #69!!!! Quote Share this post Link to post Share on other sites
Beerlight 0 #18 January 28, 2008 I use Progressive for the past 3 years on my Yamaha FZ1. It has the R1 engine in it. $488 a year full coverage..... Quote Share this post Link to post Share on other sites
BirdWoman 0 #19 January 28, 2008 Even though the bike will be in my garage, and probably out at a remote dropzone when I ride it there, I still want full coverage just in case it did get stollen. I hate the thought of paying for the bike when it's not mine. If I had cash for a bike I would have no problem with going with a 2005 or 2006, but I don't. I hate taking out loans since they usually charge you up the a$$ with interest. So right now, that's why I either have to finance one or try to work something out payment wise with my friend."I don't know where it is that I'm going, but wherever it is there I'll be!" --quoted by me Quote Share this post Link to post Share on other sites
sickandtwisted 0 #20 January 28, 2008 Oh, I definitely recommend full coverage. But you should be able to get a motorcycle loan from your bank for a used motorcycle. As far as interest rates, the best rates usually come from the factory & are only available for new bikes. The auto industry has seen the advantage of offering similar financing on "previously owned" or "factory certified used" vehicles. Maybe they will start offering this for motorcycles.Skymama stalker #69!!!! Quote Share this post Link to post Share on other sites
DrewEckhardt 0 #21 January 28, 2008 Quote Does anybody have a newer street bike and a reasonable insurance company to go with it? I am looking at getting a newer bike (either a 2006 R6 or an 06-07 gixxer 600) and need to find a new insurance company. I got a quote from Geico and they quoted me at $3600/year . Any suggestions? I bought my Triumph Sprint brand new in 1998 and was paying less than $200/year for full coverage from Farmer's. Riding something sporty that's not classified as a sports bike will do wonders for your premiums. You might consider something like an FZ600 if you want a new bike and add a lower fairing if you ride far. Quote Share this post Link to post Share on other sites
kelpdiver 2 #22 January 28, 2008 You'll never see great interest rates offered on the R6. I remember back to the 90s equilivent, the CBR600F2/F3, and the incredibly high percentage that were totalled within 6 months of purchase. People don't like to pay for a dead bike, esp if they got hurt in the process. Hence, 25% down, 18% interest. A financing special was 15%. Meanwhile, BMW was doing 4.9 and 5.9%, and giving test rides. More experienced, less squidly riders. Unless the financers can discriminate based on experience and other factors (18 year old boys need not bother), I don't think the 600 race replicas will ever be cheap to borrow on. And legally, I don't think that would ever be permitted. Quote Share this post Link to post Share on other sites
Remster 30 #23 January 28, 2008 QuoteRiding something sporty that's not classified as a sports bike will do wonders for your premiums. Yep. I'm paying close to nothing for my 2002 SV 650.Remster Quote Share this post Link to post Share on other sites
LongWayToFall 0 #24 January 29, 2008 Convert the SV to gsxr front forks and shocks, and throw in some race tech gold valves and good tires. Then, spend the rest of the money on track days. You will be owning people in no time. Quote Share this post Link to post Share on other sites
Remster 30 #25 January 30, 2008 QuoteConvert the SV to gsxr front forks and shocks, and throw in some race tech gold valves I researched a bit, and found that unless you really want to push it hard, new springs and a thicker oil up front are a good enough upgrade. In the back, I have a Busa shock... all waiting to be installed for the last year! lol.. I aint got no time! Quoteand good tires. Have had Michelin Pilot Power's for a while now.Remster Quote Share this post Link to post Share on other sites
