STR Insurance - Triumph675.Net Forums
Reply
 
Thread Tools Display Modes
post #1 of 64 Old 01-09-13, 09:40 Thread Starter
01xj
Member
 
Join Date: Oct 2012
Location: CT
Posts: 317
Thanks: 7
Thanked 7 Times in 7 Posts
STR Insurance

I know this probably gets covered often, so bear with me. I'm new here. I'm going on my 5th year of riding. Acciddent free and no tickets (in my state). I had used Progressive as they were always cheapest for me.

In Sept. of 2012 I went from my 08 FZ6 to my STR. My insurance went up by nearly 700$. I paid about 450$/ for my FZ6 and my current rate is more than double that, around 1200$ per year.

Does this seem fair/ right to you guys? I realize there is a price to be paid for riding a faster, more powerful and generally more expensive bike.

I have compared quotes and Geico is coming in much cheaper. I'm just hesitant to switch since Progressive was always so good to me.
01xj is offline  
Sponsored Links
Advertisement
 
post #2 of 64 Old 01-09-13, 09:49
TRMN8TR
Senior Member
 
TRMN8TR's Avatar
 
Join Date: Apr 2008
Location: Mentor, OH
Posts: 1,936
Thanks: 21
Thanked 68 Times in 45 Posts
One fair warning about GEICO, I had them 4-5 years ago and was dropped from their insurance unexpectedly after 2 speeding tickets in the same year. One for 54 in a 50 (it was reduced to that, but as far as they know that is what the ticket was for) and one for 38 in a 25. I guess they are notorious for that.

The one thing that is killing your insurance prices is the fact that it has "R" in the model name. To the insurance company that means "Racing" and that means you are a hooligan who should be charged more because you're going to be street racing and crash.
TRMN8TR is offline  
post #3 of 64 Old 01-09-13, 09:53
GuiltySparc
Senior Member
 
GuiltySparc's Avatar
 
Join Date: Sep 2011
Location: Maryland
Posts: 1,032
Thanks: 0
Thanked 12 Times in 11 Posts
Sounds redonkulous to me.

My 2012 R costs ~380/yr. I use state farm and get a multi-line discount for having the house and cars through them also. I shopped around for it and was getting higher quotes from other carriers where i don't have any discounts, but nothing near $1200/yr.

2010 Ninja 250R
2012 Street Triple R
2006 Daytona
GuiltySparc is offline  
post #4 of 64 Old 01-09-13, 09:58
Neanderthal
Senior Member
 
Neanderthal's Avatar
 
Join Date: Oct 2008
Location: Springfield, MO
Posts: 7,031
Thanks: 111
Thanked 136 Times in 114 Posts
Garage
Quote:
Originally Posted by GuiltySparc View Post
Sounds redonkulous to me.

My 2012 R costs ~380/yr. I use state farm and get a multi-line discount for having the house and cars through them also. I shopped around for it and was getting higher quotes from other carriers where i don't have any discounts, but nothing near $1200/yr.
State Farm for me as well - same as above. State Farm starts it's rates strictly by cc's (then your record and age, like all companies), so it does not matter if it's an R or not. My Striple is about $30 more than my wife's SV650S. If you have a H-D 883, even though its a dog, it's a lot more to insure.
Neanderthal is offline  
post #5 of 64 Old 01-09-13, 10:01 Thread Starter
01xj
Member
Threadstarter Threadstarter
 
Join Date: Oct 2012
Location: CT
Posts: 317
Thanks: 7
Thanked 7 Times in 7 Posts
Quote:
Originally Posted by GuiltySparc View Post
Sounds redonkulous to me.

My 2012 R costs ~380/yr. I use state farm and get a multi-line discount for having the house and cars through them also. I shopped around for it and was getting higher quotes from other carriers where i don't have any discounts, but nothing near $1200/yr.
I have my wife's Ninja insured through Progressive as well. I get the MSF discount, multi-poilcy, safe driver, and a few other discounts. Hence why I'm questioning this rate.

Trm8tr- I have heard the same about Geico. This is why I'm hesitant to make the change over.
01xj is offline  
post #6 of 64 Old 01-09-13, 10:06
TRICH911
Junior Member
 
Join Date: Mar 2012
Location: Audubon
Posts: 6
Thanks: 0
Thanked 0 Times in 0 Posts
I have Rider's. 260.00 a year.
I am mid 40's with no accidents.
TRICH911 is offline  
post #7 of 64 Old 01-09-13, 10:24
triumphstyle
Junior Member
 
triumphstyle's Avatar
 
Join Date: Mar 2012
Location: floral park NY
Posts: 42
Thanks: 0
Thanked 0 Times in 0 Posts
Try Dairyland motorcycle insurance reasonably priced i pay full insurance for.1200 hd nightster and for 2011 street triple with 4 points under 25 year old.for just $1300 a year. The best deal i got i tried Progressive,Geico,Allstate and another bs company ,none came cheaper then them.

Sent from my SPH-D710 using Motorcycle.com Free App
triumphstyle is offline  
post #8 of 64 Old 01-09-13, 11:27 Thread Starter
01xj
Member
Threadstarter Threadstarter
 
Join Date: Oct 2012
Location: CT
Posts: 317
Thanks: 7
Thanked 7 Times in 7 Posts
Quote:
Originally Posted by triumphstyle View Post
Try Dairyland motorcycle insurance reasonably priced i pay full insurance for.1200 hd nightster and for 2011 street triple with 4 points under 25 year old.for just $1300 a year. The best deal i got i tried Progressive,Geico,Allstate and another bs company ,none came cheaper then them.

Sent from my SPH-D710 using Motorcycle.com Free App
Dairyland quote come in close to Progressive, about 1,000$ per year. I'm not really sure what gives with this.

Is it because the bike is new and financed? I'm 27 with a mostly clear driving record. One not-at-fault acciddent and no tickets in the past few years.
01xj is offline  
post #9 of 64 Old 01-09-13, 11:36
Florida Bob
Member
 
Florida Bob's Avatar
 
Join Date: Dec 2012
Location: Destin Florida
Posts: 174
Thanks: 4
Thanked 4 Times in 3 Posts
It's the 27 that killing your checking account!

I am with Progressive and the annual is $250 for full coverage. But when you are 102 years old they throw a discount your way..

I think your only option is to shop every carrier and see if you can piggyback on your parents policy.

Or buy a nice m/c cover and park it for 15 years
Florida Bob is offline  
post #10 of 64 Old 01-09-13, 11:38
vintagespeed
Senior Member
 
Join Date: Aug 2012
Location: Rancho Cucamonger
Posts: 769
Thanks: 7
Thanked 9 Times in 9 Posts
i have progressive, it's $360/yr i'm 42 and had no tickets until the last couple months... i expect it will go up quite a bit. :(
vintagespeed is offline  
Sponsored Links
Advertisement
 
Reply

Bookmarks

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the Triumph675.Net Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in









Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
Display Modes
Linear Mode Linear Mode


Forum Jump

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 
For the best viewing experience please update your browser to Google Chrome