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Old 01-09-13, 09:40   #1
01xj
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Default 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.
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Old 01-09-13, 09:49   #2
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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.
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Old 01-09-13, 09:53   #3
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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.
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Old 01-09-13, 09:58   #4
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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.
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Old 01-09-13, 10:01   #5
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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.
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Old 01-09-13, 10:06   #6
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I have Rider's. 260.00 a year.
I am mid 40's with no accidents.
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Old 01-09-13, 10:24   #7
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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.

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Old 01-09-13, 11:27   #8
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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.

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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.
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Old 01-09-13, 11:36   #9
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Default 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
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Old 01-09-13, 11:38   #10
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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. :(
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