Holy insurance hell batman - Page 2

pauldun170 · 06-01-2012, 04:55 PM

Quote:

Originally Posted by shmike

Only if driving the appropriate stereotypical vehicle.

Give him a 65 year old asian woman driving an Iroc Z and his Excel program will self-destruct.

derf · 06-01-2012, 05:43 PM

Woooooowwwwwwww. I pay $175 a year for both bikes

disclaimer: I have basic coverage. I figure the amount I saved by only having basic coverage would have already been more than what I paid for the CBR, and why would I bother insuring a klr more than just the basic insurance?

Porkchop · 06-01-2012, 06:16 PM

Yea, apparently I need to be 1 yr older, married with children, and have my speeding violation fall off my record. And then it would be acceptable to pay a sane rate....

What a scam. But I go back to Kawi being at fault, having a VIN number that starts with ZX, and letting a street standard fall into the superbike category. Hell, I can hop on a Z1000 for a reasonable price, or a vfr1200 for about $95 a month.

And derf, this is the bare minimum BASIC collision/comp package. Basically the 25/50 with no uninsured or anything extra. 10-12k? Fucking absurd. Sorry, i'll be getting a differnt bike until im older.

Homeslice · 06-01-2012, 04:35 PM

Except that my Excel macro (not "program"

) would be smart enough to realize that there are always exceptions to the rule, and wouldn't trip out over them.

Rangerscott · 06-01-2012, 06:23 PM

Yup. I think even my vfr is considered a sportbike. Not sure about super sport. I have basic basic for both bikes. Ill have to look up my paper work and tell ya what I pay and for what.

The only thing bad for me on my bike record is a ticket for no MC license but thhat was 5 or so years ago. My agent never mentioned it so I guess its dropped.

Homeslice · 06-01-2012, 06:47 PM

you need to find someone who has a policy with those companies, and get a copy of the papers that come with it. They list all the discount codes available. If they think you will bail, they'll give you some discounts even though you don't really qualify. Like if you are a so-called "professional" you will get a discount, and they also have an equivalent discount for people who work in "trades" like plumbing, etc. And with my company there is another discount for belonging to a "professional association" which can bascially be anything, even a lame honors society.

OneSickPsycho · 06-01-2012, 07:03 PM

State Farm. They go by engine size regardless of type of bike... Yes, a VTX 1800 cost more to insure with State Farm than a CBR1000RR...

Progressive is the WORST... I had them with my 500R... I turned 25, got my renewal a month later and it had gone UP almost $300/yr. I called and they said that they had re-evaluated the way they calculated rates for motorcycles and while I did get a discount for turning 25, the net result was an increase. I promptly told them to fuck off... then switched to State Farm. Cost less than 1/3 what I had paid before the rate increase...

Gas Man · 06-01-2012, 09:07 PM

Quote:

Originally Posted by OneSickPsycho

State Farm. They go by engine size regardless of type of bike... Yes, a VTX 1800 cost more to insure with State Farm than a CBR1000RR...

Progressive is the WORST... I had them with my 500R... I turned 25, got my renewal a month later and it had gone UP almost $300/yr. I called and they said that they had re-evaluated the way they calculated rates for motorcycles and while I did get a discount for turning 25, the net result was an increase. I promptly told them to fuck off... then switched to State Farm. Cost less than 1/3 what I had paid before the rate increase...

ding ding ding
winner winner
chicken dinner

Rangerscott · 06-01-2012, 10:12 PM

I laughed when I got a progressive quote on just liability. It was more than what my ninja 250 cost.

Porkchop · 06-02-2012, 12:20 AM

Quote:

Originally Posted by Rangerscott

Yup. I think even my vfr is considered a sportbike. Not sure about super sport. I have basic basic for both bikes. Ill have to look up my paper work and tell ya what I pay and for what.

The only thing bad for me on my bike record is a ticket for no MC license but thhat was 5 or so years ago. My agent never mentioned it so I guess its dropped.

My VF500F was $88 a year. I thought I quoted out a 6th gen VFR800 and it wasn't that much???

Quote:

Originally Posted by OneSickPsycho

State Farm. They go by engine size regardless of type of bike... Yes, a VTX 1800 cost more to insure with State Farm than a CBR1000RR...

Progressive is the WORST... I had them with my 500R... I turned 25, got my renewal a month later and it had gone UP almost $300/yr. I called and they said that they had re-evaluated the way they calculated rates for motorcycles and while I did get a discount for turning 25, the net result was an increase. I promptly told them to fuck off... then switched to State Farm. Cost less than 1/3 what I had paid before the rate increase...

I'm almost certain she said that she got a quote from State Farm and it wasn't the lowest. I could be wrong though.

06-01-2012, 05:43 PM	#2
derf token jewboy Join Date: Nov 2008 Moto: CBR 900, KLR ugly ass duckling, Gas Man Posts: 10,799	Woooooowwwwwwww. I pay $175 a year for both bikes disclaimer: I have basic coverage. I figure the amount I saved by only having basic coverage would have already been more than what I paid for the CBR, and why would I bother insuring a klr more than just the basic insurance? __________________

06-01-2012, 06:16 PM	#3
Porkchop 125GP Champion Join Date: Aug 2008 Location: Worthington, OH Moto: Empty Garage Posts: 3,418	Yea, apparently I need to be 1 yr older, married with children, and have my speeding violation fall off my record. And then it would be acceptable to pay a sane rate.... What a scam. But I go back to Kawi being at fault, having a VIN number that starts with ZX, and letting a street standard fall into the superbike category. Hell, I can hop on a Z1000 for a reasonable price, or a vfr1200 for about $95 a month. And derf, this is the bare minimum BASIC collision/comp package. Basically the 25/50 with no uninsured or anything extra. 10-12k? Fucking absurd. Sorry, i'll be getting a differnt bike until im older. __________________ *Coming soon? 2010 Ducati Monster 696 - Sold 1984 Honda VF500F - Sold 1999 Yamaha R6 - Sold

06-01-2012, 04:35 PM	#4
Homeslice Elitist Join Date: Nov 2008 Location: SF Bay Area Moto: Gix 750 Posts: 11,351	Except that my Excel macro (not "program" ) would be smart enough to realize that there are always exceptions to the rule, and wouldn't trip out over them.

06-01-2012, 06:23 PM	#5
Rangerscott Viff6N Mutated Warrior Join Date: Mar 2009 Location: Texas Moto: '01 Honda VFR 800 & '09 ER-6N Posts: 8,704	Yup. I think even my vfr is considered a sportbike. Not sure about super sport. I have basic basic for both bikes. Ill have to look up my paper work and tell ya what I pay and for what. The only thing bad for me on my bike record is a ticket for no MC license but thhat was 5 or so years ago. My agent never mentioned it so I guess its dropped.

06-01-2012, 06:47 PM	#6
Homeslice Elitist Join Date: Nov 2008 Location: SF Bay Area Moto: Gix 750 Posts: 11,351	you need to find someone who has a policy with those companies, and get a copy of the papers that come with it. They list all the discount codes available. If they think you will bail, they'll give you some discounts even though you don't really qualify. Like if you are a so-called "professional" you will get a discount, and they also have an equivalent discount for people who work in "trades" like plumbing, etc. And with my company there is another discount for belonging to a "professional association" which can bascially be anything, even a lame honors society.

06-01-2012, 07:03 PM	#7
OneSickPsycho Ride Like an Asshole Join Date: Feb 2008 Moto: nothing... Posts: 11,254	State Farm. They go by engine size regardless of type of bike... Yes, a VTX 1800 cost more to insure with State Farm than a CBR1000RR... Progressive is the WORST... I had them with my 500R... I turned 25, got my renewal a month later and it had gone UP almost $300/yr. I called and they said that they had re-evaluated the way they calculated rates for motorcycles and while I did get a discount for turning 25, the net result was an increase. I promptly told them to fuck off... then switched to State Farm. Cost less than 1/3 what I had paid before the rate increase...

06-01-2012, 10:12 PM	#9
Rangerscott Viff6N Mutated Warrior Join Date: Mar 2009 Location: Texas Moto: '01 Honda VFR 800 & '09 ER-6N Posts: 8,704	I laughed when I got a progressive quote on just liability. It was more than what my ninja 250 cost.