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Discussion Starter #1
Hi guys. Im new to the RR club. I just got a '03 yellow RR (Hey no more yellow jokes) :lol2: . I love the bike but i havent been able to take it out yet (legaly haha). I dont have insurance. I like in NJ and was wondering if any of you could help me out with insurance. I am 20 years old. Will be 21 in July. Any recomendations on what insurance i should try? I have AAA for my car but they dont insure bikes. Also do you think i should just get liability if need be? I mean i am a responsible rider, have been riding for a while with my cousin, who got me into bikes. The bike is garage kept so im not too worried about it being stolen. Let me know your thoughts.

thanks

luke
 

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Rider Insurance Agency Inc
120 mountain ave
po box 1319
springfield, nj 07081
973-258-9500

They quoted me 726 bucks a year -full coverage on my RR.

I'm 27 (single when i got the insurance) and 1 ticket on my record.

I have to thank CorelOne for getting me the connection. Saved my 37% :rocker:
 
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Dude, by far Rider Insurance Agency is the cheapest in NJ. BY FAR! I am at work so I dont have the number in front of me, but when I get home, I'll hook you up if you dont find it. I pay $840/year full coverage. I am swithching car insurance to All State and I asked if they insured bikes and she said it would be around what I pay now/yr for 6 months. Gotta go Rider, $840 is as cheap as it is going to get.

By the way, I am 22 will be 23 in July with a clean driving record...just to give you a little reference.
 
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There you gonj600rr got the hook up, now you got it. You can send the savings to my paypal account...jk :mrgreen:
 

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Discussion Starter #5
Thanks for the quick info. I heard of the Rider insurance company but i never called. I thought that it was some local company with high rates. Hmm... sometimes its worth it to check. Thanks again. I will let you know how much they quoted me!
 

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Well by far the cheapest motorcycle insurance in NJ, that I have seen, is State Farm. There is a catch though. State Farm isn't accepting new policies. If you already have a policy with them, you can add the motorcycle to it.

I am 24 and single/no tickets/full coverage and I pay $253 a year for the RR.

:( I know this won't help you because unfortunately you don't have State Farm, but it may help others who already have State Farm Insurance in NJ.

Before I called State Farm I was going to go with Rider Insurance as well. The dealer was really pushing them.
 
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OutrGarage,
$253/yr full coverage?!?!?! That is insane. Thats beat they are not taking new policies. No insurace company wants to be in NJ, so we good screwed with high rates.
 

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That sucks that state farm isn't accepting new policies there. Does anyone know why that is, i have never heard of that before. i live in the midwest, in kansas city and i have 03 yellow RR that i bought brand new. I am 22 years old and my insurance is only 32 dollars a month, for full coverage. As far as i know nationwide the cheapest insurance company for motorcycles is state farm, so if you can get them DO IT. LOL
 

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Mad Chemist
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CorleoneRR said:
Dude, by far Rider Insurance Agency is the cheapest in NJ. BY FAR! I am at work so I dont have the number in front of me, but when I get home, I'll hook you up if you dont find it. I pay $840/year full coverage. I am swithching car insurance to All State and I asked if they insured bikes and she said it would be around what I pay now/yr for 6 months. Gotta go Rider, $840 is as cheap as it is going to get.

By the way, I am 22 will be 23 in July with a clean driving record...just to give you a little reference.
Allstate are friggin ridiculously over priced. You ought to check out progressive for auto insurance. they cut my allstate bill in half when I first switched to them.
 

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Mad Chemist
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Whoppyjon91 said:
That sucks that state farm isn't accepting new policies there. Does anyone know why that is,
No but I do know of people that have been totally screwed by them when they filed a claim. A neighbor wrecked his car, He still owed over a grand on it, the car booked at 3K plus and he got a $400 dollar check from state farm when they totaled it out, nine months later.
 

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State Farm is almost like a club. If you're in, cool! If not, take a hike. I think to get in the club you have to start with a homeowners policy.

I have been in the State Farm club for many years. I have multiple SF policies, including home, business, life, four cars and three bikes. And not to bum you out or anything, but I insure my 600RR for $119 annual, full coverage. Read it and weep. (One of the few benefits of being old in flyover country.)
 

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re: insurance

go with rider insurance...as i'm sure you've been told it's the cheapest rate you'll find!!! i was actually able to get it at my dealer their an agent.
 

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I got state farm $42 dollars a month with a $200 deductible, and $2500 worth of medical insurance included. You cant beat that. :mrgreen:
GET FULL COVERAGE I DONT CARE HOW GOOD A RIDER YOU ARE ITS THE OTHER PEOPLE OUT THERE YOU HITTING YOU THAT YOU HAVE TO WORY ABOUT. :wink:
You will be kicking yourself if you do happen to get in a wreck, or it gets stolen and all you have is Liability. :bitchslap:
 

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Ya'll betta RECKOGNIZE!!!!
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what kidna coverage does those prices include?
does that include comp for you guys and what kind of deductables..

im 23,, will be 24 in mid May..I have a clean driving record- no tickets or accidents.. i have had my drivers license for 5 years but my bike license for less than a year.. and on a new 2004 600RR i got a quote from Progressive website that with full comp, and $1,000 deductables on bike, a year would cost me $1,650.00 THAT IS A JOKE!!!!

what is the best bet for New York State? can anyone help me???
 

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Discussion Starter #15
I just got off the phone with Rider insurance. Full coverage for me in NJ (im 20 with a clean record) is $1623 per year. When i turn 21 in july it goes down to $1052 per year. Liability however is only $435 for me right now. What should I choose? Considering that the bike is garage kept. Also if i drop it and its only scratched up i most likely will pay for the damages myself and not go through the insurance anyway. What whould I do?
thanks

Luke
 
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HighLineCBR,
Wow, I cant believe that they are that high. I hope they didnt have a rate increase because I have to renew in April.
 

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Just as a reminder i am 22 and pay about 400 a year for full coverage through State Farm. I have bodily injury/property damage liability. 500 deduct comprehensive and 500 deduct collision, and uninsured motor vehicle. Sounds pretty good to me. I am covered by my health care provider for that sort of thing.
 
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