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Discussion Starter #1
i read on some of the forums, people are paying roughly 350-400$ a yr if you're automobiles is insured with them. Went to State Farm to get insured, car insured with somewhere else, and was asked 36$/month full coverage. I was pretty stoked when i found out, and took it immediately. Well poor girl, she was a rookie, 1st month working, and i was her first 'motorcyclist'. Got a call from her today saying my premium will go up since i dont have any automobile insured with them..120$ per month. So my question is, theres no loop hole through this? or my only hope to get a good deal is to be insured with them? man...put 2 months down too :cursin: other than that, i got a date with her for dinner :banger:
 

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lol sweet deal on the date. but i also have my car and bike through them and my insurance for the bike is 90 bucks with no MSF course and i'm 19 :-D. I think having a car with them as well only knocks off about 15 bucks dont quote me though
 

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State Farm absolutely RULES for insuring motorcycles. This is largely due to the fact that they 'look at them' as based on size. So our "little" 600cc motorcycles are not a big deal for them to cover. Most other companies look at them based on type of classification. I.e. it's a Harley vs a Crotch-rocket. Crotch rocket loses.

The downfall of State Farm in this awesome scenario is that they refuse to insure the 'toy' (bike) on it's own without having a car (primary vehicle) along with it. And their auto rates are nothing special....... So it seems like a rose with a really sharp thorn.

The best way to go would be having a really lousy car, just a low-performance, cheap 4-door beat-arounder, and use that as your car (so a fairly decent rate for the car, heck just go for liability) and then have your bike tagged on with it. Perfect situation for the cost-wary individual.

But if you're like me and have a Mustang GT and an 07 RR it's basically a wash going for state farm for good bike rate or progressive for good car rate.

:shrug:

Hope this helps,
Logan
 

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I have my bike and truck through State Farm. My bike is $30 a month. My truck is around $50, but I have 94 4Runner so its pretty cheap.
 

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Discussion Starter #6
thanks for all the input you guys, i will go in and ask for a quote on my car, to see if they could match my car insurance i currently have.

-A
 

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You don't need to have both your car and bike insured with them. I only have my bike with State Farm and it's 410 for a whole year with a 250 deductible. The area I live in is more rural.
 

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The best way to go would be having a really lousy car, just a low-performance, cheap 4-door beat-arounder, and use that as your car (so a fairly decent rate for the car, heck just go for liability) and then have your bike tagged on with it. Perfect situation for the cost-wary individual.

But if you're like me and have a Mustang GT and an 07 RR it's basically a wash going for state farm for good bike rate or progressive for good car rate.
:+1: EXCEPT... Don't get a total piece of s**t car. For me a '94 Ford Tempo is more expensive to insure than almost any '00+ car due to modern safety features. Make sure it's got ABS and air bags and you should be set for a cheap car to insure.
 

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i pay eight dollars and forty cents a month
 

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Discussion Starter #14
it seems to depend on where you live from what i'm seeing.

Having at least one primary vehicle insured with them would give me a low cost to insured the bike. guess we'll find out this week.

and yes street racer, i will have to set her straight; there will be more than just premiums.
 
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