What do you pay for Full coverage? - 600RR.net
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View Poll Results: Montly Insurance rate for full coverage Liability, Comp and Collision.
$49 or less a month 39 34.21%
$50 to $99 31 27.19%
$100 to $149 a month 23 20.18%
or $150 or more a month 21 18.42%
Voters: 114. You may not vote on this poll

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post #1 of 55 (permalink) Old 02-08-2006, 05:10 PM Thread Starter
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Lightbulb What do you pay for Full coverage?

What do you pay for Full coverage? Write what coverages you have and what your 1 year premium is, and who you are insured with. How is your driving record?
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post #2 of 55 (permalink) Old 02-08-2006, 05:13 PM
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$1400 Arbella insurance group. Full coverage. One speeding ticket.

Next year when I renew my insurance it will be three tickets and a accident. :(
I didn't do any of this on the bike BTW

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post #3 of 55 (permalink) Old 02-08-2006, 05:15 PM Thread Starter
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That's about what I was paying....yet no tickets and no accidents, though I had one claim for about $2000 a couple of years ago
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post #4 of 55 (permalink) Old 02-08-2006, 05:27 PM
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I couldn't pay full coverage, if you keep the bike four years without an incident you paid enough insurance to buy a new bike.
I've been riding for 3 years without a single claim so I aint paying that kinda money, plus I'm 18 so full would cost me a fortune.


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post #5 of 55 (permalink) Old 02-08-2006, 05:33 PM
 
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Quote:
Originally Posted by airforce101t
I couldn't pay full coverage, if you keep the bike four years without an incident you paid enough insurance to buy a new bike.
I've been riding for 3 years without a single claim so I aint paying that kinda money, plus I'm 18 so full would cost me a fortune.
well just think if you write off your bike....your in big doo doo!

i think id rather be safe then sorry!
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post #6 of 55 (permalink) Old 02-08-2006, 05:43 PM
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yeah but at 18 if I did total it I'd never be able to afford insurance again, so I'd be track only until 23.
and like I said at my age, I wouldv'e already paid enough to buy a new bike in the three years I've been riding and thats a lot of wasted money. I'd say if your over 25 and you live in a place where your bike is more likely to be stolen then it could be a good idea, but I'm in a small town in Mississippi, the chances of my bike being stolen are very small. I also use my RR mainly for going to class everyday, a whopping half mile, so the chances of me crashing isn't as high as a lot of people, and even if I did crash I could probably fix the bike for less than my insurance would go up if I claimed it.
I'm just sayin its not a good deal for me


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post #7 of 55 (permalink) Old 02-08-2006, 05:52 PM
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Big part of what you pay isn't only based on driving record but where you are, your age, and other factors like being married.

I pay $248 for a year's full coverage on the RR. State Farm. I have my other vehicles with them as well as my home owner's insurace. 27 years old and being married helps a lot too.

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post #8 of 55 (permalink) Old 02-08-2006, 05:54 PM
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05 600 RR and 03 954. Yearly premium $324 through State Farm

31 Married with kids and 2 claims in the past 5 years. Never raised my premiums. Not like I'm complaining

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post #9 of 55 (permalink) Old 02-08-2006, 05:58 PM Thread Starter
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I mentioned this in another post that today I dropped full coverage, I went from $140 a month to a $290 yearly premium...which I paid upfront. So that would be about $24 a month. I realized that I already gave my insurance companies about $3,000 in the last 2 years for an $8000 bike. I'd rather risk paying out of my pocket...what's the chances of me causing an accident. Or causing an accident that cost more than a few thousand to repair.
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post #10 of 55 (permalink) Old 02-08-2006, 06:04 PM
 
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I pay $45/month for full coverage. 22yrs old, no accidents/tickets/infractions...ever. single and non homeowner.

pretty sweet gig. my agent is hot too...and only 2yrs older then me. ;)
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post #11 of 55 (permalink) Old 02-08-2006, 06:15 PM
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holy crap $248 a year!!!!! thats messed up, I can see a considerable difference but thats beyond logic! Thats close to what I was quoted monthly!
I know there is no way to do it fairly but damn, I'm a better/safer rider than a 45 year old guy I know. He's filed 2 claims in the 6 months he's owned the bike (05 ZX-10R) and his full coverage is still about the same as what i'm paying for just collision.
Of course this mofo also got let off of a ticket for doin 110 in a 55 (busy highway) when I couldn't get out of a 50 in a 35 in an empty backroad! Young riders just get screwed over, even the responsible ones.


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post #12 of 55 (permalink) Old 02-08-2006, 06:19 PM Thread Starter
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well said airforce101t....Are you in the Air force? I am in the Army and I am told I get a military discount...but I don't see it.


Quote:
Originally Posted by airforce101t
holy crap $248 a year!!!!! thats messed up, I can see a considerable difference but thats beyond logic! Thats close to what I was quoted monthly!
I know there is no way to do it fairly but damn, I'm a better/safer rider than a 45 year old guy I know. He's filed 2 claims in the 6 months he's owned the bike (05 ZX-10R) and his full coverage is still about the same as what i'm paying for just collision.
Of course this mofo also got let off of a ticket for doin 110 in a 55 (busy highway) when I couldn't get out of a 50 in a 35 in an empty backroad! Young riders just get screwed over, even the responsible ones.
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post #13 of 55 (permalink) Old 02-08-2006, 06:21 PM
 
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Thumbs up

$260 and change per year, statefarm, been with them since 1995, 3 claims for motorcycle crashes, 35 y/o

i won't use anyone else
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post #14 of 55 (permalink) Old 02-08-2006, 06:24 PM
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My bike is cosigned by my dad and he rides it so luckily my insurance is under his name with me as a secondary user. We use State Farm and also use State Farm for every other kind of insurance. I have full coverage and it is $360 a year.

If it were entirely under my name. 19 year old with 2 accidents and one ticket it would be about $1800 a year for full coverage.


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Last edited by TOMIMOTO; 02-08-2006 at 06:26 PM.
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post #15 of 55 (permalink) Old 02-08-2006, 06:24 PM
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unfortunately no, I was a die hard Air Force fanatic since the 6th grade (6 years in the Civil Air Patrol) and had a full AFROTC scholarship but failed the DODMERB due to some BS medical problems I had when I was younger, so now the military isn't an option. my e-mail and all my forum names are airforce I just don't feel like starting over with a new name


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post #16 of 55 (permalink) Old 02-08-2006, 06:27 PM Thread Starter
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That sucks man...It's funny how the military is sometimes. Last I heard is you can't get in the Army if you had laser eye surgery, but it's ok if you get laser eye surgery after you are in...and there are actually some bases in the Army that are doing the surgery for free for soldiers.


Quote:
Originally Posted by airforce101t
unfortunately no, I was a die hard Air Force fanatic since the 6th grade (6 years in the Civil Air Patrol) and had a full AFROTC scholarship but failed the DODMERB due to some BS medical problems I had when I was younger, so now the military isn't an option. my e-mail and all my forum names are airforce I just don't feel like starting over with a new name
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post #17 of 55 (permalink) Old 02-08-2006, 06:30 PM Thread Starter
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anybody here riding without insurance? Is that a dumb question? It's like riding without a lid.
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post #18 of 55 (permalink) Old 02-08-2006, 06:31 PM
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yeah they've got their own surgery that is supposed to be a lot better but hasn't been approved for civilian use yet, its more expensive to do that LASIK also, which is one of the reasons its not going to be available to the public any time soon.

I was hardcore Drill/Honor Guard for a couple years so its kinda strange not doing it anymore, but I guess i replaced one obsession with another (bikes)


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post #19 of 55 (permalink) Old 02-08-2006, 06:32 PM
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I'm pretty sure here in NH you legally don't need insurance on any of your vehicles. I'm not sure about other states.


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post #20 of 55 (permalink) Old 02-08-2006, 06:36 PM Thread Starter
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I am guessing you just graduated High school or are about to. I don't know what your medical issue was, but if you really want to get in look to get a waiver....I think the AF was down sizing a little though so maybe you couldn't get a waiver through them, but if you really want to get in talk to other recruiters. Maybe someone knows a way around the BS.
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post #21 of 55 (permalink) Old 02-08-2006, 06:36 PM
 
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$32 a month, full coverage with statefarm

22, student, clean record :beer:
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post #22 of 55 (permalink) Old 02-08-2006, 06:38 PM Thread Starter
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Quote:
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I'm pretty sure here in NH you legally don't need insurance on any of your vehicles. I'm not sure about other states.
I better not drive in NH then because I wouldn't want to get hit by an un-insured idiot. what happens if someone causes an accident? everybody gets screwed?
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post #23 of 55 (permalink) Old 02-08-2006, 06:42 PM Thread Starter
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Quote:
Originally Posted by Joey600RR
$32 a month, full coverage with statefarm

22, student, clean record :beer:
Living in San deigo, man that just kills me..I live in the middle of nowhere in upstate NY where my bike would probably never get stolen. Now in Southern CA I would think Premiums should be higher. With the traffic there I bet it's more dangerous too. Insurance companies are crazy.
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post #24 of 55 (permalink) Old 02-08-2006, 06:45 PM
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44 bucks a month, full coverage, 0 deductable.. just turned 21, 3 speeding tickets 2 accidents, and a seatbelt :)
Tickets were:
19 over in 55
17 over in 55
17 over in 45
neither accidents were my fault, and none of this stuff was on a bike.. no multicar discount or home insurance discount, and not married :)

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post #25 of 55 (permalink) Old 02-08-2006, 06:48 PM
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I've already done that and been told there is nothing I can do, I know a couple congressmen that could get me in but I wouldn't be able to do anything other than a desk job. My goal was either pilot or PJ, so a good medical history is extremely important and theres no way I'd ever get one of those. The biggest problem was I had a headache a few years ago and my paranoid mom took me to the doctor to make sure it wasn't something serious, he gave me the wrong medicine and made the whole thing worse and caused a crap-load of problems, I ended up in the hospital for a couple days and somebody wrote Migraine on my charts when the headache I started with wasn't that. All that plus allergies when I was like 5 keep me out of the military.

It doesn't really bother me that much anymore, its cool not taking everthing as seriously as I used to, I always have a good laugh when I see the the ROTC guys in formation. I can watch them for 5 minutes and have a 2 page list of their screw ups.


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post #26 of 55 (permalink) Old 02-08-2006, 07:19 PM
 
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hey if your in the military use USAA insurance take advantge of them good place to do business with when stuff goes wrong and they only work for military personel make sure you check it out.

RLTW
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post #27 of 55 (permalink) Old 02-08-2006, 07:20 PM
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I think mine is around $26 a month with State Farm. Flawless driving record.
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post #28 of 55 (permalink) Old 02-08-2006, 07:28 PM Thread Starter
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Quote:
Originally Posted by WiZ 2/75RGR
hey if your in the military use USAA insurance take advantge of them good place to do business with when stuff goes wrong and they only work for military personel make sure you check it out.

RLTW

I've been getting quotes from USAA for 6 years now...they are always at least 1 and half times more than what I pay with Geico. I just did a quote about a week ago with them again. I've done a quote with them every six months for the past 6 years. They are always much more expensive for me....I don't know why.
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post #29 of 55 (permalink) Old 02-08-2006, 07:41 PM
 
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I pay about $340 a year through STATE FARM, multi policy, 36 Years old <wheeew> getting old. Perfect record (keeping fingers crossed) .

Full coverage minus collision is how it is stated, I know full with collision is about $1200.
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post #30 of 55 (permalink) Old 02-08-2006, 08:16 PM
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$257.00 a year full coverage for State Farm, no accidents, no tickets and I'm 26
and married. I also have two cars and my house discount and a good driver.

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Last edited by OmDaBomB; 02-08-2006 at 08:19 PM.
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