Motorcycle insurance - how far will I have to bend over? - Tilted Forum Project Discussion Community

MSD · 01-22-2005, 08:22 PM

Me: Age 21, good grades at school, spotless record (both police and driving,)
Bike: most likely a mid-90's Harley or something similar. Large (1000cc+) engine, chopper style, not sport bike (height issues prevent me from sitting on one comfortably)

Roughly how much should I expect to pay per year for insurance? It would be a weekend, or maybe twice a week bike, I would still be driving most of the time.

FlatLand Flyer · 01-22-2005, 08:27 PM

Try going to something like Qucikquote or Progressive or something like that.

Also, check with the state on wheter or not you have to have it. I know that it is not required in Washington, but I think that it is a good idea to have it.

StanT · 01-22-2005, 08:32 PM

I'm about twice your age, but full coverage on a 1998 Honda Valkyrie (1520cc) runs me around $300 a (9 month) year.

GeePeeS'r · 01-22-2005, 08:48 PM

I had my first bike at 25. Clean record and all. The bike was a Ninja 600cc. But my insurance through Progressive was about $50 a month. But I also had a discount because I had 2 other vehicles insured through them. Bike engine size has a lot to do with it. I got a quote for a 500cc Ninja and it was about 25% less than for a 600. Oh, and I took a motorcycle safety course which help decrease the cost A LOT!! I would reccomend that to anybody.

Since your bike is a 1000cc, and that you are 21 (and assuming you havent taken an approved course yet), I would guess your monthly insurance would be over $100.

MSD · 01-22-2005, 10:00 PM

I will be doing a training course, and i was hoping that isnce it isn't a sport bike that I would get a bit of a break.

As for quickquote, they only do life insurance. Progressive wants personal info (SSN,) and since I'm not going to be getting anything for a while, I'll just hold off and work with estimates people give.

lt1s10 · 01-22-2005, 11:49 PM

Age 30, No tickets
2000 Honda CBR600 (daily ride) liability only, $172/year
2002 Yamaha R1 (track bike/weekend ride), full coverage $479/year

Both bikes are insured with Progressive. I have my truck with State Farm though they wouldn't even touch my bike insurance even though I've been with them since I was 16 and also have home insurance now too. I only had one car accident when I was 19 and it wasn't a big claim against me (~$1000) denied by State Farm for bike insurance.

The safety course is definitely worth the time. I rode dirt for about 10 years before I got a street bike and when I took the course I learned a few things and fixed a couple of bad habits.

01-22-2005, 08:22 PM	#1 (permalink)
MSD The sky calls to us ... Super Moderator Location: CT	Motorcycle insurance - how far will I have to bend over? Me: Age 21, good grades at school, spotless record (both police and driving,) Bike: most likely a mid-90's Harley or something similar. Large (1000cc+) engine, chopper style, not sport bike (height issues prevent me from sitting on one comfortably) Roughly how much should I expect to pay per year for insurance? It would be a weekend, or maybe twice a week bike, I would still be driving most of the time.

01-22-2005, 11:49 PM	#6 (permalink)
lt1s10 Crazy	Age 30, No tickets 2000 Honda CBR600 (daily ride) liability only, $172/year 2002 Yamaha R1 (track bike/weekend ride), full coverage $479/year Both bikes are insured with Progressive. I have my truck with State Farm though they wouldn't even touch my bike insurance even though I've been with them since I was 16 and also have home insurance now too. I only had one car accident when I was 19 and it wasn't a big claim against me (~$1000) denied by State Farm for bike insurance. The safety course is definitely worth the time. I rode dirt for about 10 years before I got a street bike and when I took the course I learned a few things and fixed a couple of bad habits. Last edited by lt1s10; 01-22-2005 at 11:52 PM..

01-22-2005, 08:27 PM	#2 (permalink)
FlatLand Flyer Insane Location: Eastern, WA	Try going to something like Qucikquote or Progressive or something like that. Also, check with the state on wheter or not you have to have it. I know that it is not required in Washington, but I think that it is a good idea to have it.

01-22-2005, 08:32 PM	#3 (permalink)
StanT © Location: Colorado	I'm about twice your age, but full coverage on a 1998 Honda Valkyrie (1520cc) runs me around $300 a (9 month) year.

01-22-2005, 08:48 PM	#4 (permalink)
GeePeeS'r Crazy Location: Tampa, FL	I had my first bike at 25. Clean record and all. The bike was a Ninja 600cc. But my insurance through Progressive was about $50 a month. But I also had a discount because I had 2 other vehicles insured through them. Bike engine size has a lot to do with it. I got a quote for a 500cc Ninja and it was about 25% less than for a 600. Oh, and I took a motorcycle safety course which help decrease the cost A LOT!! I would reccomend that to anybody. Since your bike is a 1000cc, and that you are 21 (and assuming you havent taken an approved course yet), I would guess your monthly insurance would be over $100.

01-22-2005, 10:00 PM	#5 (permalink)
MSD The sky calls to us ... Super Moderator Location: CT	I will be doing a training course, and i was hoping that isnce it isn't a sport bike that I would get a bit of a break. As for quickquote, they only do life insurance. Progressive wants personal info (SSN,) and since I'm not going to be getting anything for a while, I'll just hold off and work with estimates people give.