View Full Version : Insurance

06-17-2007, 09:56 PM
I am happy to say that I am about to join your illustrious group with the purchase of a 1098, which will be arriving in a few weeks. I was a bit shocked, however, when my insurance broker informed me that the best price he could get for me to cover the bike was $3450. I am 49 years old with a clean driving record (at least so far). Now I know everything about these bikes are a tad more expensive (something about price of admission) but that seems pretty absurd. Recommendations would be greatly appreciated. I look forward to getting to know and riding with the members of this club and am happy to have finally seen the light with the purchase of this bike. Thanks in advance.

06-17-2007, 09:59 PM
Yikes, it' time to shop your insurance.

Try Statefarm if you have a house and/or cars to insure as well. My 1098 with full coverage is only $342 annually.

Melinda Elkin State Farm office
206 784-6560

06-17-2007, 10:02 PM
WoW! I'd kill for insurance that cheap!

I'm 25 with a ticket, and my quote on a 999s was 3k/year

06-17-2007, 10:19 PM
Oh, and CONGRATULATIONS on your upcoming 1098! :cool2:

06-17-2007, 10:20 PM
WoW! I'd kill for insurance that cheap!

I'm 25 with a ticket, and my quote on a 999s was 3k/year

Ahh, the benefits of being 40 and having a clean driving record :)

06-18-2007, 01:11 PM
Give Geico a call. Great rates and even better coverage if you need it.

06-18-2007, 01:46 PM
Ahh, the benefits of being 40 and having a clean driving record :)

the quote for the gixxer 1k was almsot 5k/year

06-18-2007, 01:49 PM
+1 on checking out State Farm, but mainly shop around and get a bunch of quotes.

06-18-2007, 02:43 PM
Try Thury Foster with State Farm. He was by far the cheapest guy around when I was looking.



06-18-2007, 06:42 PM
State Farm for sure, I have a Motorcylce only policy thru them and for my 1098 I pay just under $900./yr for full coverage. I am 46 with a clean driving record...

06-18-2007, 06:44 PM
Thanks for the suggestions so far. I got a Geico quote today of $667 (big relief). State Farm was in the ball park but I had to move one of my cars to them and that was significantly higher coverage. Thanks again.

06-18-2007, 06:51 PM
Those are all pretty huge numbers...I guess that 1098 had a reputation right out of the gate.

I have a monster S4R, Gieco insurance, and am paying 800 bucks a year. (The cheapest insurance I have EVER had.) Don't know how I swung it, to be honest. Progressive, Pemco, and State Farm were all over a thousand to insure me and the bike.

PS; good job on my part taking so long to type that out. (See above post)

06-19-2007, 08:35 AM
+1 on Geico, I'm paying $393 a year for my '01 ST4, 33 y/o and no tickets. State Farm was around $600 or $700, I think, and MetLife, who we have for cars, renter's, and life, wouldn't ensure us at all, though we're thinking about leaving them for Pemco.... Much better service based on the accident my wife got in a couple months ago.

06-19-2007, 08:47 AM
+1 on GEICO. I am an ex-con with 3 felonious speeding tickets, haven't paid child support since the court's decree four years ago, lost my driving privileges when I was sent back to the pen twice for failing the pee test, I'm about to be indicted on Federal RICO charges and I run the healthiest prostitution ring in the entire Pacific Northwest... but I only pay $500 per year for my motorcycle insurance! :happy57:

Okay, all joking aside, GEICO is the way to go.

06-19-2007, 10:06 AM
davide smuggles illegal geckos into the country

06-19-2007, 10:08 AM
davide smuggles illegal geckos into the countryAnd sells 'em for cheap. I give you a special price, just this one time!

06-19-2007, 10:35 AM
sounds like most of you people are getting robbed:mad:
State farm is the cheepest for me, if you havent checked them out in the last year or so do it. They have really dropped there rates.

06-19-2007, 10:43 AM
Insurance seems to vary widely between persons.

Geico was outrageous for me.

Progressive was a little better.

Allstate was outrageous (my truck is also through them).

State Fram had great rates, but I had to switch my truck over. The truck rates were much higher than Allstate, so any savings was offset plus some.

GMAC Rider was the best...so Molly and I are with them.

Best advice is to check around and see who can give YOU the best deal.

06-19-2007, 06:33 PM
I'm with Progressive. Over $580 /yr.:(
I'll be shopping around.

06-19-2007, 07:26 PM
State Farm has the best rates. Call Candace 206.525.8700. I saved a ridiculous amount on my m/c rates. Better than anything my (ex) insurance broker could find. It got even better when I switched everything over to them. Their life insurance is a little pricey, however. If you call, tell her that Ian recommended her.

BTW, my driving record has a couple small blemishes (speeding......gotta air out the duc every now and then......).


06-19-2007, 11:51 PM
Remember, State Farm has main rates, the motorcycle only rate, and the motorcycle with car and/or house. The only rate is roughly double the combined rate.