Got a quote from Allstate recently: $1145 USD 1st year, then it's reduced but she didn't know by how much. Apparently Allstate does not insure bikes anymore so they sub it out to another carrier. Seems awfully high to me. What are you guys paying?
Try State Farm Insurance. I'm paying about $225 for 6 months full coverage. Sounds a bit high to me. Keep shopping around.lcgio said:Got a quote from Allstate recently: $1145 USD 1st year, then it's reduced but she didn't know by how much. Apparently Allstate does not insure bikes anymore so they sub it out to another carrier. Seems awfully high to me. What are you guys paying?
lcgio said:Got a quote from Allstate recently: $1145 USD 1st year, then it's reduced but she didn't know by how much. Apparently Allstate does not insure bikes anymore so they sub it out to another carrier. Seems awfully high to me. What are you guys paying?
B/I 100/300chip4 said:Here are the "minimum" CA car limits
According to California car insurance regulations, you are required to have the following coverage:
Required Coverage
Liability:
Bodily Injury $15,000/$30,000
Property Damage $5,000
Uninsured Motorist Bodily Injury $15,000/$30,000
(Can be waived in writing)
Underinsured Motorist Bodily Injury
(Can be waived in writing)
You may also want to add comprehensive and collision especially on a newer car
Allstate insures my two, an '01 H-D and an "07 K1200GT. I pay about $500 for both but that is because I have stacked the uninsured motorist coverage with my car coverage and I have over 30+ years of experience. You have to make sure you are getting comparable information. I have $500,000 single limit BI. I would suggest if you have any assets other than your motorcycle you have at least $100,000/$300,000 BI and then add an umbrella liability policy for at least $1,000,000. If you get sued over an accident $30,000 BI won't go far and judgments survive bankruptcy.lcgio said:Got a quote from Allstate recently: $1145 USD 1st year, then it's reduced but she didn't know by how much. Apparently Allstate does not insure bikes anymore so they sub it out to another carrier. Seems awfully high to me. What are you guys paying?
very true with the danger zone thing. when i bought my 94 gsxr, my insurance company AAA, who farmed out their bike insurance, would not even take anything with "NINJA" written on it; therefore no ninja was considered. My insurance was cheap because of experience, low theft rate, and BMW riders are less likely to get nixxed or haul ass like the youngsters on these super sports.johnnydanger said:There are a lot of factors for motorcycle insurance in my experience. I pay $1100 a year to Allstate for full coverage on my K1200R, R1100S, and Aprilia SR50. Oh yeah and that's with 2 very unfortunate tickets. Just full coverage on the K1200R is something like $800, then there are heavy discounts for additional 2 wheelers. I'm of course a youngster which doesn't help the insurance costs at all. Let me put it this way though... A superbike like the GSX-R 1000 or even a Ninja 636RR is like $4000+ per year for full coverage insurance (collision is over $3000 or that). Those bikes are in the 'red zone' with the insurance goons. Even my old 1996 ZX-11 Kawasaki was quoted at $4200, of course the bike was only worth $4200. Whatever. I think BMWs are a bargain in insurance terms considering their cost to buy/repair as well as their performance.