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Motorcycles BS Thread 2.0

Discussion in 'Motorcycles' started by Sacrifice, Mar 8, 2016.

  1. Apr 9, 2024 at 8:00 PM
    fatfurious2

    fatfurious2 IG: great_white_taco

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    David
    Ashburn, VA
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    2010 TRD OR Access Cab
    Dang, i pay 140 a month for my truck. And i have all of the aftermarket parts insured at retail too
     
  2. Apr 9, 2024 at 8:26 PM
    spencermarkd

    spencermarkd Well-Known Member

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    Spencer
    Pullman, WA
    Vehicle:
    07 Driftwood Pearl 4Runner
    Location plays a huge factor, too. I only pay $447 every six months for my 2007 4Runner and my wifes 2020 Jeep Renegade combined, with enhanced coverages for uninsured/underinsured (college kids..) and glass. Then $183 for full coverage on the 2010 BMW F800GS and liability only on the Grom and CT90 per year. When I removed the CB750 my bill went down a whopping $0.68 a year hahah. They're all pretty tame and I'm in my 30's with no motorcycle tickets and stellar credit. I'm tempted to see what a new high performance bike would be..
     
  3. Apr 9, 2024 at 8:27 PM
    50Buck

    50Buck Living rent free Timmy the Tool's head

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    Adam
    Wyoming
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    2023 Solar Octane TRD Pro, 2019 Yamaha Super Tenéré
     
  4. Apr 9, 2024 at 8:48 PM
    50Buck

    50Buck Living rent free Timmy the Tool's head

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    Wyoming
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    Jeez, who are you insured with? My CB500X is costing me 600 a year with a perfect driving record!
     
  5. Apr 9, 2024 at 9:20 PM
    Wyckedan

    Wyckedan Well-Known Member

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    Dan
    Woodinville WA
    Vehicle:
    2014 Stormtrooper AC 2009 Ducati Hypermotard 1100s.
    1 fully operational Death Star
    Definitely location. I'm 40 with a perfect driving record, zero claims, tickets, nada. Have not added any aftermarket parts, I don't need it going higher
     
  6. Apr 9, 2024 at 9:23 PM
    TacoTyusday

    TacoTyusday Well-Known Member

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    Zac
    San Diego
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    2014 White Tacoma TRD Baja
    I’m jealous

    My truck is about $1200/year to insure.

    Initially the BMW was about $1200/year to insure with full coverage. Adding the YZ250F for liability only got me a $2 refund. Then adding the R3 for liability only got me $200 back.


    I have no idea how it works but it only incentivizes me to buy more…
     
    jordandogtown and spencermarkd like this.
  7. Apr 9, 2024 at 9:25 PM
    50Buck

    50Buck Living rent free Timmy the Tool's head

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    Wyoming
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    2023 Solar Octane TRD Pro, 2019 Yamaha Super Tenéré
    I guess I should also add that I have completely maxed out coverage. When I was getting the quote they gave me the minimums and I asked for a quote with everything maxed, and the rep didn't get it. She said"Ok, well we have a few ways you can increase it and I can give you breakdowns for each level of coverage" so I had to very clearly state "I want a quote for it all maxed out. Every option maxed." It was kinda funny because I guess everyone is always asking to keep it all as cheap as possible and get minimum coverage. If I eff up on a bike it's got potential to be bad and I want as little financial headache to go with my broken bones and road rash as possible.
     
    Last edited: Apr 10, 2024
  8. Apr 10, 2024 at 2:05 AM
    fatfurious2

    fatfurious2 IG: great_white_taco

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    David
    Ashburn, VA
    Vehicle:
    2010 TRD OR Access Cab
    Progressive. I have +5 safe points now, no accidents, and no tickets for 5+ years. Plus im 36, so i think that factors in too

    I'll look up my coverages later
     
    50Buck[QUOTED] likes this.
  9. Apr 10, 2024 at 2:24 AM
    50Buck

    50Buck Living rent free Timmy the Tool's head

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    Wyoming
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    2023 Solar Octane TRD Pro, 2019 Yamaha Super Tenéré
    I'm almost 40, been with progressive with my car for over a decade, but bike insurance has only been since like 2020 when I got my first SxS. No accidents or tickets. I've never heard of the "safe points" though. Might be something that is area specific. That gives me hope that I won't get rolled too much harder for a Super T, though. Unless it just doubles everything for the higher coverage and low deductible.
     
  10. Apr 10, 2024 at 3:33 AM
    BkerChuck

    BkerChuck Well-Known Member

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    Chuck
    Etters, PA
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    2017 Tacoma TRD Sport Blazing Blue Pearl
    Over 60, 2 FJR1300s each with full coverage and fairly low deductibles, 95 Buell and 77 Honda CB400F just have liability. Fairly high limits since the Iron Butt Rally requires 500k total so that's what I've started carrying. No accidents or tickets since 2019 and that accident was not my fault but I was hit by someone. I think my total bill for the year is just under $800 with Progressive.
     
    50Buck likes this.
  11. Apr 10, 2024 at 3:37 AM
    50Buck

    50Buck Living rent free Timmy the Tool's head

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    Wyoming
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    Well damn. I might have to call them up and start asking questions.
     
  12. Apr 10, 2024 at 3:43 AM
    fatfurious2

    fatfurious2 IG: great_white_taco

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    David
    Ashburn, VA
    Vehicle:
    2010 TRD OR Access Cab
    I don't know if the safe points do anything. It might be a Virginia thing. I also know that im not full coverage and low deductible
     
    50Buck[QUOTED] likes this.
  13. Apr 10, 2024 at 6:46 AM
    FreshOldTaco

    FreshOldTaco Well-Known Rider

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    kevin
    above the storm
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    2003 Tacoma
    Everyone posting their rates had me checking mine... I'm paying $760 a year for full coverage on both bikes through Allstate. 70% of that premium is the SDR. Looking at my limits I probably should increase them a bit. I'm 41 with no tickets and no accidents aside from when I was hit two years ago
     
  14. Apr 10, 2024 at 6:48 AM
    50Buck

    50Buck Living rent free Timmy the Tool's head

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    What is "SDR?"
     
  15. Apr 10, 2024 at 6:52 AM
    FreshOldTaco

    FreshOldTaco Well-Known Rider

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    kevin
    above the storm
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    Super Duke R ...no shortage of acronyms ha
     
  16. Apr 10, 2024 at 10:01 AM
    oldtoyman

    oldtoyman Small bore freak

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    Kevin
    North of Seattle
    Vehicle:
    2012 Yamaha FZ1, 2019 Honda monkey , 2023 klx300 ,2013 prerunner TRD off-road
    I pay $1800 per year for a 2013 Tacoma, 2016 cx-5 and 2007 Toyota Corolla full coverage on all with two divers.
    So 150 per month. I do pay in full every 6 months to save a couple hundred.
    The Kymco scooter, Honda monkey and Klx are only 250 per year full coverage. Adding the 929 it goes to just over 400 per year full coverage.
    I have been with progressive since 2006. In that time the wife and I have had 0 tickets ( we haven’t even been pulled over) I have one accident that totaled my 1999 Tacoma. Plus I am older @ 56, wife 53.
    Now I did just check to see how much it would be to add my 19 yr old son new driver to my insurance and it went up $1400 per year. So for him about $120 per month and he is insured to dive any of our cars but the Corolla I bought for him. I know I could save some money by just having comprehensive and not full coverage as I own every vehicle I have. It did pay off having it when I totaled my 1999 Tacoma so I will never not have full coverage.
     
  17. Apr 10, 2024 at 10:16 AM
    woodtickgreg

    woodtickgreg Well-Known Member

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    Greg
    Michigan
    You guys are stuck with your insurance rates. It's just ridiculous in Michigan, a total rip off.
     
  18. Apr 10, 2024 at 10:29 AM
    Wyckedan

    Wyckedan Well-Known Member

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    Dan
    Woodinville WA
    Vehicle:
    2014 Stormtrooper AC 2009 Ducati Hypermotard 1100s.
    1 fully operational Death Star
    So strange to me we live so close yet our rates are so much different.


    In other news, anyone looking for a new dirt bike, GasGas has a killer promotion, get a free e-mtb bike when you buy certain models.

    https://www.gasgas.com/en-us/promotions.html
     
    jordandogtown likes this.
  19. Apr 10, 2024 at 11:37 AM
    oldtoyman

    oldtoyman Small bore freak

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    Kevin
    North of Seattle
    Vehicle:
    2012 Yamaha FZ1, 2019 Honda monkey , 2023 klx300 ,2013 prerunner TRD off-road
    Age, driving record, credit score 800+ . We get the max discounts, college for the wife length of time with progressive ect.
     
    fatfurious2 likes this.
  20. Apr 10, 2024 at 12:10 PM
    gixxerphil

    gixxerphil @concretelander

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    Phillip
    Auburn, Alabama
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    2013 DCLB

    When credit score should have absolutely nothing to do with insurance(my credit is fine). You pay then have it.....you don't buy insurance on credit. I'd like to meet the asshole that decided to push that bullshit through.

    I pay $500 a year for the Tacoma and $103 for the Rally. Full coverage on both with accessories coverage.
     
    nd4spdbh and oldtoyman[QUOTED] like this.

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