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Where to get cheap motorcycle insurance?

Discussion in 'Motorcycles' started by toyotadude5, Apr 26, 2010.

  1. Apr 26, 2010 at 12:04 PM
    #1
    toyotadude5

    toyotadude5 [OP] Breazeale- Pronounced Brazil

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    Hey guys im thinking about picking up a 1986 kawasaki ninja 600. But i need to find some good cheap insurance. Have any ideas? O ya here is a pic.

    [​IMG]
     
  2. Apr 26, 2010 at 12:09 PM
    #2
    dexterdog

    dexterdog My pee parts itch

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    Well, you're 21-that's not good for motorcycle insurance period. But, it seems State Farm is pretty good. I have heard mixed reviews on Geico's motorcycle coverage. I insured my motorcycle with my current insurance company, Country insurance, and their rates were pretty cheap but I was in my early 30's when I had a bike.
     
  3. Apr 26, 2010 at 12:10 PM
    #3
    toyotadude5

    toyotadude5 [OP] Breazeale- Pronounced Brazil

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    haha ya being 21 is not going to help me at all
     
  4. Apr 26, 2010 at 12:19 PM
    #4
    Danosabre

    Danosabre Well-Known Member

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    Progressive ins. is good, as long as you don't live in MA, where its not available.
     
  5. Apr 26, 2010 at 12:21 PM
    #5
    Snixzntrixs107

    Snixzntrixs107 New Member

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    So I actually do this for GEICO but quick question are you looking for just liability insurance or for insurance to cover the bike as well
     
  6. Apr 26, 2010 at 12:21 PM
    #6
    bigburrito

    bigburrito Local Man

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    same company you use for auto and home. they should discount you for giving them more of your business. im 27 and pay ~300 a year for MC insurance. cheap.
     
  7. Apr 26, 2010 at 12:29 PM
    #7
    toyotadude5

    toyotadude5 [OP] Breazeale- Pronounced Brazil

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    probably just liability. Im not paying anything for the motorcycle, just trading some stuff.

    Progressive quoted me at $1100 a year!!!:eek: Kinda pricey
     
  8. Apr 26, 2010 at 12:30 PM
    #8
    toyotadude5

    toyotadude5 [OP] Breazeale- Pronounced Brazil

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    i am with usaa, and i guess they use progressive for motorcycle.
     
  9. Apr 26, 2010 at 12:32 PM
    #9
    davidpick

    davidpick NWXPDTN

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    x2. i have state farm for my truck, motorcycle and renter's insurance which gives me a pretty good deal.
     
  10. Apr 26, 2010 at 12:36 PM
    #10
    toyotadude5

    toyotadude5 [OP] Breazeale- Pronounced Brazil

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    i would get renters insurance just to save me money, but most companies wont let me cuz i have 2 rottweilers.
     
  11. Apr 26, 2010 at 12:43 PM
    #11
    Snixzntrixs107

    Snixzntrixs107 New Member

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    Wow 1100 for liability is kinda crazy...but honestly check GEICO out for just liability. I will say the good thing about state farm is that they don't write motorcycles like progressive and GEICO so they just base it of the CC's of the bike versus what kind of bike it is. Which could be better for your money. But for the most part liability should be decently cheap even if your only 21.
     
  12. Apr 26, 2010 at 12:54 PM
    #12
    toyotadude5

    toyotadude5 [OP] Breazeale- Pronounced Brazil

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    ya waiting for state farm to call me back with a quote.
     
  13. Apr 26, 2010 at 1:00 PM
    #13
    maxboostcore

    maxboostcore Well-Known Member

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    I had Mcgraw insurance which was $105 for the whole year just for liability and I think I for full coverage they quoted $6,500. I asked them why so much and said most people put a claim on their motorcycle within 2 years. Yeah I had liability for 3 years I think and every year it went down some more.
     
  14. Apr 26, 2010 at 1:02 PM
    #14
    AvsFanTRD

    AvsFanTRD Oh gravity, thou art a heartless bitch!

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    i have state farm and mine is $8/month
     
  15. Apr 26, 2010 at 1:13 PM
    #15
    toyotadude5

    toyotadude5 [OP] Breazeale- Pronounced Brazil

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    just liability? Ive got 3 different quotes. Just liability

    $36 month

    $44 month

    $ 59 month


    That 1100 a year quote was for medical coverage as well
     
  16. Apr 27, 2010 at 8:18 AM
    #16
    WVtriple

    WVtriple Well-Known Member

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    so thats all you can do, since it will vary from person to person and company to company. I have GEICO as well for me and my senario they quoted me for two bikes 1) 2007 Aprilia RSVR 2) 2005 Triumph Sprint ST 1050. I am 41, own a home and good record for 15 years, and my Tacoma and Si are with them so for full coverage 0 deductible is 605 a year.
    Now with that said Dairyland (if availble to you) quoted me only 75 more with out have all the other vehicles and house with them.

    Good luck with your search and that Ninja, looks it could be like a good project bike.
     
  17. Apr 27, 2010 at 11:17 AM
    #17
    Kitty

    Kitty Beware: I bite! ^_^

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    I have Nationwide and it is about $400 a year for full coverage. I got it when I was 24ish I think. But mine isn't a crotch rocket so that might be more. :)
     
  18. Apr 27, 2010 at 11:19 AM
    #18
    toyotadude5

    toyotadude5 [OP] Breazeale- Pronounced Brazil

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    ya thanks for the help guys. So it looks like my cheapest will be $36 a month just liability,

    Now, What do i do to get my motorcycle endorsement?? I just go in and get a permit first?
     
  19. Apr 27, 2010 at 11:22 AM
    #19
    mws4ua

    mws4ua I'll try being nicer if you try being smarter.

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    A buddy of mine just bought a used bike and paid $83-ish for 6 months. It's liability only. He's 28yrs old, though, and his bike has a smaller engine and isn't a crotch rocket. He got it from State Farm, where he has a few other policies.
     
  20. Apr 27, 2010 at 11:23 AM
    #20
    toyotadude5

    toyotadude5 [OP] Breazeale- Pronounced Brazil

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    ya it looks like progressive is my best bet because they work with usaa on the motorcycle insurance.
     
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