Motorcycle insurance Q (for the R6 owners)

[Ferio_vti]

What is everyone paying for insurance right now. I'm seriously considering one of the R6's for sale.

More specifically for me:

24 year old driver, clean record. I have my class 5 and 6. I've had both for nearly 7 years, but I haven't had a motorcycle insured for the last 3 years.

What are the current R6 drivers here paying??

[Kobe]

What kind of insurance would you be looking at Plpd, full coverage?

[HellfireR6]

PLPD is bout 350 with rebate of 25 bucks, full coverage is $1150, thats if ur under 21

[wildkarrde]

^^^

Exactly what he said.

I'm paying 1150, I'm 19, first year riding and I've had 1 ticket.

[interlude]

well.. my history isnt the best on my abstract. im 24 yrs old.. I just sold my 2003 r6.

But I was paying about $138/month for full coverage. fire.. and theft.
i didnt bother with vandalism

[in*10*se]

uhh how the hell are u paying 1150?

what are ur deductables, and how much is ur coverage... i just can't believe that shit...


i paid fucking 1271... gsus

[HellfireR6]

ur insurance company is rippin u off! ever thought of shopping around for insurance??pick up the phone, dont be lazy and DIAL!! plus i got a few friends that are insurance brokers but still $1271 ur payin 2 much yo.....lol

[in*10*se]

LOL, it's like u think i didn't call around dumbass... most quotes i got was over 1500...

i guess i'll be doing some renegotiating next year...

where are u getting ur insurance??

[HellfireR6]

dumbass well im not the one payin more! so i think ur the dumbass mang....and del fisher is cheap, lungren&young also blue circle

[wildkarrde]

del fisher is where its at.

[Markopolian]

im 21. 03 gsxr 600. not an r6 but really it doesnt differ much from bike to bike. I am paying $1200 a year ($100 a month) full coverage. 1 ticket. But to branch off a question I want to take insurance off my bike for the winter cause i dont want to pay. Its a loan for the bike and thats why I needed full coverage in the first place but when im not riding it in the winter can I take the insurance off or not? Since its a loan. anyone know about this?

[HellfireR6]

i dont think so, if its a loan from the bank they need u to have full coverage all the time to cover the bike in case something happens to it to protect their investment aka loaning to u! as told by Pro-Am for financing.....

and yes it does differ from bike to bike, the insurance all depends on the bike, year, make, model and the main part if the brand is a risk factor! like if the particular bike is a accident risk.... so just say if in one year in Canada there are 40 accident claims from a 04 600RR and only 20 claims from a 04 GSXR600, u'll be paying more cuz u drive a 600RR!

so which means u pay more to cover their accidents, which the insurance wants to cover their losses through ur premiums..

and i dont think u can cancel bike insurance just for the winter, i was told u have to buy for a full year! so thats the downside u only get to ride 6-8 months of the year but haveta buy the whole year coverage!

[interlude]

actually before you guys start flaming. Do youguys pay the whole amount? If you do.. whos the sucker now?

With the insurance company I went through. I paid $138/month. when it was off season $45/month for storage.. then when season hit again.. $138/month. So far this year.. I only paid 3 months of full coverage and I just cancelled with no penalties.

[Ferio_vti]

Originally posted by interlude
actually before you guys start flaming. Do youguys pay the whole amount? If you do.. whos the sucker now?

With the insurance company I went through. I paid $138/month. when it was off season $45/month for storage.. then when season hit again.. $138/month. So far this year.. I only paid 3 months of full coverage and I just cancelled with no penalties.

I did the same with my last bike, with cheaper insurance during winter. But I did pay a lum sum, having the whole year calculated accordingly.

[SOAB]

i pay 1100/yr full coverage for my gix 750

the good thing about that is i pay it over 7 months and don't have to pay during the winter.

[HellfireR6]

theres always ways around gettin cheaper insurance so always shop around for the best deals.... but most insurance companys dont except payments and u haveta pay the lum sum.....

[black_shadow_18]

i am paying $106/yr for PLPD for my 00 R6. I love my insurance company. I am 22, and have about 2 speeding tickets.

[wildkarrde]

Holy fuck are you serious?

Every ticket you get, your insurance goes down...

[HellfireR6]

LOL weird never heard that before! hook it up