Insurance

xpertsnowcarver

xpertsnowcarver

The Sneaky Butcher
So how much are you paying for insurance and for what motorcycle? This could help others get a good perspective of what to expect to pay when purchasing a motorcycle.

Location?
Age? (Optional, but it would help.)
History? (Accidents/Tickets. Also optional, but it would help.)
Discounts Included?

Any other pertinent information.

Since its still too early to get a quote for a FZ8 in my location, I looked up a few comparable models.

2010 BMW F 800 ST - $850/year (Full Coverage $1000/$500 deductible) (Annual Renewal discount)
2010 Aprilia Shiver 750 - $800/year (Full Coverage $1000/500 deductible) (Annual Renewal discount)
2009 Yamaha FZ6 - $700/year (Full Coverage $500/$500 deductible) (Annual Renewal discount)
2009 Yamaha FZ1 - $2500/year (Full Coverage $500/300 deductible) (No discount included)

I am 22 years old. Live in Los Angeles County, city of Norwalk. I have no accidents or tickets on my record.

Thanks :)
 
xpertsnowcarver said:
So how much are you paying for insurance and for what motorcycle? This could help others get a good perspective of what to expect to pay when purchasing a motorcycle.

Location?
Age? (Optional, but it would help.)
History? (Accidents/Tickets. Also optional, but it would help.)
Discounts Included?

Any other pertinent information.

Since its still too early to get a quote for a FZ8 in my location, I looked up a few comparable models.

2010 BMW F 800 ST - $850/year (Full Coverage $1000/$500 deductible) (Annual Renewal discount)
2010 Aprilia Shiver 750 - $800/year (Full Coverage $1000/500 deductible) (Annual Renewal discount)
2009 Yamaha FZ6 - $700/year (Full Coverage $500/$500 deductible) (Annual Renewal discount)
2009 Yamaha FZ1 - $2500/year (Full Coverage $500/300 deductible) (No discount included)

I am 22 years old. Live in Los Angeles County, city of Norwalk. I have no accidents or tickets on my record.

Thanks :)
Click to expand...

I,m 46 and had a bike written off two months ago but I am allowed one at fault claim per year.
My newish FZ6(06) is insured for $7,700 ,cost me 6k :) , at $291 per year .
 
Nice. The only reason I'm currently getting away with $300/year insurance is because I merely have liability, and I'm currently riding a 07 Yamaha XV250. :p
 
Just got the FZ8 insured today. State Farm, full coverage and $500/$500 deductibles. An AMAZING $227.00 annual.

And to think Progressive wanted $1300.00, and I WAS a 10 year customer and I'm 41 years old. What bastards.
 
on my fz8 im $2,000 a year im 24 and i live in ontario and i had a seat belt ticket!!! cant wait to be 25 this summer because insurance rate drop like crazy!!!
 
Ouch 2000$, thats pretty bad...I think I could insure a S1000RR + a 1098 for that price...
Quebec Canada,320$/year, 250$ deductibles.
Im 34 one speeding ticket left on my file (remains of my Speed Triple lol!), got a car stolen a few years ago.

Though keep in mind here the license plate costs 640$/year for a standard bike like the FZ8 (actually we can only ride from march 15th to December 15th, its illegal to ride a bike during winter) and 1600$ for super sports (like a CBR 600 and up). Drivers license is 90$ a year for the car and 35$/year extra to be allowed to ride a bike.

Insurances go with bike classification. The goverment can class the bike standard and the insurance company can consider it a super sport. Like when I had my Speed Triple, some companies were asking 1800$/year and the one I chose cost me 300$/year cause it wasnt considered a super sport at one place, but was at the other.
 
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i know i live like 15 min from the quebec border i feel like moving just for insurance reason!!!
 
@00007

Now you know why you see so much sports bikes in Ontario that come from our province, people have trouble selling them here, cause nobody wants to pay 1600$ a year just for license plates...

Here an FZ8 will cost you about 1000$ a year for insurance plus license plate. A s1000rr would cost you around 3000$ for insurance and license plates...Funny thing, a K1300R will cost you about 1000$ and a K1300S which is the same bike but with a fearing will cost you double. Seems like plastic is dangerous in our province lol!
 
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yeah plastic is expensive in ontario also i compared prices and a busa was like at least $1000 more then the bk1300.... i dont get it our plates are really cheap here and our insurance is sky high and you guys your plates are expensive and insurance is cheap haha
 
Wow, I thought Quebec SS plate was only 1400$....but I still miss Quebec insurance because its cheap, it was 700$ (plate+license+insurance) for my cavalier...it went up to 2000$ in Ontario...same coverage :bs2:
 
Oups, yeah sorry, its "just" 1425$ for licenses on SS bikes, 633$ for standard bikes.
Was around 350$ 5 years ago before they started splitting categories (super sports and standard).
 
Just paid 250 for 6 months, first bike no accidents. I'm 30' also had 1 small accident 2 years ago. $500/500 on the deducts.
 
paying $408 for 6 months with state farm. 25 yrs old with a ticket on my record and riding in Vegas. better than the $2168 that allstate wanted, and the $1640 a year progressive wanted. Also for laughs nationwide quoted me 7500 a year. suggest those looking at the FZ8 look at insurance quotes before pulling the trigger with it being such a new bike i think the insurance companies haven't decided what to think about it yet besides seeing the super sport tag that place on it.
 
trimyantidrug said:
paying $408 for 6 months with state farm. 25 yrs old with a ticket on my record and riding in Vegas. better than the $2168 that allstate wanted, and the $1640 a year progressive wanted. Also for laughs nationwide quoted me 7500 a year. suggest those looking at the FZ8 look at insurance quotes before pulling the trigger with it being such a new bike i think the insurance companies haven't decided what to think about it yet besides seeing the super sport tag that place on it.
Click to expand...

I've been with State Farm since I started driving... however, it seems that in the state of Texas (just moved here) that a lot of jackholes buy motorcycles and wreck them, and total them out with the insurance companies here, so insurance is RIDICULOUS... +1 on the companies not knowing what to think about the FZ8, I disagree with the "HIGH PERFORMANCE" tag they put on it. I ended up going to progressive because they beat my State Farm quote... I kept my cars and house with SF though.


I am planning on picking up an FZ8 within the next two weeks depending on when I get the money from selling my last bike, and I was quoted about $1000 a year. 40yo, no tickets currently on the record, been on a bike since 1991, got rear-ended on my last bike at less than 5mph, but luckily I talked the insurance agent out of totalling the bike out. Virginia doesn't like junkyard titles.
 
im 21 and mine is $810 a year for full coverage with american family.

but i also have a honda shadow, and my car on my policy for a discount.
 
insurance

I'm with State Farm, 28 years old, clean record and I pay $15 a month or $180 a year full coverage $500/$500 deductable... I feel quite fortunate compared to what some of you are paying!
 
INSURANCE COSTS

Contemplating buying an FZ8 so I found this site to see what others think, have modded and just general interest.

For me:
Age 52 - riding for over 27 years
Record Clean - for now
Georgia - ATL
$618/year
 
+1 for State Farm!!! and +1 again for knowing there is at least one other rider in Wisconsin on the work of art that is the FZ8!
 
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