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Discussion Starter · #1 ·
It's bound to happen. INSURANCE. I'm from Canada so insurance definitely sucks up here for anyone under 25 (me). I paid around $1250 a year for my Ninja 250 a year ago and am currently paying even more than that (don't even ask) for my CBR600RR. I'm

It's bound to happen. INSURANCE. I'm from Canada so insurance definitely sucks up here for anyone under 25 (me). I paid around $1250 a year for my Grom 250 a year ago and am currently paying even more than that (don't even ask) for my CBR600RR. I'm going to be putting my gf as secondary rider for the Grom 125 and that raises the price even more. This is going to be her first motorcycle and her driving record won't allow her to get affordable motorcycle insurance in Canada.

Anyone else have insurance woes?
 
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Discussion Starter · #2 ·
No insurance required in my state for motorcycles so I am not sure.. I have never had it before on any bikes I own... Because its not required in my state most dont get it so the prices are pretty crazy.. I owner a Honda Ruckus Scooter and they wante

No insurance required in my state for motorcycles so I am not sure.. I have never had it before on any bikes I own... Because its not required in my state most dont get it so the prices are pretty crazy.. I owner a Honda Ruckus Scooter and they wanted $2000 a year for it!!! It only cost $1250 new!! And a Honda Ruckus is classified as a moped in my state not even a motorcycle..
 
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Discussion Starter · #3 ·
I was actually surprised. Although I'm not a US citizen, I do have a US driving/motorcycle license. I got quoted a reasonable $250 per year 3rd Party Insurance (the lowest policy and coverage) and $800 per year for the full coverage.
I took my test


I was actually surprised. Although I'm not a US citizen, I do have a US driving/motorcycle license. I got quoted a reasonable $250 per year 3rd Party Insurance (the lowest policy and coverage) and $800 per year for the full coverage.
I took my test in 2011 and this will be the first bike I put on the license. They can't use any of my UK riding experience or out of country riding policies I've had in the past.
I honesty expected worse.
I'm 24, if that helps?
 
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Discussion Starter · #4 ·
[QUOTE="cbzdel, post: 314"]No insurance required in my state for motorcycles so I am not sure.. I have never had it before on any bikes I own... Because its not required in my state most dont get it so the prices are pretty crazy.. I owner a Honda Ruckus Scoo

No insurance required in my state for motorcycles so I am not sure.. I have never had it before on any bikes I own... Because its not required in my state most dont get it so the prices are pretty crazy.. I owner a Honda Ruckus Scooter and they wanted $2000 a year for it!!! It only cost $1250 new!! And a Honda Ruckus is classified as a moped in my state not even a motorcycle..
I think the Ruckus is full of cool. I really want one..
 
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Discussion Starter · #5 ·
Liability, which is all that is required in most states is not expensive. I pay $96 a year on two bikes ($80 on the first one and $16 for the second). It's comprehensive and collision that is expensive. I also only have liability on my cars. If I wre

Liability, which is all that is required in most states is not expensive. I pay $96 a year on two bikes ($80 on the first one and $16 for the second). It's comprehensive and collision that is expensive. I also only have liability on my cars. If I wrecked a car or bike, I would just have to buy a new one, however, I can afford to do that. In the meantime it has saved me thousands over the years. Turns out the people that need insurance the most are people who can least afford it. That's called a Catch 22, after a book by the same name. Same with bank loans. People who do not need a loan could easily obtain one, but people who need money often cannot...Catch 22.
 
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Discussion Starter · #6 ·
Age 32, male. Florida, was quoted full coverage for $180 yr. Progressive

Age 32, male. Florida, was quoted full coverage for $180 yr. Progressive
 
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Discussion Starter · #7 ·
I would pay $180 a year for full coverage even though its not required here in WA...

I am not worried about crashing so much, not saying it wont happen, just keeping my fingers crossed that I make it safely whereever I am going, what I mean is I am


I would pay $180 a year for full coverage even though its not required here in WA...

I am not worried about crashing so much, not saying it wont happen, just keeping my fingers crossed that I make it safely whereever I am going, what I mean is I am more worried about getting it stolen or hit while it is parked than crashing it...
 
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Discussion Starter · #8 ·
$180 for full coverage sounds more like a 6-month premium, but if it is for a year, grab it, if that's comprehension + collision with no deductible. I have Progressive too by way of USAA. Because USAA does not insure motorcycles, they refer you to Pr

$180 for full coverage sounds more like a 6-month premium, but if it is for a year, grab it, if that's comprehension + collision with no deductible. I have Progressive too by way of USAA. Because USAA does not insure motorcycles, they refer you to Progressive and we are given slightly lower rates by Progressive which tracks you as a USAA member.
 
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Discussion Starter · #9 ·
I am paying $266 a year for full coverage with a $100 deductible on comprehensive (theft) and a $1000 deductible on collision. This is through Progressive for USAA members and I have a discount for being an MSF instructor.

I am paying $266 a year for full coverage with a $100 deductible on comprehensive (theft) and a $1000 deductible on collision. This is through Progressive for USAA members and I have a discount for being an MSF instructor.
 
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Discussion Starter · #10 ·
[QUOTE="dkw12002, post: 339"]$180 for full coverage sounds more like a 6-month premium, but if it is for a year, grab it, if that's comprehension + collision with no deductible. I have Progressive too by way of USAA. Because USAA does not insure motorcycles,

$180 for full coverage sounds more like a 6-month premium, but if it is for a year, grab it, if that's comprehension + collision with no deductible. I have Progressive too by way of USAA. Because USAA does not insure motorcycles, they refer you to Progressive and we are given slightly lower rates by Progressive which tracks you as a USAA member.

That's why I do too...

Mine is $260 a year with a $100 theft deductible.

For comparison a CBR1000RR would be over $6,000 for the same coverage
 
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Discussion Starter · #11 ·
$1250/year for insurance is crazy! Pretty much 1/2 the price of a Ninja 125.

$1250/year for insurance is crazy! Pretty much 1/2 the price of a Grom 125.
 
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