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Old April 8th, 2014, 07:11 AM   #11
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Not a bargain in the US.

Allstate quoted $383, with vanishing deductible and all that jazz. Most of the companies are still have trouble getting solid information on the model. Oh, and all Ducati's are considered "Sport" bikes in the insurance world...
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Old April 8th, 2014, 08:32 AM   #12
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175 euro for one year!
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Old April 8th, 2014, 01:00 PM   #13
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That sucks, I have been with Geico for along time and just added my HS for $280. I hope they don't do that to me also.
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Old April 8th, 2014, 06:22 PM   #14
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When I signed on with Geico a year ago, the rep couldn't find the bike in his system for building a quote but knew his stuff and I thought it was fair. The reason for bumping was something along the lines of "we realized we had not evaluated your motorcycle properly and were under charging..." I immediately knew I was dropping them.

I will add that I had most of the minimum coverage options, even some I didn't need, like uninsured motorist coverage.

For my Allstate plan, I cut some of the fat. I paused at the uninsured motorist premium and thought, "why?" I already pay for half this country to do nothing; fuck em if they buy a vehicle they can't insure.
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Old April 8th, 2014, 07:10 PM   #15
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Quote:
Originally Posted by gatdammit View Post
For my Allstate plan, I cut some of the fat. I paused at the uninsured motorist premium and thought, "why?" I already pay for half this country to do nothing; fuck em if they buy a vehicle they can't insure.
I'm no insurance expert, but isn't that coverage so you get paid even if the uninsured driver is at fault? You use a tort system for insurance down there, so cost recovery comes from lawsuits....and if duse can't afford car insurance, he probably can't afford to pay you...
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Old April 9th, 2014, 01:33 AM   #16
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Quit your yappin'! I'm paying $1,450/yr with Foremost. Just be happy you're only paying what you are! I live in CA and never had an accident nor a ticket and spotless record. Working against me is I'm a single 20 something guy with only few years riding experience.
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Old April 9th, 2014, 03:22 AM   #17
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I Ride: 2013 Ducati Hyperstrada, 2004 Ducati S4R 1000 Monster, Honda CRF50
I pay $1351.00 a year for the Hyper and a Monster. With full replacement value for 4 years on the Hyper. Full coverage on both.
I'm 40 no accidents,claims or tickets.....yet!
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Old April 9th, 2014, 07:40 AM   #18
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Sometimes it pays to be old (besides the Social Security income)...we have two cars, a pickup, and four bikes insured with State Farm. With various discounts it runs $3600/year for all of them, for both me and the wifey. Her driving record is not perfect, either. But loyalty is rewarded; we've been with them for 35 years.

However, I dropped collision coverage on the bikes 15 years ago. I found out the hard way that State Farm wants all the claim payment back plus more right away. I had two small 'incidents' in a row (one was a bent wheel on my Triumph Trophy 3) for under $1100 total and they bumped my pickup to $4000 a year. My (ex)agent gave me bad advice; took quite a while to clear that up. Now if I break it, I fix it. We don't have more than minimum liability coverage on the bikes, either. Both of these are real money savers if you can handle a bit of risk. We do ride bikes, don't we?

OTOH we have zero deductible on comprehensive coverage (four wheelers) as we lose a windshield to stone damage every year or two. It also took care of $1500 worth of rodent damage to my pickup last year...at no cost to us.

We have our homeowner's and earthquake coverage with them, too. Our current agent even rides!

Last edited by zippy49; April 9th, 2014 at 07:45 AM. Reason: more advice
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Old April 9th, 2014, 07:52 AM   #19
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Quote:
Originally Posted by suprphreak View Post
I'm no insurance expert, but isn't that coverage so you get paid even if the uninsured driver is at fault? You use a tort system for insurance down there, so cost recovery comes from lawsuits....and if duse can't afford car insurance, he probably can't afford to pay you...
+1 this is mandatory coverage here in Cali. What, you don't have unlicensed and uninsured drivers in Florida?

We don't pay for any medical coverage in this case, but we have a great Kaiser plan already.
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Old April 9th, 2014, 06:22 PM   #20
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Renewing this month

Texas, State Farm, $272 for 6 months full coverage. Clear record and have been with them for years.
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