27 year old, What am I looking at paying? Any brokers on here? | GTAMotorcycle.com

27 year old, What am I looking at paying? Any brokers on here?

M

moosehead

Member
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So I'm Male 26 now (turning 27 in April).
Live in King City
Got my G1 when i was 16,
G2 when i was 17
Got G Feb 6th, 2013 (yes I know, I was dumb for keeping it off).
Got M1 Feb 6th, 2013.
Doing RTI course when they start it up again in March or April.

1 accident when I was 18 or 19, not at fault.
1 speeding ticket (10 over) when I was 20.
1 administrative suspension for not paying a fine (one mentioned above) when I was 20.

Bike will be a ninja 250r (don't know year as I have not bought it yet but will be an 04-12)

What am I looking at paying and are there any brokers on here that I could call that would give me quote?

I may have a car to bring over if it calculates to a total lower cost.

Any other information needed to give a more accurate estimate?

Thanks.
 
Just call any broker/agent, there are many advertisements floating around GTAM. Nothing will give you a better (or more accurate) estimate than just a call.
 
moosehead said:
and disable adblocker? nice try, advertiser.
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Lol, like it has any benefit to me....

It was a simple suggestion where you could get many quotes for insurance that specialize in motorcycles. Its like saying "Oh! I see an advertisement so they must be bad and greedy so I'm not going to call..". Smart...:rolleyes:

Of course, doing the logical thing is the root of all evils.
 
TD gave me a good rate for my 250. I was also 27 when I started riding and had a 2011 250, paid $1050 for the year. I switched over to State Farm when I got my R6 and they gave me a good quote too. I would suggest those two companies. Just a heads up, State Farm only considers your G driving record, they don't base their quotes on a riding course or your M status. Hope this helps. Cheers
 
As far as your record goes, your accident may be the only thing still on your record, even that may be off because they stay for 6 years. As far as the price it shouldn't be too bad for a ninja 250...
I pay 1800 at 22, so you can subtract about 40% because you're over 25 and you'll get a rough estimate...
 
LoneRonin said:
As far as your record goes, your accident may be the only thing still on your record, even that may be off because they stay for 6 years. As far as the price it shouldn't be too bad for a ninja 250...
I pay 1800 at 22, so you can subtract about 40% because you're over 25 and you'll get a rough estimate...
Click to expand...

He also said not at fault.
 
Seems like you have a clean record, I'm guessing about $50/month for the 250 atleast thats what I was quoted. Ended up getting a CBR600 for $112/month with Statefarm
 
First quote I got from SF. Should I keep shopping around or is this pretty good?

2004, 250cc bike, $1Million Liability only = $620.11/yr or $51.68/mo.
2004, 250cc bike, $1Million Liability, $500 Collision, $500 Comprehensive = $698.94/yr or $58.25/mo.
2012, 250cc bike, $1Million Liability only = $627.05/yr or $52.25/mo.
2012, 250cc bike, $1Million Liability, $500 Collision, $500 Comprehensive = $736.56/yr or $61.38/mo.
 
moosehead said:
First quote I got from SF. Should I keep shopping around or is this pretty good?

2004, 250cc bike, $1Million Liability only = $620.11/yr or $51.68/mo.
2004, 250cc bike, $1Million Liability, $500 Collision, $500 Comprehensive = $698.94/yr or $58.25/mo.
2012, 250cc bike, $1Million Liability only = $627.05/yr or $52.25/mo.
2012, 250cc bike, $1Million Liability, $500 Collision, $500 Comprehensive = $736.56/yr or $61.38/mo.
Click to expand...

Those are really good quotes but it doesn't hurt to shop around if you haven't already. What have you got to lose other than another 5 or 10 mins on the phone or writing an e-mail?
 
just don't cheap out on the collision/comprehensive, I don't know why people do, for the price of a pack of smokes or a few coffees...
 
LoneRonin said:
just don't cheap out on the collision/comprehensive, I don't know why people do, for the price of a pack of smokes or a few coffees...
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What LoneRonin said... Especially for comprehensive. Based on your quote, you're probably paying like $2 a month for comprehensive coverage. Better than worrying about someone stealing your bike as it tends to happen a lot during riding season. I pay about $10 a month for comprehensive just for piece of mind cause theres a good chance that I may be leaving my bike outside for long periods of time.
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