Better options?

XenoVibe

XenoVibe

Well-known member
Hello, I am looking for the lowest insurance rates I can find, like most everyone here! I will be 25 by the time my policy needs renewal and was informed by TD that my insurance rates wouldn't be discounted and could possibly increase at time of renewal. Apparently their prices fluctuate so much you'd think they were using a random number generator/slot machine. I was wondering if there will also be a suggested insurance brokers list for 2013 as I've talked to a few of the suggested ones from older posts but some like Avi Singh are out of the game.

I am a 24 y/o, Male, GM License, $617/year Liability only coverage for a CBR125R through TD Auto. I've had a license for both for 8.5 years actually had LSV restriction removed from my license recently. I've had insured vehicles under my own name; car for 8 years and motorcycle almost 2 years (Moped at 16 for a year, motorcycle this year since March) I want to upgrade to a first gen YZF-R6 and looking for suggestions on which brokers are able to give me the best deals as I will be calling up lots of places tomorrow (already contacted many different StateFarm agents and best quote was around $1800 for just liability. I am not willing to include my car into the insurance because I'm already paying nothing through a family package that doesn't offer motorcycle policies.
 
SF might be your best option, If you did bring your car to them it would be about $1000/month.
Although I am in Kitchener and my SF policy was around $1400 w/o my car.
 
Seamus Kelly had the best rates when I shopped around 2 days ago.
Also called Home to Chrome, Riders Plus
 
Sorry forgot to update the thread. Seamus Kelly has given me the best rates so far at $120/month once I hit 25. Probably going to stick with the CBR125R for another season.
 
XenoVibe said:
Sorry forgot to update the thread. Seamus Kelly has given me the best rates so far at $120/month once I hit 25. Probably going to stick with the CBR125R for another season.
Click to expand...

Wow, thats still a lot considering you hit 25.
I'm assuming you don't have a car.. I was paying $125/month with Seamus Kelly at the age of 21 (last year) with 1 at fault claim in a car and 1 minor ticket (stand alone bike policy but it was my 2nd season).
My bro was paying like $60/month for his cbr125 when he was 23/24 years old bundled with his car clean record with SF.
 
I've been waiting to turn 25 forever for the discounts, but my car insurance went down only by $8/month with TD angry9:It sucks, but then I guess I shouldn't complain if I'm paying $113 only :)
Waiting for the Feb for the moto renewal.
 
The only markets that come to mind for a stand-alone 600cc are State Farm, Aviva, and Allstate. Try getting quotes from each one, that way you're satsified with whatever you do end up paying :)
 
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