Under 25 with a sport bike...what do you pay?
- Thread starter Militarii
- Start date
Militarii
Well-known member
That is a great quote. Could you PM me the agent you used?
Militarii
Well-known member
wow that`s a ridiculously low quote. Did you have your car with them for a while before getting the bike?
TheNewDude
Well-known member
The only thing I can think of is that he's owned really old 600s?
I am 32 and I can't even get that low of a quote on a 2012 600. I was quoted $130/month by State Farm. (I don't have any other insurance with them.)
Militarii
Well-known member
You`re probably looking at half of what i`m paying, so 1500-2000. But this is just an assumption. Call in to get a quote don't waste your time with internet quotes.
With State Farm, you start low because they consider your car and bike experience as one and the same. This is unique to State Farm -- most other companies will start you off at 0 yeras of bike experience. Moving from 6 years of SF experience to 7 years of SF experience will not result in much of a decrease. If anything, you'll likely see an increase to to the overall inflation of claims costs.
Check out the New Riders section on why a supersport isn't a beginners bike. I tried learning on a ZX6R last year, and I regret every second of it. It made me not want to ride anymore and I actually gave up on it and didn't bother with my M2. Now this year I've had a change of heart after playing around with a couple friends' smaller bikes. Everyone has different experiences and it's a hotly debated topic but ultimately starting on an SS is a much steeper learning curve than starting with something with more low-end and mid-range power, that doesn't fly into the high rpms early on you.
Look at a GS500f or an SV650 and you won't regret either one unless all you're going for is "oooh it's a supersport"
This is an 06 Sv650:
If you put full fairings on it it gets a much more aggressive SS look to it while still having manageable power.
Bingo. Mistakes on a modern SS bikes are amplified. All new riders, no matter how awesome, skilled, and careful they claim to be, will make mistakes. I've been riding a while and I still mess up every now and then. OP, I strongly suggest you start off with a smaller bike. For your first bike, you should be less concerned about the looks and more concerned about it's appropriateness for a beginner rider. There will be lots of time to upgrade in the future, and this gives you something to work towards and look forward to
By bundling your car with SF, your bike premium will drop nearly 40%.
TheNewDude
Well-known member
The problem with that is the money i save with the 40% discount they make up on the car and home.
The quotes I get from State Farm for my home and car easily nigate the 40% bike discount. So that's why I haven't shifted my Home and Car to them.
Certainly -- I was just trying to explain why some people's SF motorcycle premiums may seem significantly less than yours. They are most likely combining an auto policy. You are absolutely correct that the discounts are sometimes not significant enough to make you bring your other business to SF.
Wow, that's a lot of $$$ to be spending on a bike :S
I didn't even consider a SS bike until after I turned 25yo.
DarylinAjax
Well-known member
Would it make a difference if you gave an insurance company other business as well?
Also, IMHO you would be better off to throw the SS in storage and buy yourself a smaller, older bike till you hit the big two five. I ride a 95 XR650L (duallie) and it's a blast.
I'm much older so don't have to worry much about age discrimination when it comes to bike insurance; I am stunned by what you younger guys are paying. $4K-$5K a year?!?! WTF!
I already had two cars insured under Desjardine when I insured my bike through them. My insurance is stupid-low compared to all the other quotes I see on this thread. I pay $348 per year (not a typo, $348 per year) for $1 million liability and it includes comprehensive, no collision though.
45
G M
license for 25+ years
no tickets
95 Honda XR650L
$1mm 3rd party coverage + fire and theft
$348
Ajax
Also, IMHO you would be better off to throw the SS in storage and buy yourself a smaller, older bike till you hit the big two five. I ride a 95 XR650L (duallie) and it's a blast.
I'm much older so don't have to worry much about age discrimination when it comes to bike insurance; I am stunned by what you younger guys are paying. $4K-$5K a year?!?! WTF!
I already had two cars insured under Desjardine when I insured my bike through them. My insurance is stupid-low compared to all the other quotes I see on this thread. I pay $348 per year (not a typo, $348 per year) for $1 million liability and it includes comprehensive, no collision though.
45
G M
license for 25+ years
no tickets
95 Honda XR650L
$1mm 3rd party coverage + fire and theft
$348
Ajax
Militarii
Well-known member
wow..never thought i`d say this..but i can't wait to be 45 haha
El Gato Liso
Member
im 24
1 at fault accident when i was 19
G license since i was 18
M2 since oct 2011 *statefarm don't give a **** what class you hold M1 M2 or M...size of bike is all that matters.*
2005 CBR 600RR
im paying 340$/month living in brampton, liability only. I put comprehensive on it so that way my bike is covered if it got taxed...afterall i live in brampton....
statefarm quoted me at 105$/month when i turn 25...o m g.
1 at fault accident when i was 19
G license since i was 18
M2 since oct 2011 *statefarm don't give a **** what class you hold M1 M2 or M...size of bike is all that matters.*
2005 CBR 600RR
im paying 340$/month living in brampton, liability only. I put comprehensive on it so that way my bike is covered if it got taxed...afterall i live in brampton....
statefarm quoted me at 105$/month when i turn 25...o m g.
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youre making me feel better about getting my bike next year.
2 tickets will drop off
just over 25
should be interesting
*grinch smile*
