Full Coverage Insurance - A Survery

[-Holiday]

I'm really interested to know what people pay for full coverage on your motorcycles. I finally have a bike that is not an OLD POS and so, I'm going to upgrade to full coverage on it. Currently I just have liability, and I pay $77 a year. So if you're willing to give such info, post up the following. I'll do mine first.

Age: 30 (in two weeks)

Bike Make Year Model: 2000 Suzuki Bandit 1200S

MSF Course?: Yes

Years Riding: about 9, but I didnt have my full license until a year and a half ago

Type of Coverage (Just Liability, full, etc): Liability only

Yearly Rate: $77

Accidents? No

Where do you live? USA, PA

If you want you can even post what company you use, so maybe other people shpping around can check them out if you have a really good rate. I have a friend who is a new rider, riding a new VTX1300 (I know, big for a newbie, i tried to tell him), and he's paying$300 a year for full coverage. I guess you might also have a lower rate if you have a multi car discount, but I'm not sure on that since technically, a motorcycle isnt supposed to be on the same policy as a car.

If youu arent comfortable posting this info, no worries

[Kaiser Soze]

Age: 32
Bike Make Year Model: 2006 Suzuki GSX-R750
MSF Course?: No
Years Riding: 7
Type of Coverage: Full coverage
Yearly Rate: $700
Accidents? No
Where do you live? Alberta, Canada

I called every insurance place in the city. Only two would even give me a quote, with the rest saying this bike was on a "restricted list" and couldn't insure me.

I got this from State Farm. The other company wanted $1400 and I would have had to get an alarm installed for about $700, and no monthly payments, either; all up front. I'm paying about $60 a month for the State Farm policy.

[CNF2002]

Age: 26
Bike Make Year Model: 2002 Buell Blast
MSF Course?: Yes
Years Riding: 1
Type of Coverage: Liability
Yearly Rate: $112
Accidents? No
Where do you live? Texas

[tex1230]

Age:36

Bike Make Year Model: 2006 Triumph Bonneville

MSF Course?: Yes

Years Riding: 20+ but just got my license back a few weeks ago when I bought this bike after a few years off

Type of Coverage (Just Liability, full, etc): Full coverage and then some...

Yearly Rate: $535

Accidents? No

Where do you live? USA, CT

Geico insurance - they were MUCH cheaper than Progressive. check around - different states can vary alot between companies

[NorthernPete]

Age: 27
Bike Make Year Model: 2006 Kawasaki Vulcan 500
MSF Course?: No
Years Riding: 1
Type of Coverage: Full (Financing bike)
Yearly Rate: approx $2000 a year
Accidents? No
Where do you live? Ontario Canada

My rate will drop next year when I get my full liscence though.

[Scott58]

Age: 48

Bike Make Year Model: 2005 Suzuki Boulevard S50

MSF Course?: No

Years Riding: about 31

Type of Coverage (Just Liability, full, etc): Full

Yearly Rate: $283

Accidents? No

Where do you live? USA, In


2005 Honda Rebel
ful coverage yearly rate. $185

[MikeyDude]

Age: 49

Bike Make Year Model: 03 Harley Davidson FXD

MSF Course?: N/A (yes)

Years Riding: This time... less that 6 months

Type of Coverage (Just Liability, full, etc): Full coverage minus uninsured/under insured... getting that next time around.

Yearly Rate: $470

Accidents? No

Where do you live? Texas

Progressive... they were even cheaper than Dairyland

[Flak Monkey]

Age: 16

Bike Make Year Model: 1979 Kawasaki KZ650-B3

MSF Course?: Not yet

Years Riding: 0, just got my permit

Type of Coverage (Just Liability, full, etc): Liability only

Yearly Rate: $320

Accidents? No

Where do you live? USA, CA

Edit: Oops, you said full coverage. Well I only have liability. Sorry.
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Morphine Rehab Forum

[Shorts]

Age: 27
Bike Make Year Model: 2000 Honda VTR250
MSF Course?: Upcoming
Years Riding: <1
Type of Coverage: Liability
Yearly Rate: $75*
Accidents? No
Where do you live? Japan


*The cost depends on paygrade as well

[jimyed]

Age:43
Bike Make Year Model: 1980 KZ550,2002 V-Star 650
MSF Course?: YES
Years Riding: 2
Type of Coverage: Liability
Yearly Rate: $900
Accidents? No
Where do you live? Toronto Canada