Trying not to be dumb . . .

Message

tymanthius · Thu Dec 11, 2008 5:45 pm

I called on insurance, and for just 50/100/50 liability (state min is 10/20/10), it's only about 100 for 6 mos. Full coverage w/ a 250 deductible is about 500 for 6 mos for me. That's thru USAA, haven't tried anyone else as USAA is very nice to me.

That was specifically on an '03 BMW 650. If those are more expensive, then I'm glad I priced the 'high' ones.

JC Viper · #12 Unread post by **JC Viper** » Thu Dec 11, 2008 7:39 pm

Grey Thumper wrote:
JC Viper wrote:The dings and scratches added character to the bike and weren't bad, but I decided against it because of the BMW name affecting my insurance regardless of it being a tame and safe bike with a bit of mileage and age.

BMW and Ducati are going to be costly to insure and anything with an R or SX or anything agressive will do the same, especially when 18 - 24 is next to the drivers age.
Serious? Wow. I'm pretty lucky my insurance company just sets a premium based on my age and my bike's current value, regardless of brand or style of bike.

Sport bikes are the most stolen and involved in speeding incidents. High end brands are the most costly to repair in an accident and also stolen.

Lion_Lady · Sun Dec 14, 2008 9:51 am

Actually, I'd be surprised to hear that BMW motorcycles are frequently stolen.

They're such a "niche" bike. Not a big re-sale/parts market few pricey add ons they're certainly not sexy. I'd think they'd be equivalent in desirability to a Ford sedan.

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tymanthius · Sun Dec 14, 2008 10:23 am

Lion_Lady wrote: I'd think they'd be equivalent in desirability to a Ford sedan.

P

My former Brother-in-law works for the DC cops. He was instrumental in catching a set of car thieves that had been plaguing the area. Guess what the most stolen car was?

Ford Taurus. I think blue was the favorite color.

JC Viper · #15 Unread post by **JC Viper** » Sun Dec 14, 2008 1:50 pm

Lion_Lady wrote:Actually, I'd be surprised to hear that BMW motorcycles are frequently stolen.

They're such a "niche" bike. Not a big re-sale/parts market few pricey add ons they're certainly not sexy. I'd think they'd be equivalent in desirability to a Ford sedan.

P

Being in the city with high rate of accidents and insurance rates the luxury brands are often the most expensive to repair. Sport bikes are just plain stolen or wrecked. Cruisers are safer to these beancounters.

Tennif Shoe · Mon Dec 15, 2008 12:01 am

first things first ............rider saftey course!!!!!!!!!!!!!!!!! then bike

tymanthius · Mon Dec 15, 2008 9:08 am

Getting back to topic, I live in Baton Rouge, La. Does anyone have recommendations of a shop or dealer I should check?

Lion_Lady · Mon Dec 15, 2008 11:54 am

JC Viper wrote:
Lion_Lady wrote:Actually, I'd be surprised to hear that BMW motorcycles are frequently stolen.

They're such a "niche" bike. Not a big re-sale/parts market few pricey add ons they're certainly not sexy. I'd think they'd be equivalent in desirability to a Ford sedan.

P
Being in the city with high rate of accidents and insurance rates the luxury brands are often the most expensive to repair. Sport bikes are just plain stolen or wrecked. Cruisers are safer to these beancounters.

One reason I own boxer BMW. Amazingly simple to work on. Parts can be a bit pricey, but there are a couple used sources for big ticket items, as well as the beemer owner network.

As for finding a good dealer/shop, you might try asking your question on craigslist (Baton Rouge)

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