Total Motorcycle Community Forums

It was hell trying to get insurance for me. I'm 22 with a ninja 250 and was financing it through the bank. Insurance companies wanted anywhere from $1200 to $2200 a year (geckos can kiss my "O Ring"!). No way I was gonna pay the price of the bike every two years.

But the only reason I had to have full coverage was because it was financed. So my dad paid off the bike for me (couple thousand) and now I'm paying him. It's now $240 a year with Dairyland with liability and 10k medical. S'all good!

Please don't put your parents as the primary operators of the vehicle just for insurance breaks. This fraud raises rates for all of us.

Shop around, someone can get you a better price. Progressive was the cheapest bike-only policy at about $1,000 a year for liability on my '04 599. I moved my car over to State Farm along with my bike and pay $250 a year for comprehensive coverage on the bike. Country Insurance is also supposedly inexpensive. Check 'em out.

Skier wrote:Please don't put your parents as the primary operators of the vehicle just for insurance breaks. This fraud raises rates for all of us.

it's not fraud... his name will be there on the list of people that can legally operate the bike.

VermilionX wrote:

Skier wrote:Please don't put your parents as the primary operators of the vehicle just for insurance breaks. This fraud raises rates for all of us.

it's not fraud... his name will be there on the list of people that can legally operate the bike.

The only way to get an insurance break is if the other person is listed as primary driver. Unless they are the primary operator, it's fraud.

im a 20 year old dude and i finance an 06 R6. at this point full coverage is pretty much a fantasy. i say take whatever loophole you can with the insurance company. ive always had a problem with the fact that my rates are determined by statistics of other individuals similar to myself in terms of age, sex, and little else.

Skier wrote: The only way to get an insurance break is if the other person is listed as primary driver. Unless they are the primary operator, it's fraud.

never heard of that policy.

then just make it seem like his dad is the primary driver. but then, if they require a bike license and his dad doesn't have one, then it won't work.

VermilionX wrote:just make it seem like ..

Verm, "pretending" something to the insurance company in order to get a lower insurance rate is insurance fraud.

How did you get the bike registered without insuarance? In my state, you have to show proof of insuarance to get it registered.

Also, this should have been something you should have researched before buying.

jonnythan wrote:

VermilionX wrote:just make it seem like ..

Verm, "pretending" something to the insurance company in order to get a lower insurance rate is insurance fraud.

how is it gonna be different?

both his dad and him are legally able to use the bike. who cares who uses it more.

my car is under my name but on my insurance, it shows that anybody from my family can drive it. there's nothing stating that they can't use my car more than me.

It's not fraud. If it were, it would keep the courts quite busy because the parents of *EVERY* kid you see in their own car at age 16 would be guilty. I don't know many 16 year olds that carry their own policy, do you?