Total Motorcycle Community Forums

I am looking at buying a new R1. I heard that if you stay 600cc or below insurance will be alright, but if you go above 600cc then it is outrageous. Is this true?

It mostly depends on your age and where you live.

You just have to get a quote to find out. Quotes are free, give your ins. company a call. Let us know what they tell you

sparrow wrote:Definitely check out State Farm if you haven't already done so. I think
there's almost a consensus that they have some of the lowest rates around.

Full coverage on my Suzuki V-strom 650 at $167, and $208 for full coverage
on my Yamaha FZ1. Of course that's with 1k deductibles. Just doesn't pay to
make small claims these days.

-Sparrow

Yes they are the lowest, I have State Farm too, but even full coverage means on the bike and not you, they offer NO medical coverage; that's why it's so low. I have full coverage on an '05 Honda for $400/yr. They only ask make, cc's and year, they don't care what modle it is.

how much well it cost for a 16 year old with a 250 ninja year 98 and how much well it cost as I take the safety corse and get my m2 and my full am i just can't find out a good estimate on how much it well cost im hoping someone well be able to give me a good idea on how cheap i can get this for jus basic coverage

Does completing, or not completing the MSF course affect insurance costs in any way? I was j/w...I plan on taking the course no matter what, but I was just curious if you would get a lower rate for completion of the course.

Age is the single biggest factor in the price of bike insurance. Downstream are the type of bike, and how you pay for it. I don't know where the cut-off points are, so it is wise to consult an insurance agent before putting a down payment on that Busa..

Is it the higher the down payment, the less the insurance cost? It seems this would make sense, but I'm not sure. I'll call and check it out too.

Also, how do you insert the box that displays what someone else said in your own post...like if you wanted to add to something said, or agree with someone's comment?

Maverick33 wrote:Is it the higher the down payment, the less the insurance cost? It seems this would make sense, but I'm not sure. I'll call and check it out too.

Also, how do you insert the box that displays what someone else said in your own post...like if you wanted to add to something said, or agree with someone's comment?

Just hit the "quote" button in the upper right hand corner of the post you want to quote.

Most ins companies do give a discount for MSF. If you are financing a bike, it doesn't matter what your down payment is (usually). If the bike is financed, the bank wants full coverage on that thing til it's payed off.

Thanks...also, I've heard that if you stay 600cc or below (in any bike) that your insurance will be reasonable, but if you go over 600 then it becomes pretty outrageous. Is this typical for any rider (regardless of age), anywhere?[/quote]

No.
I asked Progressive about me moving up to a 1200cc cruiser.
He said the insurance would go up a tiny amount based on the greater value for the bike itself. But, the basics give me a low insurance premium: 48 years old, cruiser (not sportbike), state of Missouri.

Now, if you are under 25, and get a powerful sportbike, they were talking $4,100 per year......