New Rider Insurance question..

[ickis54]

So i want to get a bike in the next couple months. Just waiting for my DUI license suspension to end which will be in september.. I have never owned a bike and while i have experience riding quads i have never riden a street bike. But my question is, is it going to be possible for me to even get insurance with a DUI on my record? if so any suggestions with companies ?? I tried geico and the wont even insure me until three years after my DUI..

Thanks, Nick

[VermilionX]

try some others...

or try to those small time insurance companies... they might not be dependable when you need them but at least you can ride legally.

[slumps]

how much do you guys pay a month for insurance? Cause my mom doesnt want me to get a bike, she cant stop me now cause i don't live at home, so she keeps saying its so expsensive i am not going to be able to pay my rent.

[VermilionX]

usually, the magic number is 25.

once you reach 25yo, you get lower rates.

im paying $1600/yr for both my car and bike... around $980 of that is for my car (liability only) and the rest is for my bike (full coverage).

i could have gotten it even cheaper but i got a ticket.

as you can see, my car is old and only liability but im still paying a lot more for it compared to my supersport bike w/ full coverage.

[jonnythan]

I'm paying $452 per year on an '87 Yamaha XV535. This includes collision and comprehensive ($250 and $100 deductables respectively), passenger medical payments, uninsured motorist, $25k basic economic loss, and 50/100 liability.

I'm 25 and have no motorcycle experience but [will have] taken the MSF course. I do not have any tickets or accidents on my driving record.

[M109R]

Call Progressive or go online www.progressive.com

They insure ANYBODY..esp DUI's

You pay thru the o-ring but they will insure you and they are great if you ever need to make a claim.

To save $$$ make the deductibles high (always check what the lower deduc is to make the decision)

Get a bike for $3-4k and just ride on liability. That will save you hundreds that you can put towards your next bike as your points roll off.

[MotoF150]

.. 1-800-SAFE AUTO . call them, do you own a house? How much is the house you own worth? Do you own an expensive car or truck thats paid off? how much is that worth? Can you afford $400 a month? Do you have any savings in the bank? Investments? call 1-800-SAFE-AUTO

[KingRobb]

i have my house, both our cars and both bikes thru state farm....as a result adding the harley (full coverage) only cost 330 dollars a year. all that and business insurance for her daycare is 1800 a year (all other vehicles are liability only)
granted i am 34 and have a good driving record (1 ticket) but
group your insurance and shop around....it pays off

[avoidalliteration]

Call Progressive or go online www.progressive.com

They insure ANYBODY..esp DUI's

...

Get a bike for $3-4k and just ride on liability. That will save you hundreds that you can put towards your next bike as your points roll off.

I'm a new rider as well (finished MSF this past weekend) and I got Progressive for my bike. I don't know about the DUI thing, you'll just have to take VTX1300C's word for it, but they were fast and best of all, you could do it all online. I agree with the cheaper bike/liability suggestion...I wasn't about to pay more than $400/yr on insurance for my $2000 bike, but I guess it depends on your willingness to take the loss if you get it stolen/in an accident. Also, liability-only is a standard cost by law (at least in NC), so it should cost you ~$100/yr.

[bok]

insurance will depend on so many factors other than the DUI that it is tough to give you an accurate estimate.

location, age, sex, driving record, age/type/size of bike, other insurance policies, type of coverage, how long you have held motorcycle license.

my 2001 shadow costs me like 140 bucks for a year for the basic insurance, the 97 ninja250 costs about 10 bucks more iirc.

The DUI is tough to get over, but not a complete show stopper, unless you also have so many tickets you could wallpaper your house with them as well