Rider Club Motorcycle Insurance

[rugaluga]

anybody use this company for insurace coverage on their bike?
I got a quote from them for $367 a year. Wht do you guys think?

1) 2005 KAWA NINJA 250 248

Bodily Injury $50,000 per person/ $100,000 per occurrence
Property Damage $25,000
Passenger Liability $15,000 per person/ $30,000 per occurrence
Uninsured Motorist BI $30,000 per person/ $60,000 per occurrence
Comprehensive $250 Deductible
Waiver Of Collision Deductible $250 Deductible
Accessory Coverage - First $1500 No/Charge $1,500

[MattL]

Sure looks reasonable to me. Howere you didn't tell us anything about you're driving record, where you live, etc.

[sharpmagna]

I would raise the deductible because this will lower your monthly premium.

If you get into an accident, more than likely your bike will get totalled. If it is someone else's fault, then the deductible will be paid by the other party. If it is your fault and you want the bike repaired then you have to pay the deductible, and the Insuarance company will foot the rest of the bill. If it is only small repairs, you could probably pay the bill yourself and not even involve the insuarance company.

[ninja79]

that's actually very cheap. Where did you find this?

[NorthernPete]

I want insurance that cheap..I pay 2200 a year.

[rugaluga]

Hey guys well I'm 26 and have a clean record for the past three years . Only thing against me is I'm a new rider and have only completed the MSF course.

here's the link for the insurance company

http://www.riderreport.com/services/gmac/index.cfm

if you go to the link below you can get some great info including links to other insurance companies:

www.californiabikenights.com\learn

[CrioGeniC]

I was doing some research online last night with Progressive.com on various different bikes and boy was I suprised.

My wife and I were looking at getting a couple of 06 Ninja 250s to start out on and the quote I received was 808.00/per year for both bikes.

Now if I step up to a couple of 06 Honda Shadow Aero 750s, my insurance will drop to 390.00 / year for both bikes.

I have been calling a couple of people from cycletrader.com that had bikes for sale in my area and never recieved one call back, so I am guessing the bikes are gone as soon as they are posted. I did do a quote on a really nice 03 Shadow Aero that I found and for a single bike with my wife and I both listed as insured drivers and it came back as 140.00 / year.

The way things are going around here, used bikes are going so quick it is really hard to come across a decent deal so we might as well buy new than used.

Come to find out, we get more of a discount, 15% for owning a house, than we get for completeing the MSF class, 10%. Will never understand that one.

Btw, I am in SE Virginia, if anyone one was wondering.

Hope to be riding one of these days, if i can ever be quick enough to get my hands on something.