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Go Back   FZ1OA Message Board > FZ1 & Fazer Owners Association > Purchasing, Insurance, & Warranty

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Old 02-27-2009, 03:27 AM   #61
Biestie
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Yesterdays experience shopping for insurance.

Markel Bike-Line won't write a policy for an FZ1.

I got quotes for Dairyland and Progressive.

500 ded comp/collision
20/40/15 for liability
roadside assistance/towing
no uninsured motorist
no personal injury

Progressive $237 and Dairlyland $316

As I understand motorcycle insurance, your location has as much to do with it as your experience. The climate is part of it, but it's also how many bikes are getting lifted in your area.
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Old 02-27-2009, 12:38 PM   #62
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Just checked Geico, I have progressive. Geico=1400. Progressive on all three bikes (through a broker) 697.00 07' FZ1/07 FZ6/06 CB919. All have 1000 deduct
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Old 03-04-2009, 11:58 AM   #63
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I was finding some astronomical rates for my newly (soon to be) acquired FZ-1 and that got me thinking. What if I was 16, with my same driving record and wanted to get insurance on a Busa with nitrous? Here is the result!

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Old 03-04-2009, 12:03 PM   #64
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Well golly, Gman, they have to make a little profit!!
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Old 03-04-2009, 12:22 PM   #65
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I guess... I redid the quote for me at my real age of 32 and it wasn't much better. $21,000!!!
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Old 03-20-2009, 04:12 AM   #66
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I have a house in NC and my wifes house is in VA. I just got quotes from progressive and gieco. Both were about the same. NC = 1400 for 6 months. VA = 650 a year. Same coverage. Houses are only 10 miles apart.
Car insurance is 100 cheaper in NC though.
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Old 03-23-2009, 09:44 AM   #67
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Coming up for renewal on both my bikes, I decided to do some shopping based on this thread.

Been paying 750ish for min liability for both bikes (2002 FZ1, 1993 BMW)

Just got a quote from Dairyland for 750 a year for both bikes but:

1. Full comprehensive collisiion with a $500 deductible.
2. Fire, theft and vandalism coverage.
3. Higher liability coverages 25/50.
4. Uninsured motorist coverage.
5. Pilon coverage up to 50k.

The same coverage with GEICO came out to 2500 anually.

The Gecko can lick my taint, I switched immedietely.
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Old 03-23-2009, 01:38 PM   #68
saesph1
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Geico quoted me 2100/yr for three bikes I'm now insuring through Progressive for 490/yr. Go figure!
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Old 03-31-2009, 09:55 AM   #69
97gtpacecar
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Just Liability 50/100/50

399 with Geico for 1 yr
175 with Dairyland for 1yr

24 yr old, married
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Old 03-31-2009, 07:27 PM   #70
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All State $8 month liability, $28 month Full coverage. I also have my pick up, cat and renters. Very good rates!
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Old 03-31-2009, 07:28 PM   #71
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Talking

Oh, single 28!
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Old 04-03-2009, 01:46 PM   #72
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I have State Farm with my '06 Explorer and new '08 FZ1 for 120 for both/month.

Bike is 100 ded for comp. 500 for collision. 100/300/200.
Truck is 0 ded for comp. 500 for collision. 100/300/200
Was 32 for bike/mo. but got multiline discount so only 22/mo.
27, single, apartment, 1 ticket ever, two years ago.
Only 5000 mi/yr on bike though. Will go up a little when I have a longer commute from 5 mi/day to 90 mi/day in a month!!! Quoted $85 difference per yr. for 10000 mi/yr

Last edited by Wonger; 04-14-2009 at 12:03 PM.
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Old 04-05-2009, 06:56 AM   #73
FireBean
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Quote:
Originally Posted by giantrider69 View Post
All State $8 month liability, $28 month Full coverage. I also have my pick up, cat and renters. Very good rates!
Just to clarify... cat insurance.

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Old 04-06-2009, 08:48 PM   #74
drnknmnky13
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Quote:
Originally Posted by FireBean View Post
Just to clarify... cat insurance.

Fluffy is priceless.
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Old 04-14-2009, 04:12 PM   #75
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This thread got me thinking...I am a new rider (Have ridden 500 and 450cc dirtbikes for 6-7 years) and picked up my new (last years model ) 08 FZ1 last weekend.

I have USAA for car insurance and they sent me through to progressive.

For a 24 y/o, married, Southern California, BI and PD-25/50/25, UM-15/30, UM Property damage (no deductible, but only 3500 pay out) no collision and $1k deductible for theft/vand. my policy was $526/year.

Does this sound reasonable, or should I be shopping around?

Thanks,

Jeff
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Old 04-15-2009, 11:15 AM   #76
bjamick
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Hmm I just checked with Geico just to get a quote and they are showing a savings of around $800. I'm going to check into it just to make sure. My payment right now is $139/month for full coverage and everything that comes with it.
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Old 05-02-2009, 03:29 PM   #77
Elwin
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United Marine?

Unitedmarine.net

31, Married, 1 no-fault accident 3 years ago.

2006 YAMAHA FZ1
--------------------------------------------------------------------------
Required Liability Limits: Deductible: Limits:
========================================== =========== ===================
Bodily Injury $100,000 / $300,000
Passenger Liability $100,000 / $300,000
Property Damage $25,000


Optional Liability Limits: Deductible: Limits:
========================================== =========== ===================
Uninsured Motorist Bodily Injury $100,000 / $300,000
Uninsured Motorist Bodily Injury (Added) Not Covered
Medical Payments Not Covered
Uninsured Motorist Property Damage $25,000
Uninsured Motorist Property Damage (Added) Not Covered

Physical Damage Coverages: Deductible: Limits:
========================================== =========== ===================
Comprehensive $500 Covered
Collision $500 Covered
Safety Equipment Covered*
Emergency Road Side Assistance and Towing Not Covered

Custom Parts, Equipment and Accessories $3,000*
(see coverage details in the notes below)



Total Annual Premium $ 413.00


Anyone know anything about this company?
Thanks!!
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Old 01-15-2010, 07:35 AM   #78
ir1steve
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I am an Insurance agent in Michgan and I see rates from one extreme to another.
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Old 04-19-2010, 11:06 AM   #79
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Since I used to sell vehicle insurance, I thought I would add a little info to help you understand rates. There are all kinds of factors that go into the price of the vehicle insurance besides your driving record and the kind of bike, although those are certainly important factors. Add these to your consideration. Keep in mind, not all companies use the same underwritting criteria.

Your credit score will affect your rate. Bad Credit will mean more $$$
If you are a homeowner and where you live. You might be one block from the county line and if you lived on the other side of the line would be lower but you don't $$$$
IF you live in a higher crime location=$$$
If you have a garage to store it in. Less likely to be stolen/damaged in the garage.
Your occupation and/or your level of education.
Whether you are a government employee. Geico rates Govt. employees better, as they do military with advanced ranks.
If you are married or over 25. 50+ usually gets a very low rate.
They will even rate based on how likely that particular model might be stolen. R1 or Hyabusa is going to pay!!!
It also helps if you have more than one policy with a company. Usually gets a discount, but not cheaper. I love State Farm for my home and car. They are great and their rates unbeatable but they obviously did not want my MC insurance business.

The bottom line is shop/shop/shop.

Also inquire about higher liability rates. In some cases, doubling or even quadruppling coverage might only cost a few bucks more.

Finally state insurance regulations and competition are also factors. Just don't get mad at the agent. He doesn't set the rates. Actuaries set the rates and they do some VERY wierd stuff some times. Good Luck!!!!
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Old 11-04-2010, 02:55 PM   #80
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I may have missed it in a post, but I am pretty sure I didn't see it mentioned. If you are Military or (according to chefjosh in post #34) if you are in NY, State Farm will insure you without another policy. State Farm may say no to you if you are military when you call, you may have to TELL them that they have a clause that allows Military to be insured with them even if you don't have another policy with them. Hope this helps someone.
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