Newbie Insurance help! - Yamaha R6 Forum: YZF-R6 Forums
 
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post #1 of 10 (permalink) Old 12-10-2012, 02:14 PM Thread Starter
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Newbie Insurance help!

Looking to get Insurance in So. Cal. Ive had my M1 for about 2 years with a Motor Safety certificate.
I have a 08 R6S.
I already have a large insurance payment($160month) due to full coverage on a new Car(2012), so I'm on a bit of a budget.
My incurrence company doesn't do motorcycle so I can't bundle.
I don't want to under insure myself but also don't want to over do it.
The bike is garaged at night and in a secured parking garage at work.

What is the best company to go with?
What type of plan should I get?
How much is to much for insurance?

Progressive: $3812year full coverage(way to high for me)
$170year liability
$1383year liability + theft

GEICO: seams much cheaper but they make you build your policy and I don't know what I need...

Is liability+theft(covers fire,theft & vandalism) good enough?


Thanks for the help.


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post #2 of 10 (permalink) Old 12-10-2012, 02:36 PM
Was it as good for you?
 
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Holy shit! I pay $70 a year for liability with progressive for my 04. Im going to be adding theft here soon so hopefully it doesnt go up THAT much!

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post #3 of 10 (permalink) Old 12-10-2012, 02:37 PM
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Re: Newbie Insurance help!

For full coverage on two bikes and liability on one, I pay $600/year. One of those bikes is a 2010 Ducati 848.
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post #4 of 10 (permalink) Old 12-10-2012, 02:45 PM
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$250 for basic liability on my 05 here. My life insurance policy covers personally injury up to $250,000. Been accident free for two years, so NOT getting full coverage has saved me money.


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post #5 of 10 (permalink) Old 12-10-2012, 03:03 PM
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Dudes. My 08 cobalt is 210 a month. And 07 r6 is 100 a month because its in my gfs name. How is your shit so cheap?!


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post #6 of 10 (permalink) Old 12-10-2012, 03:05 PM
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Re: Newbie Insurance help!

IMO liability and theft is enough as long as you can live without your bike/have the money to fix it if you crash it.

Paying the cost of the bike in less than two years is crazy! Might as well just save the extra money in case something happens.

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post #7 of 10 (permalink) Old 12-10-2012, 03:23 PM
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I don't even have theft. Just get a scorpion GPS system. $500 and you never have to worry about your bike getting stolen again.


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Hard work yields great rewards, but idle talk leads only to destruction.
Proverbs 14:23

“Faster, Faster, Until The Thrill Of Speed Overcomes The Fear Of Death.”
Hunter S. Thompson

"It wasn't until I went to college and I got my first motorcycle that I understood the thrill of speed."
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post #8 of 10 (permalink) Old 12-10-2012, 03:27 PM
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Re: Newbie Insurance help!

bank requires full coverage and im at 1800 a year with aaa...wont even say what geico wanted

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post #9 of 10 (permalink) Old 12-10-2012, 03:30 PM
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Quote:
Originally Posted by R6_350z View Post
bank requires full coverage and im at 1800 a year with aaa...wont even say what geico wanted
Yet one more reason to pay cash.


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Hard work yields great rewards, but idle talk leads only to destruction.
Proverbs 14:23

“Faster, Faster, Until The Thrill Of Speed Overcomes The Fear Of Death.”
Hunter S. Thompson

"It wasn't until I went to college and I got my first motorcycle that I understood the thrill of speed."
Vin Diesel
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post #10 of 10 (permalink) Old 12-10-2012, 04:00 PM
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Re: Newbie Insurance help!

Get a quote DIRECTLY from progressive's website. I'm 21 and got full insurance for $30 a month. Granted I have an older R6, but it was still a 600cc sportbike.
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