So I'm in the process of buying an 08 Busa and I called to get a quote for insureance today & the cheapest I could find is $3200 a year I know that the Busa is the king of the sportbike world but I'm paying $600 a year for both bikes I have right now to be covered. I am looking into some alternatives but does anyone know where else I could be looking or have any insides to this that might help me out?? I really love the Busa but I refuse to pay $3200 a year for insureance, I would be buying the bike over and over again every 3 years and that is a big fuckin NO GO!!

*cough* Insurance *cough*

I pay around $675 a year for a 2006 GSXR1000 with full coverage, so I think your just getting a bad quote. I originally was quoted at around $1200 from Esurance but someone at Ride Now recommended I switch to state farms.

Speed ain't cheap Howie.

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http://www.gleno.net

I have state farm and I think I'm paying about $800/yr. They were the cheapest I found when I moved down here 5 years ago

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04 1000RR A few mods...It's fast

mm I need to look else where 2. I pay 234 a month. Full cover on a 08cbr600. U don't. Just get plates in Ohio like my friend. He pays 14 bucks a month. I used to pay 90 on a sportscarwhen I was under 21. I had got a p.o.box in sandy valley. I went from 300 to 90 bucks LOL

The insurance company wants to know the address where it's stored, so you could have a PO box on the moon and it wouldn't change your rate.

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SCS Founding Member

Now as a question of etiquette, as I pass do I give you the ass or the crotch? - Tyler Durden

It is better to be defeated on principle than to win on lies. - Arthur Calwell

Common Sense Isn't Common


http://www.gleno.net

addresses have a major outcome of your insurance cost.

I moved from durango and 215 to flaming and pecos, my insurance went up 30 dollars. Because of the zip code.

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7+ year member - and still going.

"Sin City Sportbikes was founded by Las Vegas sport bike enthusiasts in response to a desire to promote a positive and safe image of the sport. Riders and enthusiasts from all over the Las Vegas Valley have joined together in an effort to give back to a community that has helped and nurtured us. "

-Sin City Sportbikes

I have a lady who works in HR, Husband and wife both have new harleys, they pay 18 a month for the bikes. They live in pahrump.

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7+ year member - and still going.

"Sin City Sportbikes was founded by Las Vegas sport bike enthusiasts in response to a desire to promote a positive and safe image of the sport. Riders and enthusiasts from all over the Las Vegas Valley have joined together in an effort to give back to a community that has helped and nurtured us. "

-Sin City Sportbikes

i pay 425.00$ year for an 08 ninja 650r with geico when i looked around i was quoted from 1500 to 3500 ayear then i checked out geico and found it for 425 a year that works out to 48 a month

New Superbikes=high insurance. Look for an 08 that is slightly used. That will save a few bucks. call around...the difference between companies is huge

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http://www.cycleawareness.org

keep looking howie, you will find an ins company that will get you good rates. mention lojack and that you have an alarm and that its in a locked garage that should make a difference!

OK, thanks to my great wifey and her connections I got a new quote from, State Farm, for $500 a year for full coverage with higher limits than the minimum so this deal is back on track for me and I should be on my new Hayabusa very soon..Stay tuned my SCS family!!


And I greatly appreciate the input..Looks as if State Farm is the best after all. I've said this in the past but the only problem I ran into before was they used to say you had to have your vehicles insured with them in order to have a bike with them, which is not the case with the insureance lady we spoke to today. Although you do get a HUGE discount when you do have your vehicles with them also which is why we are probably moving our trucks to State Farm as well. I will give out the Insurance ladies details later for anyone who may want to contact her to save some $$$

and by the way... $500 is a fuckin huge difference from $3200, WTF are the other insurance companies thinking>?

they smoke crack before answering the phones?!

LOL...........I just got full coverage insurance with State Farm for both bike for $172 a month.

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Never explain--your friends do not need it and your enemies will not believe you anyway.

Cheryl,
Do you have a contact number for your State Farm Agent?
Kaui

Christina Bai 459-7808
State Farm

I told her that I was in a MC and would be telling everyone bout her. She is suppose to be giving me some business cards. She can do just motorcycles but if you bring your vehicles to her....WOW My premium for the 08' Busa Full coverage with 25000/50000 limits would be 983/yr if I add my trucks it will be only 536.36/yr (that is only for the bike though)

A lot of insurance companies either don't want to insure bikes or find them too high a risk. They price accordingly

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And to comment to those insurance companies...Kindly go fuck yourselves. I do understand their thought process but couldn't you look at it the same way for cars and trucks. I could inflict a lot more damage to people and property if I rammed them in my Toyota Tundra then I would if I rammed into the same place with my bike. Ok, that is the end of that rant, I found my insurance carrier and that is all that matters to me...FUCK GIECO AND PROGRESSIVE, they can kiss my motorcycle drivin ass

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Each time you are honest and conduct yourself with honesty, a success force will drive you toward greater success. Each time you lie, even with a little white lie, there are strong forces pushing you toward failure; What a shame.......

The theory is this (by the way this happens in business all the time), if you don't want to offer someone something you give them a "nobid" which is essentially a ridiculous rate. By offering it at this ridiculous rate they are expecting you to say no but if you are extremely desperate they will go against their wishes and offer you the plan. This is consider to be more polite then just not offering a service.

As an example a company that wants to insure motorcycles but not sport bikes because they consider sport bikes to be to risky may offer great prices to cruisers and ridiculous prices for sport bikes because people might consider it rude if they say they "We sell motorcycle insurance but won't insure you because your bike is to risky". This especially comes in when you are dealing with 18 year olds.

Well I like it up front and to the point, I'd rather them tell me to go fuck off and take a hike, but I do see your point Adam..

its ok howie, when i got my 929 and wrecked it 10 days later, the insurance company took a good hit at 7,000, after 10 days. whooooo, and they covered all my gear.1,200 they lost a bit of pocket change there.

I heard the busa was cheaper than say the 1k's because they are labeled a "sport touring" bike.

Damn, that's high.

Maybe you got a stupid agent on the phone.

Try American Family.... they have been good for us over the years and they are very inexpensive. Haven't found anyone to beat them yet. I pay 20 a month on the warrior.

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What's COOKING?

Thrill Cycle!

here is the thing about State Farm, the go strickly off the CC's of the bike, doesn't matter if it's a cruiser, sportbike, or moped..

oh don't even get me started on state farm. been with them from the age of 16 to 35. let my insurance laps for over 30 days cause of finances, when I went to reinstate, they said because I was uninsured for over 30 days I had to go on High Risk Coverage.

Keep in mind, all these years with them, NEVER filed a claim, no accidents, no excessive tickets, maybe 2 the entire time.

I'll never go back to them.

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What's COOKING?

Thrill Cycle!

I pay about $600 a year with State Farm. But thats with my underinsured motorist/no insurance coverage jacked up to 50,000. There was a pilot at work who got in a wreck on his Dual Sport bike with a guy who had very minimal coverage. Unfortuanately, the pilot had very minimal coverage on his bike too, and he was out of pocket $15,000 with medical bills. So I made damn sure that wasn't going to happen to me. He couldn't sue because the dude hit him was broke.

One thing about insurance, Its not just about the cost, but it's also about the ease of filing a claim, and getting good and fast results. And from what I have read from other forums, those with State Farm or who had to deal with the other parties insurance company which was State Farm, got high marks.

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VEGASRIDER................
Team Yamaha Blue '06 FZ6!

State Farm, Agent Jay Hodapp (also a sportbike-cruiser-trackday rider). $79 a month on my '06 ZX-10R for $250k/$500k coverage, equal UM/UIM, comp/collision with $500 deductible, and a $1 mil excess umbrella for $30 a month. I actually pay more per month for my '06 HD Ultra Classic then I do on my 10. (Btw, they have my house, cars, bikes, boat).

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Useful Motorcycle Books and Links

Motorcycle Insurance, and you!

So far State Farm is the cheapest best insurance I have found for bikes.

Here's some intersting statistics regarding insurance and the type of bike most likely to crash and get stolen. Over 2 million motorcycles were used as a sample.

If you ride a Gixxer, not good news.

Progressive Studies More Than 2 Million Motorcycles; Finds Which Bikes Are Most and Least Likely to Be Stolen, Crashed

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VEGASRIDER................
Team Yamaha Blue '06 FZ6!

Great info

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