New rider Insurance??
#1
08-22-2007 | 09:25 AM
Thread Starter
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Road Master
Joined: May 2007
Posts: 1,219
Likes: 1
From: Va
New rider Insurance??
I`m 57 never owned a bike -have my learners permit for now -so I call my Allstate agent( have my car,Suv and Apt renters ins with them
they want $1200 a yr for full coverage-- on an 08 Heritage classic
only ticket I`ve had was in 1974 for speeding in my VW on I64-tail end of traffic..yea they got my butt--
Is that about right for a new rider or should I shop around.
Thanks
mike
also umbrela policy was extra $184 a yr -which I think is like a gap policy..
they want $1200 a yr for full coverage-- on an 08 Heritage classic
only ticket I`ve had was in 1974 for speeding in my VW on I64-tail end of traffic..yea they got my butt--
Is that about right for a new rider or should I shop around.
Thanks
mike
also umbrela policy was extra $184 a yr -which I think is like a gap policy..
#2
08-22-2007 | 09:33 AM
Road Warrior
Joined: Jun 2006
Posts: 1,553
Likes: 0
From: Lebanon, Missouri
RE: New rider Insurance??
ORIGINAL: RoadRunR
I`m 57 never owned a bike -have my learners permit for now -so I call my Allstate agent( have my car,Suv and Apt renters ins with them
they want $1200 a yr for full coverage-- on an 08 Heritage classic
only ticket I`ve had was in 1974 for speeding in my VW on I64-tail end of traffic..yea they got my butt--
Is that about right for a new rider or should I shop around.
Thanks
mike
also umbrela policy was extra $184 a yr -which I think is like a gap policy..
I`m 57 never owned a bike -have my learners permit for now -so I call my Allstate agent( have my car,Suv and Apt renters ins with them
they want $1200 a yr for full coverage-- on an 08 Heritage classic
only ticket I`ve had was in 1974 for speeding in my VW on I64-tail end of traffic..yea they got my butt--
Is that about right for a new rider or should I shop around.
Thanks
mike
also umbrela policy was extra $184 a yr -which I think is like a gap policy..
As for the cost, I suspect it's higher because you only have a permit. Combine that with no riding experience, and your cost will be higher.
You can lower it some by taking the MSF course. Also, some companies will give you a discount for AARP or HOG membership.
#4
08-22-2007 | 10:15 AM
Road Master
Joined: Nov 2006
Posts: 757
Likes: 0
From: Godfrey, IL
RE: New rider Insurance??
geico or progressive. Do it online. When asked online how long you've operated a motorcycle, go back to when you were sixteen and rode that dirtbike on the road occasionally. Subtract current age from 16 and thats how long you've been riding on the street. This cant be checked or verified. LIE!!!! You'll get a quote of around 400 bucks probly.
#5
08-22-2007 | 10:20 AM
Grand HDF Member
Joined: Dec 2004
Posts: 4,513
Likes: 3
From: Midland, TX
RE: New rider Insurance??
Since you are a geezer, you can probably get the best deal from Foremost County Insurance offered through AARP. We have three bikes insured with them and the total is about $650 a year. The best thing to do as was mentioned is to take the MSF course as you'll get additional discounts.
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#8
08-22-2007 | 10:50 AM
Road Master
Joined: Jul 2007
Posts: 966
Likes: 0
From: Panama City, FL
RE: New rider Insurance??
Allstate had the best deal for me. About $100 a year but I didn't get full coverage because I paid cash for my bike. Policy covers pasenger and towing up to $50. I also had the MSF safety card. Geico and a couple others would not give a discount for the safety card.
Also I was a new rider with zero experiance except for the MSF class.
Also I was a new rider with zero experiance except for the MSF class.
#9
08-22-2007 | 11:07 AM
Intermediate
Joined: Jul 2007
Posts: 28
Likes: 0
From:
RE: New rider Insurance??
Wow, that is high. My full coverage with Progressive is 300+ a year and I got that without shopping around. I was planning on renting a bike and not buying a bike that day I walked into the dealer. So shop around and you should be able to get a much better deal than $1200.
#10
08-22-2007 | 11:12 AM
Cruiser
Joined: Jul 2007
Posts: 154
Likes: 0
From: Central PA & DC Metro
RE: New rider Insurance??
Same here--a new rider with no previous experience, on a 96 cu. in. engine--about $350/year. As others have mentioned (and as you surely know), it all depends on driving history and amount of coverage (if your bike is financed, there are minimums that apply), but also the model, year, and size of your bike. Oh yeah, my coverage is with State Farm. They give pretty nice discounts if you have more than one "line" with them.