Insuring your bike: Who's good? - Kawasaki Versys Forum
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post #1 of 37 (permalink) Old 05-31-2010, 07:19 PM Thread Starter
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Insuring your bike: Who's good?

I love my State Farm auto insurance, but they are charging me more for my Versys than on my husband's ZX10R. WTF? I am female and 39, no accidents, and he is 41 on a liter sportbike.

Anyhow, who is your U.S. insurance with and have they treated to you well? I am shopping.

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post #2 of 37 (permalink) Old 05-31-2010, 08:11 PM
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I have Progressive. The price on it is ok I guess. Around $500 a year, which was about normal for othe companies. Next year when I need to renew it I think I am going to shop around and see what kind of deal I can get on my truck combined with the bike.

My dad pays $80 a year including collision with AllState. But He has 2 other vehicles and 2 homes with them as well.

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post #3 of 37 (permalink) Old 05-31-2010, 09:11 PM
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I have progressive and mine is only 165.00 a year
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post #4 of 37 (permalink) Old 05-31-2010, 09:26 PM
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Geico and Progressive have always been the cheapest for me.

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post #5 of 37 (permalink) Old 05-31-2010, 09:29 PM
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I have foremost & I think they're pretty reasonable. I wanna say I'm paying about $24 a month for full coverage. I'm 42, no accidents, blah blah blah...



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post #6 of 37 (permalink) Old 05-31-2010, 10:52 PM
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I have Dairyland and it runs around $450/year for full coverage on my '10 Versys. I had them for several bikes before this one and they went up a lot for the Versys. My '08 DR650 was less than $300/year so I'm not sure what's up with that. I got a quote from Progressive for my Versys but they wanted way more than what Dairyland is charging. Here is my agent's website:

http://www.insuranceladyinc.com
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post #7 of 37 (permalink) Old 05-31-2010, 10:55 PM
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I have nationwide. I pay $22/mo for full coverage and I'm 36, no accidents or tickets in the last 3 years. I have multiple policies with them and love their customer service. They give discounts for MSF course ( I think it's 10 or 20 % discount).

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post #8 of 37 (permalink) Old 06-01-2010, 10:57 AM
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I have Progressive which is less than $300 a year with extra insurance I probably don't need. I'm 34 with a good record. I had a claim several years ago with Progressive on a Harley after I stupidly dented the tank. They were excellent as far as service and prompt payout. I'd never switch at this point in the game. I did get a better price purchasing online.

The problem with insurance is it is always apples to oranges as even your zipcode can make a difference on a quote. My Versys costs about double my 05 Sportster which has considerably more displacement.

- Zac
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post #9 of 37 (permalink) Old 06-01-2010, 01:28 PM
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I have State Farm as well but would like to find something cheaper. I am 30, no accidents, no tickets in last 4 years. My insurance for $500 deductible full coverage on my Versys is $550/year. From what I hear, that's pretty normal (and even on the cheap side) for my area, Sacramento, CA.

When I moved here 4 years ago, our insurance went up by 30%, just because of our zipcode. And we moved from SOUTHERN CALIFORNIA! But alas, Sac does have the craziest drivers I've seen!
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post #10 of 37 (permalink) Old 06-01-2010, 01:40 PM
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I know in texas the insurance companies list the versys as a sportbike. so the insurance is a little steeper

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post #11 of 37 (permalink) Old 06-01-2010, 03:41 PM
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Quote:
Originally Posted by buffamazon View Post
I love my State Farm auto insurance, but...
Shop around. Seriously. The following is a true story.

I have State Farm for our 2 cars, & home. I used them for my Suzuki C50 for full coverage my first year (2006). I shopped around on the second year as I read on the C50 forum that Progressive was MUCH cheaper. I didn't take their word for it, I quoted. My C50 at State Farm was $330 a year full coverage. The second year was quoted the same. I tried Progressive and it was $107 if I paid for the full year. I did.

When I talked to my State Farm agent, she said that State Farm really does not cover the bike, they go to another provider so your not really getting State Farm in the end. Also that the bike does not go onto the same policy as the cars and home (completely separate policy as a stand alone). She said she did not blame me for taking my business elsewhere and she could not come close.

Shop around and good luck!
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post #12 of 37 (permalink) Old 06-01-2010, 04:52 PM Thread Starter
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I am paying $521 a year. Seems high to me!

Anyone do a rider safety course and notice any difference?

09 Versys In Go-Fast Green
Acerbis Pro Pack Handguards
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Vortex 44T Sprocket
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Trackside 12 volt power adaptor
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post #13 of 37 (permalink) Old 06-01-2010, 04:58 PM
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I am paying $521 a year. Seems high to me!

Anyone do a rider safety course and notice any difference?
Progressive gave me about $3 for taking the course. I took it with my wife last year when she went through it. She didnt want to take it without me since she didnt know anyone else.

I am 38, male, married, perfect driving record and full coverage for me at Progressive is $275 a year on my new 2010 V. I choose to pay yearly for even steeper discounts.
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post #14 of 37 (permalink) Old 06-01-2010, 05:00 PM Thread Starter
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Hmm...I am 39, 40 in July (maybe that will help??), no tickets or anything. Accidents in my distant past and not with State Farm.

Shouldn't being female help? I KNOW y'all are more dangerous when you drive than I am...LOL

09 Versys In Go-Fast Green
Acerbis Pro Pack Handguards
Ogio Tailbag
Ogio Saddlebags
Vortex 44T Sprocket
Wolo Bad Boy Air horn
Trackside 12 volt power adaptor
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post #15 of 37 (permalink) Old 06-01-2010, 05:03 PM
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Hmm...I am 39, 40 in July (maybe that will help??), no tickets or anything. Accidents in my distant past and not with State Farm.

Shouldn't being female help? I KNOW y'all are more dangerous when you drive than I am...LOL
Have you called Progressive? Talk to them. I have always had very polite and helpful conversations with them. It'll take less than 10 minutes. Post back your price! Bet they blow State Farm out of the water! 1-800-progressive. BTW, I dont work for progressive, just impressed by the great rates.

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post #16 of 37 (permalink) Old 06-01-2010, 07:23 PM
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Group insurance - If we went as a group - say 50 to 100 forum riders - I believe they would talk about a group discount....I am paying $300 - 42, ticket here or there.


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post #17 of 37 (permalink) Old 06-01-2010, 07:43 PM
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I have Foremost; $400 a year. 47, no accidents or tickets, live in Atlanta. Progressive was my previous carrier and I paid $100 on a 22-year-old Honda XL350R dual sport. When I bought the Versys they quoted $1100, then my agent found Foremost.
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post #18 of 37 (permalink) Old 06-01-2010, 09:16 PM
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2010 versys
Full coverage
32 years old no tickets
geico 288.00 a year
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post #19 of 37 (permalink) Old 06-01-2010, 09:49 PM
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Originally Posted by 2010versys4me View Post
2010 versys
Full coverage
32 years old no tickets
geico 288.00 a year
I think it more has to do with where you live than anything. Geico quoted me $600/year for the same coverage.
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post #20 of 37 (permalink) Old 06-01-2010, 10:22 PM
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What do y’all mean by “Full Coverage”?

I’m 60, no tickets or accidents... and with Progressive my collision coverage alone is over $300/yr for the V.
.

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