Lower Insurance As Second Driver?

[ABSOLUTNATI]

My insurance is pretty high on my 04 GS500F due to one traffic ticket a year for the past five years. About $500 a year for minimum liability, and nothing else. I was going to step up to a GSXR or FZ-1 maybe next year and would want to add at least comprehensive. My insurance will be around $1500 - $2000 a year, I am speculating based on quotes I recieved before I bought this bike.

My question is, will it save me money and is it legal if my girlfriend would insure the bike under her insurance and put me, or an anonymous as a second driver? I'm trying to avoid the obvious long term solution "slow down and wait five years untill your record is clean".

[ohgood]

If you have a local office/agent, go in and ask them. Most of the folks will give you a decent amount of information for spending less. (Notice, I don't say 'saving money'. )

Even if you were to pay no more for insurance, your cash outlay will be alot, not to mention tires.

Keeping the gs would be the cheap route. Put the money you _would_ spend on gsx-r insurance into a rainy day fund. Trust me, it WILL RAIN.

[CndnMax]

people do that a lot with new drivers, they put the insurance under their parents name and they go as secondary. If the insurance finds out the secondary driver is actually the only one driving it you *might* have a hard time trying to make a claim.

[Kasumi]

This is how nearly every 17 year old is insured over here in the UK. Well for driving a car at least. Even on a £500 car a female is looking 1.5k to 2k if your male add 1k ontop. Yes for a £500 car. Most parents insured themselves and add the kid on as a named driver - plus side is cheaper insurance, down side is the kid builds up no claims and to get any sensible insurance quote for any car you need to be over 21 here so theyre stuck being named drivers till 21 or until they have more than there car is worth to put down in insurance. However most insurance policies state that named drivers shouldn't be driving the car more than three times a week or there is a further excess however it is impossible for the insurance company to prove how many times you rode that week so you should be ok. However stick with the GS mate. You wouldn't forgive yourself for spending a fortune for a bike you can't really afford yet and subsequently might break.

[ABSOLUTNATI]

Not worried about the price of the bike. I seem to be one hell of a deal finder on used vehicles. It's just that I find it immoral and a** raped when you pay more for insurance over two years, than you did for the bike! I plan on getting a used 600cc sport bike for around $3K-$4K.

[jordanearl]

what happens if you an ur gf break up?  can you afford the expensive insurance on your own? 

[kml.krk]

I'm insured as a second rider. My father is the main policyholder but when I did a quote there was a question: how many percent main policy holder rides the bike and how many percent the second rider rides a bike -> I put 30% for my father and 70% for myself - I think it is fair. I pay $250/year.
So you could probably do the same thing. It should save you some money.
cheers

[ABSOLUTNATI]

what happens if you an ur gf break up?  can you afford the expensive insurance on your own? 

Affors? Yes. Pissed off about price. Yes. But very good point.