I got an email from my insurer a couple of days ago requesting a picture of my gs500f. She told me that it's possible that Shelter may drop my bike if the deem it a 'crotch rocket'. Now minus the fairing I consider my bike one of the furthest things from a crotch rocket.
Whats even worse is that I stopped by her office this morning and we looked up a quote on a 2002 gs500e just to see if it was insurable. According to her computer it isn't (I hope it's nothing more than a glitch). I like shelter insurance and would really hate to switch (besides, they have the best rates). I can't believe that, because of a few young dumb@$$es who think they can survive anything, i won't be able to insure my bike with my current insurance company.
What is your experience with Insurance Companies...if you don't mind me asking, who are you with? Is your car and bike on the same insurance policy?
State Farm, my car and bike with them. Bike is only about $350/yr for full coverage, 33 yrs old, no wrecks.
Welcome to the world of insuring bikes. I have Allstate with my bike, truck and house. I am with the understanding that Allstate is not issueing new policies for sport bikes though, I have been with them since '87.
I keep hearing State Farm is good to motorcyclists.
i'm paying 1650 with statefarm :roll: (liability + fire + theft)
my buddy bought a GSXR600, and after talking to my state farm agent, she said they don't care if it's a sportbike or not, they only look at the engine size. The GSXR600 was only going to be 3.00 more a month to insure for me.
Send them a picture of an unfaired GS. Then if they ever see your bike just tell them that you had removed the fairing but put it back on and painted it. Send them a picture of Cal Price's or Kerry's bike...one with a really big fairing. :mrgreen:
Send them this pic. :mrgreen:
(http://www.gstwins.com/gallery/albums/userpics/10843/Tally001.jpg)
Quote from: rob7622I stopped by her office this morning and we looked up a quote on a 2002 gs500e just to see if it was insurable.
I'm not sure how picky her listing (or computer app) was, but technically the '02 is not an 'E'. It goes like this:
GS500E2001-2003
GS5002004+
GS500F[/list:u]
Mine's an E model (96). I pay about $115 a year with American Family.
Here in the Lone Star Republic, Progressive only wanted displacement ( I told them 487 in case 500 was a cutoff) For my '98 GS= $101 for the year! :)
Dude, don't even sweat it. Check out the rates with BikeLine (Markel), hard to beat.
http://www.bike-line.com/
I only paid an extra $14/yr to switch from $500 deductibles to $250. Full comp and collision, 50k/100k limits for $214/yr. 34 yr old, brand new rider, $2k used bike, in Los Angeles. Doesn't include uninsured motorist though.
These guys were giving out mini-atlases at the big bike show in LA. Pretty cool.
I insure my cars and bike through AAA (the roadside assistance people).
My 2001 gs500, fully covered cost around $350/yr.
My 2004 600rr, fully insured costs $500/yr
AAA looks at engine size formost. Make sure you tell them its 487cc not 500cc. Might bump you down one category.
And even though its not an actual sportbike Im sure the insurance looks at it in terms of how much payout it'll be if its crashed, due to the fairings.
Quote from: hairballDude, don't even sweat it. Check out the rates with BikeLine (Markel), hard to beat.
http://www.bike-line.com/
I only paid an extra $14/yr to switch from $500 deductibles to $250. Full comp and collision, 50k/100k limits for $214/yr. 34 yr old, brand new rider, $2k used bike, in Los Angeles. Doesn't include uninsured motorist though.
These guys were giving out mini-atlases at the big bike show in LA. Pretty cool.
checked into this and .... $344.00 a year for full coverage.
currently i'm running with Progressive, just liability and paying $75 a year
25 years old, no violations.
chris<pixelmonkey>:D
I use progressive and pay $250 a year liability. But I'm 20 so full coverage was insane. Like more than my car... more than the bike costs almost. :roll:
I haven't checked around. $250 a year was pretty acceptable for me since I pay 7 times that for liability for my car with a perfect driving record.
Yeah I am pretty sure that the GS falls into the "standard motorcycle" category. $320 a year for me with no violations.
I've been looking up quotes to get ready for warmer weather, here's what I've found. I'm 21, first bike, took the MSF, 1 minor ticket in car. I also live in Ohio, and I think we've got a law that bike insurance is less because we can't ride year-round. All prices are per year.
Progressive: $197 (with my car) or $208 (without)
Bike-Line.com: $330
Geico: $419 (Including 10% discount for MSF)
The All-State guy hasn't gotten back to me yet, but they are accepting new bike policies. State Farm would only do my bike if they did my car too, but they wanted $1800 a year just for my car so I didn't even bother asking what both would be.
everyone has neglected the fact that it really matters where u live. my sister just changed her residency to her college because she lives there the majority of the year. its about 1.5 hrs away and it cut her insurance in half. just because its not as populated. i live in the suburbs and pay $600 a year. 19/m 1 wreck, 2 tix. liablilty and comprehensive. no uninsured/underinsured protection. a lot of u guys pay less than me for full coverage. there are so many factors its hard to compare really.
Downtown Seattle, I pay $433 a year with Progressive and I have more tickets than you can shake a stick at, but not SR-22...yet! :lol: ... I got one last week in fact for not having my license plate on the bumper...it was sitting on the dash...$101 :roll:
Any way you put it, you always come to the same conclusion. Insurance companies are ghey. :dunno:
Dom, that isn't just a fix-it ticket? My buddy has a Camaro that had an aftermarket front air-dam and he always had his plate on his dash, admittedly illegal, and he just got a 10 dollar fix-it ticket for it...
$254 a year in Dallas,TX, land of the squid.
Quote from: Frosti'm paying 1650 with statefarm :roll: (liability + fire + theft)
Damn! ... Living in T.O. is expensive. I am down the street in London. I am with Primmem. I pay $645 with no collision. I was paying $577 two years ago for full coverage. My premium would have been about $765 with full coverage but I decided since the bike is getting older now that I can do without the collision. There's a $500 deductible anyway so what's the point?!
take the fairing off before you go there
Quote from: EDubtake the fairing off before you go there
ummm.....if he takes off the fairing....then there's no headlight....I don't know any insurer that will insure a street legal bike with no headlight or turnsignals.....just my opinion....
.....I've got American Family.....I pay $500 yr for my 03 SVS.....full coverages (at the 50/100) w/ $250 deducts, glass, roadside, and rental reimbursement....my wife's GS brings that up to $600 yr w/ same coverages...
i would pay about 1600 for full coverage as well.. progressive. i dont even live in the city. also my insurance company does it by VIN number. they dont care what your specific bike looks like. they care what the stock bike looks like.
with state farm i pay $250 a year for full coverage on a gs500f, i'm 22, female, no wrecks or tickets.
Quote from: pixelmonkeyQuote from: hairballDude, don't even sweat it. Check out the rates with BikeLine (Markel), hard to beat.
http://www.bike-line.com/
I only paid an extra $14/yr to switch from $500 deductibles to $250. Full comp and collision, 50k/100k limits for $214/yr. 34 yr old, brand new rider, $2k used bike, in Los Angeles. Doesn't include uninsured motorist though.
These guys were giving out mini-atlases at the big bike show in LA. Pretty cool.
checked into this and .... $344.00 a year for full coverage.
currently i'm running with Progressive, just liability and paying $75 a year
25 years old, no violations.
chris<pixelmonkey>:D
well, i'm 27 and have had one at fault accident and Markel wanted something like $330 a year for full coverage while Progressive quoted me over $2000.
-will
Progressive told me they don't care what mods you do, just as long as they aren't a turbo or NOS. Everything else is A-OK :thumb:
im glad we only need one tag and it sits on the back, even then, read the law carefuly, i beat one ticket once by having my tag in rear window bolted to an L bracket on rear deck. even set up a tag light for it (tag under glass)
Because it was Perm Mounted to the REAR section of the car and was CLEARLY lit it was legal. i made sure it was directly behind my head so they couldnt pop me with Interfering with view either.
i pay 1400$ a year in Winnipeg with good old government owned insurance.
I'm an insurance agent for a medium to high risk auto company... There's many different factors that total into your rate. Here's a few...
Location: claims per population usually broken down by zip code
Age: I think everybody remembers their teenage rates
Claims/driving record: accidents and tickets count!
Credit: Not legal in all states but usually good credit = low claims
Vechicle: Of course a mustang is rated higher than pinto!
Coverage: Higher limits of coverage come at a price $100k > $25k
These a just a few...
fett