now that we can confirm im a broke college student who can't afford super sport insurance rates, should i just mod the shaZam! outa my gs and hit the track?
no you should just fall over and die. and get rid of that annoying avator
Welcome to the club, now pick a new damn avatar....
Quote from: davipuand get rid of that annoying avator
Amen!
Quote from: roguegeekQuote from: davipuand get rid of that annoying avator
Amen!
bwahahahahaah
Have you looked at insurance for yamaha fazer 600,suzuki sv650, honda hornet 600. They are not full on race bikes so you should get cheaper insurance, but still get to 60 in under 4 seconds.
thats my cousin in your avatar.....
You state that you are "a broke college student who can't afford super sport insurance rates", so how are you going to afford modding your bike AND pay for track days?
:?
Quote from: dgyverYou state that you are "a broke college student who can't afford super sport insurance rates", so how are you going to afford modding your bike AND pay for track days?
:?
i can't really, my current insurance pretty much insures that i have money for gas =/ and nothing more
Just wait a couple years, it gets better...
or you can move to an area that has a lower claims per population ratio (territory rating).
How's your driving history and credit report?
Quote from: fettcolsJust wait a couple years, it gets better...
or you can move to an area that has a lower claims per population ratio (territory rating).
How's your driving history and credit report?
driving history is perfict
Quote from: '04gs500fQuote from: fettcolsJust wait a couple years, it gets better...
or you can move to an area that has a lower claims per population ratio (territory rating).
How's your driving history and credit report?
driving history is perfict
unless you move to alaska or something, you'll still be paying in thousands.
either wait around or buy an older 600 and just get collision.
Credit can be important... Not all companies credit score but you'll find the best deals with companies that do..
Years ago somebody did a study and discovered people with good credit turn in less claims... Now some insurance companies have a tier system that accounts for this. Some call it a discount and some call it a "preferred" rate.
Being 19 I would suggest the following:
Pick a good company/agent and stay with them... you can build discounts over time.
Select high liability limits in case you have to change companies later.. Preferred companies are more accepting with good credit and high limits on your former policy. Not to mention higher limits can save your ass if something bad happens..
Pay up front... Some offer a paid in full discount. You also never have the problem of a late or missed payment.
Get your eggs in one basket... Auto/bike/home/renter... whatever you want to insure get it with the same company. Companies like state farm will give you discount off of your auto for adding another policy. If you're 19 and driving a newer car you may find the discount will be more than a renter's policy costs in the long run..
Don't turn in a claim unless you have too... If it's just a couple hundred dollars (or a couple hundred over your deductible) just fix it and move on. You'll find claims increase your rates.. AND DON'T CALL THE AGENT AND ASK IF YOU SHOULD TURN SOMETHING IN! You'll find that may cause a change as well.. I hate having to fill out the paperwork for such things, it goes to a CLUE report (shows on renewal) even if there's no claim taken. Looking at your list of mods I think you're on the right track.
FYI... I'm a sales manager for an insurance company... and an agent.. Unfortunatly the company I work for doesn't cover motorcycles at all..
And get rid of that avitar..
What's the hurry? You have a brand new GS. Ride that sucker till it won't go anymore. Then rebuild and do it again.
+1 Ditch that damnable avatar while you're at it.
Face it. You're young and you live in Florida, and now you're experiencing the downside of those facts. When my bike was new, I was 20 and living in the Bay Area (CA). I paid a little over a grand my first year in insurance (full coverage), but it has sharply gone down since then.
And if you really think your avatar does not become annoying after ten seconds you're deluding yourself. :roll:
Well since you just got a newer GS500, I would say stay with that until you have money. Keep the GS even then, and make it into a track bike or something like that. The most important thing is that you are riding.
how could u afford to buy a brand new GS but cant afford insurance? My basic insurance is $115 a year? dont go for full coverage, just get basic. Thats the supidest thing i've ever heard, plus track days are expensive. Ya, ditch the avitar.
-ash
Quote from: ashmanhow could u afford to buy a brand new GS but cant afford insurance? My basic insurance is $115 a year? dont go for full coverage, just get basic. Thats the supidest thing i've ever heard, plus track days are expensive. Ya, ditch the avitar.
-ash
can't get basic insurance on financed vehicles....and my gs was only $3k with 500 miles on it
Quote from: fettcolsCredit can be important... Not all companies credit score but you'll find the best deals with companies that do..
Years ago somebody did a study and discovered people with good credit turn in less claims... Now some insurance companies have a tier system that accounts for this. Some call it a discount and some call it a "preferred" rate.
Being 19 I would suggest the following:
Pick a good company/agent and stay with them... you can build discounts over time.
Select high liability limits in case you have to change companies later.. Preferred companies are more accepting with good credit and high limits on your former policy. Not to mention higher limits can save your ass if something bad happens..
Pay up front... Some offer a paid in full discount. You also never have the problem of a late or missed payment.
Get your eggs in one basket... Auto/bike/home/renter... whatever you want to insure get it with the same company. Companies like state farm will give you discount off of your auto for adding another policy. If you're 19 and driving a newer car you may find the discount will be more than a renter's policy costs in the long run..
Don't turn in a claim unless you have too... If it's just a couple hundred dollars (or a couple hundred over your deductible) just fix it and move on. You'll find claims increase your rates.. AND DON'T CALL THE AGENT AND ASK IF YOU SHOULD TURN SOMETHING IN! You'll find that may cause a change as well.. I hate having to fill out the paperwork for such things, it goes to a CLUE report (shows on renewal) even if there's no claim taken. Looking at your list of mods I think you're on the right track.
FYI... I'm a sales manager for an insurance company... and an agent.. Unfortunatly the company I work for doesn't cover motorcycles at all..
And get rid of that avitar..
thanks for the help, im sticken with the GS everyone.. just isnt worth the cost to go super sport...;)
Quote from: '04gs500fQuote from: fettcolsCredit can be important... Not all companies credit score but you'll find the best deals with companies that do..
Years ago somebody did a study and discovered people with good credit turn in less claims... Now some insurance companies have a tier system that accounts for this. Some call it a discount and some call it a "preferred" rate.
Being 19 I would suggest the following:
Pick a good company/agent and stay with them... you can build discounts over time.
Select high liability limits in case you have to change companies later.. Preferred companies are more accepting with good credit and high limits on your former policy. Not to mention higher limits can save your ass if something bad happens..
Pay up front... Some offer a paid in full discount. You also never have the problem of a late or missed payment.
Get your eggs in one basket... Auto/bike/home/renter... whatever you want to insure get it with the same company. Companies like state farm will give you discount off of your auto for adding another policy. If you're 19 and driving a newer car you may find the discount will be more than a renter's policy costs in the long run..
Don't turn in a claim unless you have too... If it's just a couple hundred dollars (or a couple hundred over your deductible) just fix it and move on. You'll find claims increase your rates.. AND DON'T CALL THE AGENT AND ASK IF YOU SHOULD TURN SOMETHING IN! You'll find that may cause a change as well.. I hate having to fill out the paperwork for such things, it goes to a CLUE report (shows on renewal) even if there's no claim taken. Looking at your list of mods I think you're on the right track.
FYI... I'm a sales manager for an insurance company... and an agent.. Unfortunatly the company I work for doesn't cover motorcycles at all..
And get rid of that avitar..
thanks for the help, im sticken with the GS everyone.. just isnt worth the cost to go super sport...;)
you have an 04? if so, sell it. You'll make your 3k back easily. Then, pay off the loan, and with the difference buy an older GS. voila, cheaper insurance
i dont have a loan i payed for the 04 in cash
You said:
Quote from: '04gs500f
can't get basic insurance on financed vehicles....and my gs was only $3k with 500 miles on it
And you also said:
Quote from: '04gs500fi dont have a loan i payed for the 04 in cash
So is your GS financed or not? You're confusing me.
If the minimum required insurance premium leaves only enough money for gas, you're going to have a rude awakening when you need to buy brake fluid, tires, oil, tools, valve shims, service, etc. Sell that bike and get one you can afford to insure and maintain, or you will regret it. Ignore this advice at your own risk.
my GS ISNT financed and 100% paid for. the bike i wanted needed financing ...
Quote from: GleanerizerYou said:
Quote from: '04gs500f
can't get basic insurance on financed vehicles....and my gs was only $3k with 500 miles on it
And you also said:
Quote from: '04gs500fi dont have a loan i payed for the 04 in cash
So is your GS financed or not? You're confusing me.
If the minimum required insurance premium leaves only enough money for gas, you're going to have a rude awakening when you need to buy brake fluid, tires, oil, tools, valve shims, service, etc. Sell that bike and get one you can afford to insure and maintain, or you will regret it. Ignore this advice at your own risk.
the whole post was to Buddha Loves You about super sport insurance rates IE ZX-6R
im done now...and keeping the GS
Quote from: '04gs500f
the whole post was to Buddha Loves You about super sport insurance rates IE ZX-6R
im done now...and keeping the GS
You stated, in this thread, that your current insurance premium leaves you only enough money for gas. You do know there's other bike expenses besides gas, right? The reason I am suggesting you get a smaller and/or older bike to insure is because, according to what you've said in this thread, you clearly cannot afford to keep your current bike if you plan to ride it any significant amount. But I know how hard it can be to argue with someone your age--being 22, I can relate (and yes, my supersport insurance quotes are comically high too). Do what you will, I'm only trying to help you out here bud. :dunno:
it was hypothetical to getting a zx-6r, im fine on my insurance on the gs omigosh!!
Quote from: '04gs500fit was hypothetical to getting a zx-6r, im fine on my insurance on the gs omigosh!!
According to what you have said in this thread, no, you are not fine on your insurance on the GS. omigosh.
Quote from: '04gs500fQuote from: dgyverYou state that you are "a broke college student who can't afford super sport insurance rates", so how are you going to afford modding your bike AND pay for track days?
:?
i can't really, my current insurance pretty much insures that i have money for gas =/ and nothing more
An insurance premium that does not leave enough money for you to pay for anything except gas is an insurance premium you cannot afford. If you were exaggerating a bit in the above quote, and you actually CAN swing things like oil/oil filters, chain lube, scheduled maintenance, occasional busted parts, et cetera, then you're good to go. Otherwise you may find yourself pressed for money when you don't have any down the line. I'm just pointing out something that can become a problem for you if you don't look out, that is all, I'm not trying to jump your ass. Ride safe.
sarcasm on my part , but whatever ;)
Quote from: GleanerizerQuote from: '04gs500fit was hypothetical to getting a zx-6r, im fine on my insurance on the gs omigosh!!
According to what you have said in this thread, no, you are not fine on your insurance on the GS. omigosh.
Quote from: '04gs500fQuote from: dgyverYou state that you are "a broke college student who can't afford super sport insurance rates", so how are you going to afford modding your bike AND pay for track days?
:?
i can't really, my current insurance pretty much insures that i have money for gas =/ and nothing more
An insurance premium that does not leave enough money for you to pay for anything except gas is an insurance premium you cannot afford. If you were exaggerating a bit in the above quote, and you actually CAN swing things like oil/oil filters, chain lube, scheduled maintenance, occasional busted parts, et cetera, then you're good to go. Otherwise you may find yourself pressed for money when you don't have any down the line. I'm just pointing out something that can become a problem for you if you don't look out, that is all, I'm not trying to jump your ass. Ride safe.
oh and thankyou for the advice ;)
Quote from: '04gs500fsarcasm on my part , but whatever ;)
Hey, no sweat. I'm only months removed from being a poor college student, and I bought my GS new in my junior year, so your situation really hits close to home. Just don't run your bike too hard and learn to do as much maintenance on your own as you can and you oughta be fine. And yeah, I'd put off going to the track for now. :lol: You just sound like you're really scraping, either that or you're feeding us melodramatic broke-ass student bitching (gee... I never whined about my finances in college, not me, never... :roll: :P ). :mrgreen: Rubber side down, man. :thumb:
Quote from: GleanerizerQuote from: '04gs500fsarcasm on my part , but whatever ;)
Hey, no sweat. I'm only months removed from being a poor college student, and I bought my GS new in my junior year, so your situation really hits close to home. Just don't run your bike too hard and learn to do as much maintenance on your own as you can and you oughta be fine. And yeah, I'd put off going to the track for now. :lol: You just sound like you're really scraping, either that or you're feeding us melodramatic broke-ass student bitching (gee... I never whined about my finances in college, not me, never... :roll: :P ). :mrgreen: Rubber side down, man. :thumb:
haha so true =/ sadly
inpart bitching
part broke =O haha
Main reason I bought the GS was because of the cheaper insurance rates. I wanted a SV650S or a 600 Katana but I did not want that high of insurance rates.
I am 29, 30 this year, Married and I have not had anything on my DR since I was 19. I pay $411 a year for the GS. The Katana and SV were going to run from $950 to $1050 for full coverage.
Here is a eye opener..
2004 GSX1300R = $2397 for full coverage w/ 500 deducts
2004 R1 = $2399 for full coverage w/ 500 deducts
2004 GSXR600 = $1499 for full coverage w/ 500 deducts
A guy I work with went to get a R1. He is 46 years old, nothing on his record, and has perfect credit and they wanted to charge him $2200 a year for insurance. He is now the proud owner of a 05 HD 1200 SportsterR (roadster) and pays under $300 a year for it.
So I am thinking of selling or trading my Neon for a older Sport bike so I am not required to carry full coverage. I am thinking of a older ?cc Katana or GSXR 600 or 02 and older SV.
Rates are just crazy for SS bikes for most people, I checked on the 05 GSXR600 thru State Farm for me, and to my surprise, only $47.00 per month, not bad.