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: roguegeek

Quote 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: '04gs500f

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

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.

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: '04gs500f

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...

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