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Davet261
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« on: February 20, 2012, 01:15:38 PM » |
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I am curious to see what others are paying for insurance for their motorcycles, full/liability and insurance company.
Mine is American Family
Insured:
2008 Ford Crossover (Full)
1998 Valk (Full)
1998 Ford Taurus (Liability)
2002 Ford Taurus (liability
Total Annual cost: $3120.00
This dont include my house insurance, it is included in my house payment(also have 1 mil umbrella on inground pool)
I am insurance poor.....
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Jess Tolbirt
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« Reply #1 on: February 20, 2012, 01:23:15 PM » |
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well lets see now,,
car is with consumers ins. and full coverage on a 2010 Soul is 68 bucs a month.
full coverage on my 2012 electra glide is 48 a month thru progressive.
thats it, so say 1200 a year
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Valkyrie member # 23084
Started out on old forum on day one but lost my member number.
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Grumpy
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« Reply #2 on: February 20, 2012, 01:33:40 PM » |
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2003 2500 dodge ram Full coverage
2007 pt cruiser Full coverage
1999 Valkyrie Interstate Full coverage
2010 Yahama rt 600 Full coverage
2011 Pace 18 ft cargo trailer Full coverage
$1730.00 per year, Liberty Mutual Insurance
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 Life is like a hot bath. It feels good while you’re in it, but the longer you stay in, the more wrinkled you get. |
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John Schmidt
Member
Posts: 15392
a/k/a Stuffy. '99 I/S Valk Roadsmith Trike
De Pere, WI (Green Bay)
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« Reply #3 on: February 20, 2012, 01:52:26 PM » |
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I have the homeowner's and cars as a package, cost is around $2800/year. It's heavy on liability due to the pool even though it's screened in and the access doors have handles over 5' above the patio. Plus we also carry flood insurance at a cost of $425/yr. We beefed up our coverage a little after the 2004 hurricanes, one passed right over the house causing just under $100k in damage. A real fun night!
The bike is fully covered with an extra rider for add-ons, total cost this year is $168 with Markel. Also have higher liability/property damage.
On the homeowner package, the cars are:
2008 Toyota Highlander
1994 Lexus ES300(well over 100k & runs like a clock)
1994 Chariot trailer bike hauler
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« Last Edit: February 20, 2012, 01:56:27 PM by John Schmidt »
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biguglyman
Member
Posts: 579
"AN ARMED SOCIETY IS A POLITE SOCIETY"
Brockport, NY
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« Reply #4 on: February 20, 2012, 02:58:27 PM » |
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Around $1000 a year for homeowners/cars (older and paid for cars with just liability). Valkyrie is $80 a year for just liability.
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R J
Member
Posts: 13380
DS-0009 ...... # 173
Des Moines, IA
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« Reply #5 on: February 20, 2012, 03:12:30 PM » |
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Vell lets see.
2012 Dakota Quad Cab
2011 Toyota Highlander
1997 Valkyrie Tourer
1987 Cobra (Chevy) Trike
House Insurance
Jewelry coverage - $22,000
I million Umbrella
Full cover on all vehicles,
House and out building are covered for $300K
$2,513 total for a year.
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44 Harley ServiCar   |
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fudgie
Member
Posts: 10660
Better to be judged by 12, then carried by 6.
Huntington Indiana
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« Reply #6 on: February 20, 2012, 03:20:59 PM » |
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04 GMC Z-71
98 Valkyrie
01 Blazer
Renters
All full coverage.
$1,584
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 Now you're in the world of the wolves... And we welcome all you sheep... VRCC-#7196 VRCCDS-#0175 DTR PGR |
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YoungPUP
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« Reply #7 on: February 20, 2012, 04:41:03 PM » |
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2012 Subaru impreza-full
2003 Grand cherokee-full
House $2300 a yr w/state farm
99 Std Full with towing
$160 a yr with progressive
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Yea though I ride through the valley of the Shadow of Death I shall fear no evil. For I ride the Baddest Mother F$#^er In that valley!
99 STD (Under construction)
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bscrive
Member
Posts: 2539
Out with the old...in with the wooohoooo!!!!
Ottawa, Ontario
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« Reply #8 on: February 20, 2012, 06:07:27 PM » |
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1999 Interstate is $838 full coverage
2005 Rebel (wife's bike, she just stared riding) is $712 full coverage
2009 Civic EX-L is $922 full coverage
2000 Chev Impala is $611 full coverage
House for $600k is $1300
Grand total is $4383. A lot of freakin dough.
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 If global warming is happening...why is it so cold up here? |
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Jess from VA
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« Reply #9 on: February 20, 2012, 06:56:47 PM » |
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One car and two bikes....... a lot lower than all of the above.  |
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BigBod
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« Reply #10 on: February 21, 2012, 02:30:34 AM » |
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Year 2000 Valk
Year 1998 GL1500 Wing with EZS sidecar conversion
Year 2000 Honda 650 Deauville
All full cover for the equivilant of $525 a year here in UK..
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Davet261
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« Reply #11 on: February 21, 2012, 02:49:24 PM » |
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At 3100.00 for a car and a motorcycle with full coverage and 2 old beaters with liability I think I am getting ripped off. Sure I had 2 DWI's way back when I was young but I havent had a ticket since around 1992 or 93. No way should I be paying this much.... And this is not including house insurance....
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moreira72
Member
Posts: 176
VRCC# 33494
Clark, NJ. 07066
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« Reply #12 on: February 21, 2012, 03:05:38 PM » |
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Here in New Jersey I have Rider Insurance Co.
1996 Honda Shadow VT1100C was $127 a Year
2001 Harley Sportster 1200C was $136 a Year
1999 Valk Interstate just renewed in October for $264 a year
All prices are full coverage.
I'm 40 with no accidents or points ever.
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BIG--T
Member
Posts: 3002
1998 Standard, 2000 Interstate
The Twilight Zone
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« Reply #13 on: February 21, 2012, 03:40:34 PM » |
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At 3100.00 for a car and a motorcycle with full coverage and 2 old beaters with liability I think I am getting ripped off. Sure I had 2 DWI's way back when I was young but I havent had a ticket since around 1992 or 93. No way should I be paying this much.... And this is not including house insurance....
I agree- way too much! With no tickets in 5 years you should qualify for a safe driver's discount too! I would take the time to shop and call around with identical coverage. Here Allstate, State Farm, Nationwide have some decent rates and I'm sure all states will vary. So far American Modern beat Progressive , Foremost, and Geico prices for bikes.  |
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stude31
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« Reply #14 on: February 21, 2012, 09:45:26 PM » |
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I went with Dairyland Insurance and couldn't be happier. What American Family was going to insure me for was way too much. I am paying 390.00 for two valks 99 I/S and 98 Tourer (annual). They also cover up to 5k in accessories.
Auto is with AMICA along with the house. I have a 95 civic, 98 chevy 1ton cost me for liability 400.00 a year.
I have not had a ticket since high school when my agent warned me that one more ticket I would be high risk so I figured out how to obey the speed limits. I am now in my 30's.
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ChromeDome
Member
Posts: 2177
Aurora, IL.
60 miles West of Chicago!
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« Reply #15 on: February 23, 2012, 07:47:48 AM » |
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My Car is with State Farm $800.00 The Valk with Progressive $500.00 (includes coverage for the BushTec Trailer) For a total of .................$1300.00 I was going to move the Valk & BushTec Trailer to State Farm but they were talking almost double what I pay progressive.  |
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SANDMAN5
Member
Posts: 2176
Mileage 65875
East TN
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« Reply #16 on: February 23, 2012, 07:59:47 AM » |
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Full coverage on all...
Valk with Progressive....158 yr
03 F150 Supercrew and
00 Jeep Wrangler both with Farm Bureau...around 800yr
So, a little less than 1000 for all.
Homeowners with Farm Bureau a little under 700yr.
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"Evolution" is a dying religion being kept alive with tax dollars.  |
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Valk_ca
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« Reply #17 on: February 23, 2012, 06:47:45 PM » |
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Here in our province (Manitoba) we have the most expensive motorcycle insurance in the world. And its not even close. To ride a bike here you have to be a die-hard enthusiast. No one else rides. Motorcycles are becoming a rare sight. Why? We have public owned insurance with no option to buy private. And the costs of any accident a motorcycle is involved in is always attributed to the motorcycle. No matter who is at fault. Its how they justify the high rates.
Are you sitting down? Here's what I pay for 2 bikes. Full coverage.
1997 Honda Goldwing SE - $1682.00
1998 Valkyrie Std - $1680.00
Total = $3362.00
And here's rub #1 - our riding season is only 5 months so they pro-rate it so that you pay the whole amount during those 5 months. Want to cancel your insurance at the end of October? No problem, but you don't get any money back. Want to wait until May to insure it? No problem, but you still owe the total amount.
And here's rub #2 - the amount quoted is at the maximum 30% good driving record. Haven't had an at fault accident since 1977 and my last speeding ticket was in 1995. I have one accident or speeding ticket (highway act violations are tied into insurance premiums) and I lose the discount. Ouch.
Add my '99 Nissan Quest and the '02 Accord and my insurance bill for vehicles alone runs to $6000. And I'm the lucky one. My BIL rides a Honda Interceptor and pays $3200/yr. Crotch rockets get burned on their rates.
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Lawrence
2001 Valk Interstate
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