What in the hell? insurance for a 17 year old - TwoWheelForum: Motorcycle and Sportbike forums
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post #1 of 21 (permalink) Old 08-06-2008, 06:20 PM Thread Starter
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What in the hell? insurance for a 17 year old

i am 17

just passed my test and now i have my motorcycle license

I live in brooklyn newyork

Yes near the "big apple"

Anyway

i planned on buying the kawasaki 250r 2008

which was for 3,500

ok so anyway

i give allstate insurance a call

I tell them my age and where i live

i give them the bike model and year and engine cc

and then

son you looking at 5000 a year for full and 1200 for liability


can someone tell me what the **** was that? i never knew insurance would be THAT MUCH

also - i got an online quote from some company named BikelinE Motorcycle / ATV Insurance

and it came out to 11 thousand dollars a year


Uhm

can someone tell me what i am doing wrong?

who do i call for cheap rates

I am just looking to travel to work and go places instead of taking the stupid mta train that suck and is crowded all the time and filled with muggers and drunks
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post #2 of 21 (permalink) Old 08-07-2008, 11:55 AM
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you are 17 and you live in crooklyn, I'm not at all surprise with the numbers you were given. Maybe you can insure it to an older relative, ie uncle, dad, etc.
anyway shop around, maybe you'll get lucky.
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post #3 of 21 (permalink) Old 08-07-2008, 06:27 PM
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you need to get married and buy a house and car. then add your motorcycle to your existing home/auto policy.

or...

get a used bike and settle for liability only.

-a|ex
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post #4 of 21 (permalink) Old 08-07-2008, 08:58 PM
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your 17yo n its a sportbike. You want to see it really high? Call back n get a quote for a 600 or a 1k
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post #5 of 21 (permalink) Old 08-07-2008, 10:18 PM
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At 17 your still considered high risk. Your insurance rates probably won't drop until you turn 25 or so, and they will still be ridiculous because its a sportbike. I would recommend at least getting theft insurance. My friend had an 06 gsxxr 600 stolen and had liability only. He is still paying on that bike and has 8000 left for a bike he doesn't even have anymore. The police also still have not found the bike.
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post #6 of 21 (permalink) Old 08-07-2008, 11:56 PM
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yup I remember being in that very same boat once... ahh the teens
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post #7 of 21 (permalink) Old 08-09-2008, 02:32 AM Thread Starter
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yeah well i chose a different bike and setteled for 1600 a year for liability + thef/fire and something else included

So if someone steals my bike - At least i am covered
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post #8 of 21 (permalink) Old 08-09-2008, 10:08 AM
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You are high risk on a sportbike at 17. Call for a quote on a Rebel and see what the difference is.
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post #9 of 21 (permalink) Old 08-09-2008, 01:36 PM
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Keep shopping around.....you're going to run into some
high rates due to your age, lack of experience and location.

What is your driving history like?

Also, keep in mind that you don't HAVE to get collision. A lot
of people just take that risk.

I am 28 have been riding for over 5 years, own a house and my rate
is 600/year with everything on a 06' GSXR. I also have a reckless on my
driving history ( charge)

I recently moved to MA from NH where the same policy was over $1200/year.
So, each state has different rates.

Good luck.

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post #10 of 21 (permalink) Old 08-12-2008, 03:02 PM
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Being a girl, I get SUPER cheap rates. I went with Progressive for liability only for $162 per year. That's $13.50 per month. Pretty sweet.

I'm 21, I live in Missouri and I ride a 1992 Suzuki GS500.
When I was 17, I called Allstate (it's what I parents have) and got quoted for $600 a year for the 600cc sport bike class. Not sure how new bikes/being a guy/being in NY affects things though.



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post #11 of 21 (permalink) Old 08-15-2008, 12:55 AM
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hmmm, thats odd. This is what i got with progressive. with a 250cc. just include medical stuff and damage to property, which you probably wont need, but no coverage for the bike.
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post #12 of 21 (permalink) Old 08-17-2008, 11:05 AM
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Quote:
Originally Posted by AvusBlueGS View Post
Being a girl, I get SUPER cheap rates. I went with Progressive for liability only for $162 per year. That's $13.50 per month. Pretty sweet.

I'm 21, I live in Missouri and I ride a 1992 Suzuki GS500.
When I was 17, I called Allstate (it's what I parents have) and got quoted for $600 a year for the 600cc sport bike class. Not sure how new bikes/being a guy/being in NY affects things though.
I highlighted the important things. Big City = $$, 17 = $$, new bike = $$, full fairings = $$

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All riders take risks- what you wear usually reflects your respect for the bike and general knowledge of riding.
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post #13 of 21 (permalink) Old 08-17-2008, 08:58 PM
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Quote:
Originally Posted by PlayfulGod View Post
your 17yo n its a sportbike. You want to see it really high? Call back n get a quote for a 600 or a 1k
When I was 17 I was quoted 7k a year for a 2005 GSX-R600. When I was 18 I paid about $50 a month for liability only on Buell Blast.

Today, I'm 19 and 3.1k was the lowest quote for full coverage on an 07 GSX-R600. We'll see what I end up paying for the f4i I just bought.

I'm a female, I have a gpa of 3.5 and I took an MSF course so I do have some discounts. I also have two tickets for 15 over on my record.

Just my experience. If you're financing a bike, get full coverage. Unless it's 7k a year. Then it's a waste of money IMHO.

I don't suffer from insanity. I enjoy every minute of it.
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post #14 of 21 (permalink) Old 08-18-2008, 09:42 PM
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Not saying it is fair, but welcome to the adult world. My stepson had the same problem, all he has is a new 600 Katana. Insurance is not fair and it should be different. But it's not, it really sux. But here in GA, by law, you have to have it.
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post #15 of 21 (permalink) Old 08-20-2008, 02:13 PM
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You can always get a Vespa.
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post #16 of 21 (permalink) Old 08-21-2008, 11:08 AM
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You can always get a Vespa.
Or something that's not brand new.

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post #17 of 21 (permalink) Old 09-05-2008, 04:33 AM
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Wow, thank god for my parents. I didn't realize insurance was so high. They've been with State Farm for a little over 30 years, so even as an 18 year old male with one speeding ticket I'm only paying $400 a year for full coverage on my 08 CBR600rr.
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post #18 of 21 (permalink) Old 10-21-2008, 12:12 AM
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Quote:
Originally Posted by FkItAll View Post
i am 17

just passed my test and now i have my motorcycle license

I live in brooklyn newyork

Yes near the "big apple"

Anyway

i planned on buying the kawasaki 250r 2008

which was for 3,500

ok so anyway

i give allstate insurance a call

I tell them my age and where i live

i give them the bike model and year and engine cc

and then

son you looking at 5000 a year for full and 1200 for liability


can someone tell me what the **** was that? i never knew insurance would be THAT MUCH

also - i got an online quote from some company named BikelinE Motorcycle / ATV Insurance

and it came out to 11 thousand dollars a year


Uhm

can someone tell me what i am doing wrong?

who do i call for cheap rates

I am just looking to travel to work and go places instead of taking the stupid mta train that suck and is crowded all the time and filled with muggers and drunks

I'm 17 too and was looking at the 250r too. I went online at Progressive and Geico, and Progressive gave me the lowest quote of ~$500 / year.

I live in southern California. (and have a clean record) But I didn't get full coverage. Pretty much the lowest coverage of everything if at all. Because I figure with price tag of just under $4k, I don't want to pay a couple times over of the cost of the bike for a years worth of insurance.
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post #19 of 21 (permalink) Old 12-21-2008, 09:15 AM
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Bad Combination

Sorry to hear about your quote, man. Sport bike, teenager and a big city, we have the same disadvantage here in Toronto, Ontario. You may want to try a super-moto many insurance companies classify them as dual sports, so the insurance will be way down. You will still have performance, manuverability and in the big shitty, the suspension travel will save you thousands of kicks in the ass. The Suzuki DRZ400sm may be a good bet.

Good Luck,

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post #20 of 21 (permalink) Old 12-21-2008, 04:44 PM
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I'm an 18f in central jersey and my used 05 zx6r was 1300 for full coverage a year, liability only (thats the minimum) is 500 a year. I think ur just not lookin at the right companies? you're not lookin to insure a 600 so even though i know our rates are higher being young and around the tristate area, you shouldn't be paying 3gs a year??? tri rider insurance, also if u have accident history that makes ur rates a ton worse...btw...geico sucks for bikes don't evne bother with them...try progressive also
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