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
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.
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.
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 wbs: charge)
I recently moved to MA from NH where the same policy was over $1200/year.
So, each state has different rates.
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.
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.
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.
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.
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.
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.
:2cents:
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.
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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