Insurance quote - Kawasaki KLR 650 Forum
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post #1 of 31 Old 04-03-2013, 09:17 PM Thread Starter
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Insurance quote

I've been with Liberty Mutual for I believe 4 years now, for both cars and my homeowners insurance. Accident/ticket free.

They gave me a quote for my bike - I believe it was $320 for the same liability I carry on my cars, and $260 for the absolute minimum legal liability.

That seems high to me, especially since I'd believe I'm getting some bundling discount, and mentioned the MSF class which is supposed to carry another discount.

I'd have guessed this sort of bike to have the lowest insurance premiums - I have several friends with fairly new sport bikes, and I don't believe they pay that much.

Thoughts?
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post #2 of 31 Old 04-03-2013, 09:56 PM
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I just insured my '03 today. $99 basic public liability for a year.
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post #3 of 31 Old 04-03-2013, 11:59 PM
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I think you need to shop around. I've used progressive since forever. It was cheaper than bundling with Farmers where I insure my auto.

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post #4 of 31 Old 04-04-2013, 12:20 AM
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Last spring I shopped around for insurance for the first time in about 24 years... Ended up switching from Allstate to Safeco - better coverage for half the cost.

When I picked up the KLR in September, I believe the annual cost for full coverage was $260.

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post #5 of 31 Old 04-04-2013, 06:02 AM
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I SWITCHED ALL MY INSURANCE FROM FARMERS TO AARP AFTER 30 years , for two cars and home insurance , and cycle , AARP Doesn't insure cycles , kept farmers now there doing the same moving price up a little I think this is one of there stratigies paying around $ 325.00 will need to look around again , should of listened to one of my buddies, who shops all of them every year, has come out way better, also if you get in a accident and its not your fault cycle or car get an attorney right away, got screwed on that one also thinking I could do it myself !!! Never too old to learn at. 70.
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post #6 of 31 Old 04-04-2013, 09:23 AM
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Quote:
Originally Posted by acidman1968 View Post
Last spring I shopped around for insurance for the first time in about 24 years... Ended up switching from Allstate to Safeco - better coverage for half the cost.
Ditto. Allstate really changed their rates for me. I was with them for 35 years and left last year because their rates were crazy high - even with their "long time customer" discount.

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post #7 of 31 Old 04-04-2013, 12:02 PM
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Your insurance company might be doing something similar to what mine did.
I' had been with one insurance company for years (35 years for auto and 25 years for home-owners). Three years ago, when I got the KLR, I called to get a quote. Their are known for giving 15 minute quotes. This time I got a lot of run-around; transfered to several different people. Finally I talked to somebody that gave me a quote of over $600 for the year.
Then I called Progressive and got a quote of just over $200, for basically the same coverage.
So I then went back to my original insurance company. This time I went on-line to see what they would quote me there. Low and behold, my insurance company does not offer motorcycle insurance to New Hampshire residents (along with several other States). I suspect it might be because NH doesn't have a helmet law (but I'm just guessing).
It appears that my original insurance company was trying to make an exception in their rules for me, because I'm a long time customer. Don't do me any favors!
I ended up going with Progressive for the KLR. It's now under $200 per year.
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post #8 of 31 Old 04-04-2013, 02:03 PM
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I shopped around after buying the 2013 KLR. My company didn't cover motorcycles like the previous post so I ended up going with Geico and pay$228.00 for the year with full coverage as I financed my bike and am required to.
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post #9 of 31 Old 04-04-2013, 03:39 PM
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Quote:
Originally Posted by Chris26 View Post
I shopped around after buying the 2013 KLR. My company didn't cover motorcycles like the previous post so I ended up going with Geico and pay$228.00 for the year with full coverage as I financed my bike and am required to.
That's funny (odd funny), because GEICO is my original insurance company that quoted me the high price on the phone (and wouldn't do it at all on-line).
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post #10 of 31 Old 04-04-2013, 08:21 PM
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Here in N.H. I'd been insured by EMC Insurance Companies, on my bikes only. (different ins on car & house)
My latest renewal bill seemed to be quite high, but in line with last years cost.
I decided to give my house, & car agent a call. ( Previously they weren’t any different, so I just didn't think to try them for the last few years.)

I almost fell off my chair when the agent gave me a price for “all 3 bikes” of half the price that EMC billed me for. ( This was with slightly more liability, and medical coverage, and lower deductible.)
The new insurance company is Progressive.

Guess it does pay to check around.

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