Insurance - Kawasaki KLR 650 Forum
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post #1 of 9 Old 02-20-2017, 07:03 PM Thread Starter
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Location: Van Nuys Cali
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Insurance

My 19 year old is buying a new street bike and we're getting insurance quotes...crazy high in the thousands a year!

What insurance company are ya'll using. Is there a mc carrier maybe specializes in mc insurance that might do better with their rates to help us out so he can even afford to ride the friggen thing?!

2016 KLR 650
2017 BMW S1000RR (traded in for
2018 Ducati V4S
1983 GL1100 Goldwing
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post #2 of 9 Old 02-20-2017, 07:52 PM
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Insurance

MC insurance cost varies in different locations. Your age also is against you.
Older riders may pay less. The type of bike also figures into the cost. Crotch rockets pay more.
Sometimes if you have a house, and auto insured under same company, you may get a break for adding a bike.

Best advice is to keep coverage the same, and just shop/compare for prices.

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post #3 of 9 Old 02-21-2017, 01:19 PM
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36 years old. Spotless record.

Progressive runs me about $120/year. Single vehicle policy.
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post #4 of 9 Old 02-21-2017, 07:05 PM
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Register and insure the bike in your name. It works until the first claim. That is what I did when I was a kid. Put it in my moms name and never had a problem.
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post #5 of 9 Old 02-22-2017, 08:07 PM
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$35 per year for full coverage from Progressive for my KLR. Crazy cheap.
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post #6 of 9 Old 02-22-2017, 08:38 PM Thread Starter
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I shopped around (and around) knowing there had to be cheaper somewhere. Finally came upon Dairyland insurance in who cares where USA at about 1/2 the price (and more) than most others.
Liability only on my '83 Goldwing, with full coverage on the '16 KLR and '17 GSXR 750.
With my 19 year old covered on all 3- $2,700 a year. Yes that's the cheapest! But I'm glad we could get it down from the next cheapest- esurance at $3,400!

2016 KLR 650
2017 BMW S1000RR (traded in for
2018 Ducati V4S
1983 GL1100 Goldwing
2017 Yamaha R1
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post #7 of 9 Old 02-22-2017, 08:56 PM
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Quote:
Originally Posted by dan filipi View Post
I shopped around (and around) knowing there had to be cheaper somewhere. Finally came upon Dairyland insurance in who cares where USA at about 1/2 the price (and more) than most others.
Liability only on my '83 Goldwing, with full coverage on the '16 KLR and '17 GSXR 750.
With my 19 year old covered on all 3- $2,700 a year. Yes that's the cheapest! But I'm glad we could get it down from the next cheapest- esurance at $3,400!
Dairyland saved my ass with my BMWS1000rr. Had the bike with Rider insurance and they reclassified the bike, the bill for full coverage went from $600 to $1500. No tickets or accidents and 55 years old at the time.
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post #8 of 9 Old 02-22-2017, 09:06 PM Thread Starter
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Quote:
Originally Posted by roadrash83 View Post
Dairyland saved my ass with my BMWS1000rr. Had the bike with Rider insurance and they reclassified the bike, the bill for full coverage went from $600 to $1500. No tickets or accidents and 55 years old at the time.
Yep, new rider and high risk bike is what drove us up.
I'm 54 with bike endorsement since 16 and just the Honda minimum liability and KLR full coverage just me would have been under $400 a year.

2016 KLR 650
2017 BMW S1000RR (traded in for
2018 Ducati V4S
1983 GL1100 Goldwing
2017 Yamaha R1
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post #9 of 9 Old 04-27-2017, 03:29 AM
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If you feel that you're motorcycle insurance rates are too high, then you'll be happy to know that there are plenty of things you can do to lower your monthly premiums and get your insurance bill under control again. One way that you can reduce your motorcycle insurance rates is by downsizing your motorcycle from a cost as well as a performance standpoint. Motorcycles that have bigger engines and travel at a higher rate of speed are considered to be more risky. Another way that you can reduce motorcycle insurance rates is by opting for a higher deductible. There are also some other areas from where you can reduce you insurance cost, I got info from this reference. Still looking for cheap motorcycle insurance? If possible get multiple quotes and do take help from the internet.
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