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Sportbike Insurance Update

This is a discussion on Sportbike Insurance Update within the Off-Topic forums, part of the Yamaha FZ-09 Forums category; Originally Posted by Desert Rat I think most community colleges offer remedial arithmetic classes. LOL, Crap, it should have read $259.56 last year.....

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Thread: Sportbike Insurance Update

  1. #21
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    Crosshairs's Avatar
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    Quote Originally Posted by Desert Rat View Post
    I think most community colleges offer remedial arithmetic classes.
    LOL, Crap, it should have read $259.56 last year..
    2014 FZ09 Mods> Ivans ECU Flash....... Penske 8983....... GP fork piston kit.......Woodcraft Frame Sliders....Woodcraft Axle Sliders ...Woodcraft Engine guards...Chinese spools...
    Spiegler SS brake lines .....APE CC tensioner .....Antigravity AG-801 Battery......tripage LED headlight.......tripage LED pegs ...Watsen Design front turn signals..and some other stuff I dont feel like listing

  2. #22
    Junior Member danieldwn97's Avatar
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    Oct 2016
    I was just reading through this thread and this is the first time I've ever even heard of Dairyland insurance. So I pulled a quote and they happen to be the cheapest full coverage option for me at $721/yr! So what I'm wondering is are these guys good? I'm in Utah, so is it possible to only pay for comprehensive during the winter and upgrade to full coverage when I'm actually riding? btw I'm 19 single male so most companies just love to rape me... Geico wanted $5200/yr.

  3. #23
    Senior Member gsatterw's Avatar
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    Oct 2015
    Baton Rouge, LA
    Check out allstate too. Geico wanted $2700/year from me, and allstate will do $560/yr for full.

    I had liability only from geico for $320 and moved to allstate for $112/yr. None too shabby.

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  5. #24
    Junior Member danieldwn97's Avatar
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    Just did Allstate. They want just over $2000/year for same coverage and higher deductible... looks like in going to Dairyland because IMO 63/month is a steal considering my age and the bike I'm on.

  6. #25
    Member Fz09-117's Avatar
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    Inbred Hell
    Progressive moto only policy, 100/300k liability, $74 per year.

    Doesn't make sense to me to pay for full coverage on a sub $8k bike. Everyone has a different financial situation and risk tolerance though.
    yamfz09 likes this.

  7. #26
    Senior Member Annihilator's Avatar
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    New England
    I went to Progressive who I've had had a multiple vehicles policy for years to get a quote on my FZ09. They wanted north of $3,000. More than I pay for full coverage combined on 3 new Subarus.

    My agent shopped Dairy land and came back with full coverage for $600.


  8. #27
    Jen is offline
    Senior Member Jen's Avatar
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    I have Dairyland for the FZ-09, R3, Honda Shadow and RT Spyder. For full coverage, 100/300 etc, I pay about $250 per bike.

    They wanted $750/yr for the 2016 Ninja zx6r. I went with progressive and got some basic coverage.
    2014 FZ-09 Graphite
    2015 Yamaha R3
    2016 Indian Scout
    2016 Kawasaki ZX6R (sold)
    2006 Harley XL1200L (sold)
    + lots of cars ('86 Grand National, '78 Trans Am, '86 Vette, '10 R/T Challenger, '16 Corvette Z51 3LT, '16's a sickness)

  9. #28
    Senior Member Tigershark's Avatar
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    Sounds to me like the insurance headquarters in each state pays a specified amount to their national headquarters and set their profit margins where they feel like it. I don't believe it's my agent, because he got me a much lower rate with the other insurance.

    Who knows?
    You can't have everything. Where would you put it?

  10. #29
    Senior Member mox44ah's Avatar
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    Quote Originally Posted by Tigershark View Post
    One thing I've learned is customer loyalty won't work with insurance. Every year will be based on the lowest bidder for me.
    Nothing truer than this. I do the same thing. Sure it takes some shopping around but if it saves you several hundred $ over the course of a year, it's worth the time it takes to make a few phone calls.
    ridetofish and yamfz09 like this.

  11. #30
    Senior Member Crossbar1773's Avatar
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    Oct 2016
    Huntington, WV
    You guys do know that there are a lot of variables with insurance, right? Some of those being - credit, bundled insurance like other vehicles and homes. Location based, High risk versus low risk, previous accidents, age etc. The list goes on and on.

    For what its worth, i have allstate and pay $470 a year for the fz. Not to bad. Same coverage as my last bikes.

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