2012 CBR1000rr & insurance...

  #1  
Old 09-19-2012, 11:40 AM
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Default 2012 CBR1000rr & insurance...

I recently got accepted for a new job that will about double my income. I had told myself that I was going to buy myself a fireblade as a present to me, then I checked on the insurance. If I leave the policy as is from my F2, and bump back to full coverage, they want over $6,000 / year! WTF! If I drop everything to the min level fiance company's MAY allow, after much pleading, and set the deductable to $1,000 then it gets down to ONLY $2,300 / year. Full coverage on my Chrysler 300 is cheaper than that with a $100 deductable and full glass.

So how do you get around the high as help insurance costs? I would be perfectly fine with an F version of the 1000 ( if I get a newer 600 it will be an F4i, I hate the 600 rr riding position). I am aware there is no 1000F in the lineup, but wish there was. I am a 6'1" 310lb (220 lbs I loose the spare tire and gut) and want the bigger machine, I look a touch silly on the 600. Plus, with my size It's like I'm always carrying a passanger.......

I really want that 2012.
 
  #2  
Old 09-19-2012, 09:34 PM
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Well first question is how old are you? Next would be how's your driving record? I'm 24, married with a kid but my driving record sucks.. I just checked on full coverage for my 08 1k with $500 deductibles and it was $3500 a year. I have been with geico since I got my first car at 16 and have never called them for anything EVER and that's the best they had for me lol. Lucky here in Florida you don't have to have ANY insurance on a motorcycle, but I still pay around $50 for liability coverage a month. So what I'm trying to say is if i paid insurance for a full year it would equal out to almost what I still owe, so what's the point?
 
  #3  
Old 09-20-2012, 11:24 AM
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30, single, a renter, have tickets. I have esurance, which is really progressive (for bikes). I also have never made a claim. My bike did get backed over by a drunk kid in his mommy's escalade, but so her kid didn't get a dui and a hit and run she paid cash for the damage.

All but one of the tickets I have had in the last 3 years have all been because the cop "heard me doing over a hundred mph in town". This 600 is regeared -1+2 with a Vance and Hines exhaust with the silencer removed, it is loud and it revs fast. They will come up behind me as I'm flowing with traffic and ticket me for as little as 3 over just to prove a point, because they think I was speeding, which I wasn't but that's what they all say. One ticket the cop had a speed trap set comming out of one of my favorite corners...

I also live in northern Minnesota, so my riding season is almost over. It is below freezing at night now. That means I'm paying roughly $1,000 a month for insurance in effect at those prices.
 
  #4  
Old 09-20-2012, 11:52 AM
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Let me say this....

1. Do you have health insurance? From your job...which covers in hospital? If yes...

2. Get something pay off...something bigger, older, without payment, no loan. 954rr is not bad. Newer 1000rr is more costly...get something pay off and just furnish liability one way insurance.

Full coverage for the bike itself is not expensive, but medical coverage if you get hurt is what sky rocket the premium.
 
  #5  
Old 09-20-2012, 12:04 PM
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That was without medical coverage!
 
  #6  
Old 09-20-2012, 12:18 PM
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LOL...that's insane cost man....there's a reason why I ride a 94' CBR900RR...perfect example. Kill the wallet...
 
  #7  
Old 09-30-2012, 08:19 AM
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22, single, one ticket 5 years ago.. I pay $350 a year for liablity on my 06 fireblade. They wanted 1300 a year for full coverage, $500 deductible but i opted to go with liability and take the extra 1000 bucks a year and keep it in my bank account and keep it incase something would happen. I would shop around if I were you, maybe you can find a better deal with another company.
 
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