not an owner yet, and this is why....
 

Hey everyone, I've been reading this forum for about a month now and I have really learned a lot from everyone. I have always wanted a sportbike, but never knew which one...until now. I've done alot of research and have decided on a 05' cbr 600 rr. The problem is the insurance quotes I have recieved are out of this world. I'm 22, live in southern california, and recently got a DUI. I will soon be taking the MSF course so I can get more experience on riding, and also lower the insurance rate. I went to Progressive for a quote and they would only offer me a 12 month term. the guy said something like $25,000 for full coverage, and $6,000 for liability. Next I called Geico for a quote, and she told me they won't insure me becuase of the recent DUI. I knew my insurance rates would go up because of the DUI but.... WOW! I know i can find a better rate somewhere. Does anyone know of a decent company that will insure in my area. All I am really looking for is liability coverage with theft insurance. Thanks for any advise I recieve in advance! Oh, and also thanks for having me on the forum.

RE: not an owner yet, and this is why....
 

I found state farm was the best but you will probably have trouble getting on with
them because the DUI. You might try a search under "insurance" I know I've seen
this question several times before. You might need to buy an older bike outright
to give you more options until the DUI drops off. It helps alot if you have a
house and multiple cars all under the same insurance company....good luck

RE: not an owner yet, and this is why....
 

you can try esurance, mercury, etc or any of those "low end" insurance companies. They might be able to help you out. Good luck.

RE: not an owner yet, and this is why....
 

[sm=jawdrop.gif] [sm=jawdrop.gif] [sm=jawdrop.gif]

RE: not an owner yet, and this is why....
 

You are quite candid about getting a DUI. To me this suggests that this wasa once in a lifetime expirence that you learned from. Welcome to the site and good luck.

RE: not an owner yet, and this is why....
 

i went to esurance.com and went to the mortorcycle insurance, and that went to geico. im gonna try mercury in the morning.

RE: not an owner yet, and this is why....
 

those quotes are insane but ive heard that state farm is the best and i would never recomend progressive thats what i have now and ive had nothing but problems with them so im about to try and switch to state farm probably

RE: not an owner yet, and this is why....
 

well its not something to be proud of. and yes i havedefinitely learned from it... i guess you live and you learn. thank you for the welcome

RE: not an owner yet, and this is why....
 

Does California even require insurance? Florida doesn't. But I did have Progressive (1100/yr) and now I have state farm (400/year), fortunately I haven't been caught DUI, although in my past there were many times I shouldn't have been driving and I have been lucky not to get caught or crash and hurt somebody (I am alot smarter now, no more than one drink when I am out).

Good luck with you search, California has some great place to ride.

RE: not an owner yet, and this is why....
 

http://ridewithmcgraw.com/MCHome.html

Try a qoute from here.

RE: not an owner yet, and this is why....
 

Hello & Welcome!!:D

RE: not an owner yet, and this is why....
 

Yes! they have very strict insurance laws. A law was just passed this year stating that if you dont have proof of insurance on a vehicle, the registration will be suspened. But either way I have to have an SR-22 fiiled with the DMV or my license will be suspened....so yeah i need insurance.

RE: not an owner yet, and this is why....
 

Ouch. Never saw an insurance quote like that. I agree with Mad that you'll have to find a "low end" insurance company, maybe through a broker, that would be willing to cover you for liability only.

RE: not an owner yet, and this is why....
 

Maybe the RR isn't for you, there are alot of other bikes that are very capable on the rode and in all honesty, a 600cc sportbike is alot for a noob, so maybe something else would be better for alot of reasons. Maybe an older used bike or some of the naked bikes are very cool and maybe be cheaper to insure and easier to ride for a year or two until you can figure a way to get that DUI to drop off or something.

RE: not an owner yet, and this is why....
 

With the recent DUI and the wanting of a 600 cc RR, I don't think your going to be finding a lot of good insurance quotes. Perhaps going with another type of bike for a little while until you can get better quotes on insurance would be a better idea. In Cali these insurance rates are ridiculous I know this too because I live here, luckily I still go with my parents when insuring, and since they are insuring 5 cars a house, and another bike in the name they give us a good break on my motorcycle. If I ever got a DUI, although, no one would insure me most likely for a good price as well on a sportbike. ]

Not trying to be an ass just trying to be realistic, insurance companies probably view you as a ridiculously high risk to insure, because of the DUI and you being in your early twenties with no motorcycle experience.

RE: not an owner yet, and this is why....
 

Can anyone tell me what is a DUI? I'm far way from your place guys. Is it same like my place here where we call it NCB (non claimable benefit)? its a diskaun rate every year when you renew your insurance if you had not involved in any accidents.

RE: not an owner yet, and this is why....
 

Driving under the influence

RE: not an owner yet, and this is why....
 

DUI is driving under the influence, also known as DWI - Driving while intoxicated.

RE: not an owner yet, and this is why....
 

Thanks guys. Down here our licence will be revoked if we are found guilty of driving under the influence

RE: not an owner yet, and this is why....
 

Should have seen a lawyer to get that taken care of. He probably would have saved you a ton of money insurance wise where all you had to do was pay his fee. Now you have to wait til the DUI drops off and that could take a while.

RE: not an owner yet, and this is why....
 

i got quoted 24$ a month, clean record, liability only. comprehensive coverage is 85 a month