Damn insurance... - Page 2

Cutty72 · 03-05-2010, 12:58 PM

Damn...
Just paid the bill, $560 for full coverage on both the Buell and the SV!

Homeslice · 03-05-2010, 01:33 PM

Quote:

Originally Posted by Cutty72

Damn...
Just paid the bill, $560 for full coverage on both the Buell and the SV!

Yeah, but consider where you live

The zipcode you live in plays a big role.......They use it to look up theft rates, population density, etc.

Apoc, you might have to call up your company and remind them that your tickets fell off your record. They're shady like that, they make YOU tell them shit like that. Hell, I had to call them to remind them to lower my rates after I hit 25. They play that whole "if you don't ask for something you won't get it" game.

Apoc · 03-05-2010, 01:41 PM

Quote:

Originally Posted by Homeslice

Yeah, but consider where you live

The zipcode you live in plays a big role.......They use it to look up theft rates, population density, etc.

Apoc, you might have to call up your company and remind them that your tickets fell off your record. They're shady like that, they make YOU tell them shit like that. Hell, I had to call them to remind them to lower my rates after I hit 25. They play that whole "if you don't ask for something you won't get it" game.

Oh, I did man. I spent about 40 minutes on the phone with them. I got a lot of 'we really want to keep your business', and they got a lot of 'not at 3800$/year, you dont'

marko138 · 03-05-2010, 03:03 PM

Outrageous!

I'm paying just over $400/year for Full Coverage jones on my Buell. With Geico.

wildchild · 03-05-2010, 03:23 PM

can you guys get coverage through HOG up there? might be worth a peek. I know when I lived in Florida they had much lower rates then my local ins.

Cutty72 · 03-05-2010, 03:42 PM

Quote:

Originally Posted by Homeslice

Yeah, but consider where you live

The zipcode you live in plays a big role.......They use it to look up theft rates, population density, etc.

Apoc, you might have to call up your company and remind them that your tickets fell off your record. They're shady like that, they make YOU tell them shit like that. Hell, I had to call them to remind them to lower my rates after I hit 25. They play that whole "if you don't ask for something you won't get it" game.

FC on a Busa was $4000/yr. A lot is the bike.

RACER X · 03-05-2010, 04:23 PM

Quote:

Originally Posted by Cutty72

FC on a Busa was $4000/yr. A lot is the bike.

~$800/yr FC on my busa

apoc, before you drop full coverage, might wanna ask your finance co. what they are going to charge you. they generally don't come repo bikes, they just tak on their own ins. and you're held liable for that amount. so you'd just keep paying for the bike, till bike + their ins. is paid off.

Apoc · 03-05-2010, 05:04 PM

Quote:

Originally Posted by RACER X

~$800/yr FC on my busa

apoc, before you drop full coverage, might wanna ask your finance co. what they are going to charge you. they generally don't come repo bikes, they just tak on their own ins. and you're held liable for that amount. so you'd just keep paying for the bike, till bike + their ins. is paid off.

Quite frankly, im not even sure I require full coverage, I gotta take out the papers later. I just never considered anything else since it was only 1k/year.

But no, as far as I know, they cant add anything but predertimed cost (interest) to a loan, up here at least.

Either way, im not gonna worry about it. They try to add 4k/year onto my loan, and i'll leave the bike and keys out front of the HD dealership, and tell em to fucking keep it. But ill sell it before it has to come to that anyway.

Particle Man · 03-05-2010, 05:53 PM

eff that dude. I only have liability on the SV because of $$ - I would be paying for the bike every few years. I saved up enough to replace the bike if anything happens and carry liability for anyone elses damages (costs me under 100 bucks a year)

Homeslice · 03-05-2010, 07:42 PM

Quote:

Originally Posted by Particle Man

eff that dude. I only have liability on the SV because of $$ - I would be paying for the bike every few years. I saved up enough to replace the bike if anything happens and carry liability for anyone elses damages (costs me under 100 bucks a year)

I never had full coverage on my SV either......It just wasn't a high theft risk. A chain was enough to protect it. Same with my current bike.

03-05-2010, 05:53 PM	#19
Particle Man Custom User Title Join Date: Nov 2008 Location: Central NY Moto: 2003 SV650S Posts: 14,959	eff that dude. I only have liability on the SV because of $$ - I would be paying for the bike every few years. I saved up enough to replace the bike if anything happens and carry liability for anyone elses damages (costs me under 100 bucks a year) __________________ I'm not "fat." I'm "Enlarged to show texture." Handle every stressful situation like a DOG: If you can't eat it or hump it, pi$$ on it & walk away.

03-05-2010, 03:23 PM	#15
wildchild cruiser Join Date: Nov 2008 Location: on the run Moto: '09 HD superglide, 16 Yamaha FZ 09 Posts: 2,749	can you guys get coverage through HOG up there? might be worth a peek. I know when I lived in Florida they had much lower rates then my local ins.