| Author | Message | ||
     Jak |
If any of you are curious why some of us have to pay huge insurance bills, take a look in the Cool Buell Pics and look at our "stunter friend" not wearing a damn jacket. I feel better, not much, just a little. Kilgore | ||
| Cactus_dave |
98$ a year is all I pay  | ||
| Nutsnbolt |
yea, I think that I'm at 44 dollars a premium... so that's 88 bucks a year. Plus, there's no shock why most rates are also determined by age, too. | ||
| Bads1 |
So are insurance is going up because Ryan isn't wearing a jacket??? I don't think so but it is his right whether he does or not but he is wearing a helmet and is practicing in a area where he and company have permission and isn't indangering other motorist's on public streets or HWY's. | ||
| Firebolteric_ma |
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| Jak |
Okay never mind, I guess riding on one wheel without full protection is an acceptable practice. If I had known that was how to get a break on my insurance I would have started practicing. I'll call my agent and see what one wheel and no hands will get me. Kilgore | ||
| Nutsnbolt |
the same price you're paying right now. Won't matter either way. you know, I know people who drive trucks and cars with flip flop on, too. However, they wear a seat belt. I would also say that riding a motorcycle on one wheel is a lot safer than driving a car on two. You doing or NOT doing wheelies in a helmet and no gear or full gear is already fixed into your ridiculous rates as it is. Killjoy. | ||
| Not_purple_s2 |
Just playing with Geico, the differences between bikes are crazy New Buell XB12 MSRP: $10,500 , Yrly Ins: $1400 New SV650 MSRP: $6,000, yrly ins: $700 New GSX600 MSRP: $8,900 , yrly Ins: $2500 New Hayabusa MSRP: $11,200, yrly Ins: $4700 My 96 Buell S2: KBB:$5000, yrl Ins: $580 These are rates for me, 25yr old, single, male. Without collision or comp it's less than $200. The insurance for the Hayabusa is crazy. It's as if they are sure you're gonna total the bike before you pay it off. | ||
| Xbeau12s |
I am 25y/o, clean record (some speeding tickets) and I pay $18/mth. full coverage through American Family on my 04XB12S. Pretty good deal I think. | ||
| Urbansurfking |
Username: Jak Full Name: Joshua Kilgore E-mail Address: (Hidden)... ...Life History/Philosophy: See Personal Quote... Top speed on 2 wheels (mph): 140ish (indicated) Preferred engine oil (brand/grade): KY Thank God you kept your top speed on two wheels down to 140ish | ||
| Cochise |
I can attest to Kilgore's protection. He is ALWAYS in full gear, even when he goes to work. The problem is, too often these coneheads go out with helmet and no other protection. Whether or not someone is on private land with permission doesn't matter. If he gets hurt he will still have to say to the insurance, I was stunting w/o gear on private land and viola(sic)insurance problem, well unless he is a good liar. Oh yeah, and I received an ear full from Mr. Kilgore over MY video of me doing wheelies in a T-shirt and no Helmet (But I DID have on Steel Toed Boots  ) | ||
| Sgthigg |
New Buell XB12 MSRP: $10,500 , Yrly Ins: $1400 New SV650 MSRP: $6,000, yrly ins: $700 New GSX600 MSRP: $8,900 , yrly Ins: $2500 New Hayabusa MSRP: $11,200, yrly Ins: $4700 My 96 Buell S2: KBB:$5000, yrl Ins: $580 Wonder why bikes that cost less are more to insure???? Cause more claims are made on them. Riding on one wheel is putting you into a higher probability rate you will dump/crash,etc wich = more claims. | ||
| Jak |
Urbansurfking-I fail to understand your point. I should probably go a step further and explain to those that do not understand my point what I do for a living. I manage a skilled nursing facility. This past year I had a gentleman in my care that wrecked screwing around on his bike. His injuries, most caused by not wearing appropriate gear, destroyed this 42 year old. He has a daughter who depends on him and had to leave her in the care of others. After 8 months of intense therapy at multiple facilities, he is finally getting back to the form and mental capacity that he was before the accident. I also had a friend of mine wreck this summer not wearing the appropriate gear and he is lucky to be alive. Both issues went on insurance and as a result the rest of us (obviously not all of us) will pay something because of the choices these individuals made. To sum up, the increased cost of insurance is not my only gripe. I'm more concerned about people wearing protective gear to reduce bodily harm. Auto insurance is only one part of the equation by the way, motorcycle accidents also affect our health insurance rates, although not directly. Kilgore | ||
| Taxman |
if any of you have your buell insurance through state farm in michigan you should do some research. i started off insuring my bike with there office in petoskey. when i moved to charlevoix i went in to the local office here to change everything over. everything was fine untill it went to the underwriters. i was adding my girlfriend on my car policy and she had not been insured for over 30 days. this is the only reason it went to the underwriters for a policy check, or whatever it is they do. they called the charlevoix office and said that they could not insure the buell. state farms stance is that buells fall under the "sport bike" category and they will not insure any bike of the sort. i asked them why i had been paying them to insure it for the last two years through the petoskey office. they said that that office must not have checked to see if it was a bike that state farm will insure. the initial reason that i went with state farm was they had told me that they do not take style of bike into consideration when offering insurance. in fact to get an accurate quote all i had to do was give them the year and engine size. i did research on state farm and then on AAA, the two local offices here for insurance. neither one will insure buells. sidenote: MI is a mandatory insurance state. you have to have insurance in order to be leagal. one nice thing about this is if you pull into an insurance office by law they are forced to give you a quote to insure you. they can not deny you coverage. if you fall outside of there normal coverage you end up in "the pool" but you are insured through that office that you went to. acording to the state attourney general they ARE allowed to deny coverage for types of motorcycles. sidenote #2: in michigan it is mandatory that all vehicles pay into "catostrophic claims". if you are horibly mangled in an accident this will help pay your bills. motorcyclists pay in also, yet in michigan motorcyclist cannot collect on catostrophic claims. again, i contacted the state attourney general's office and was informed that this was correct. also some insurance companies will not pay out on bills related to a motorcycle accident. my girlfriend and i contacted our insurance providers when we heard this (we didn't beleive it) and found out that her health insurance did not cover any health problems related to a motorcycle accident, but mine did. her bike is a suzuki intruder and she was given the option to purchase health coverage in increments of $10,000 through her auto insurance. please. if you live in michigan and do not beleive me, do some research and find out for yourself. every state is different, what is the case here may not be accurate in other states. but in any case be aware of what affects you if you are in an accident. i found out that if i had been in an accident with my buell insured through the petoskey state farm agency that they would NOT have been bound to pay out on a claim to me because it states on some paper somewhere that i signed that there is a list of motorcycles that state farm won't insure, and buell is one of them. between not being able to get local insurance, and not having a local dealer. i decided not to buy another buell. | ||
| Bads1 |
I'm with State Farm and have been for 20 plus years with the same agent. No such problems. Hell if they did decide to wack me or even drop it for the type of bike they'd lose me as a customer that has 11 policies with them. | ||
| Xbrad9r |
your credit score also hurts your insurance rates as well...the worse your credit the higher your insurance... | ||
| Ratyson |
Taxman, That is some messed up legislation you guys have up there. The gov't forcing private busines owners to take clients. And also forcing you to pay into a "lump account" to pay for other peoples health insurance (which is what this catastrophic claims thing sounds like). Sounds like you guys need to find some new representation. One thing that sounds really odd is the what you said about not covering the bike. It seems as though if you have a policy, and are current with your premiums, they wouldn't have much of a choice legally. That was some good information. I will be checking on these issues in my state as well. Thanks Jak, I am going to wager a guess that if Ryan were to fail to successfully complete a stunt, he would most likely not be filing an insurance claim that would affect our premiums in any way. First of all, his bike is protected with a stunt cage. Any damage would probably be minimal. Secondly, most stunts of this nature are done at pretty slow speeds. I am not saying that he could not be injured, but his injuries would most likely be MUCH less than those sustaned by "Larry Lawobeyer" on his sundy drive through the twisties after that person made a left turn in his path. It also appears as though Ryan is doing these stunts in a 'somewhat' controlled arena (i.e. no traffic or other dangers) so he is being somewhat safe about it (there are obvious dangers involved, but isn't that true of anything?). I guess what I am trying to say is this: Ryan is not affecting our insurance rates. However, that person that is screaming down the highway at 140ish (indicated)} might cost me and you about 5 cents more if he wrecks. (Message edited by ratyson on November 06, 2006) (Message edited by ratyson on November 06, 2006) | ||
| Bads1 |
Credit can effect rate but that is if the company use's your credit scores to help determine your rate. State Farm does not in Wisconsin for that matter. Funny thing is a Gsxr or R1 are cheaper for me just cause the cc's are less of that of the Buell. | ||
| Fresnobuell |
Motorcycle insurance seems to be all over the board as far as the premiums. I cannot understand it at all. I share everyone's frustration. | ||
| Unbuellievable |
i go through state farm for all my insurance (renters, car, bike). the bike is 78 bucks a month (single white male, 24 yo). i know that sounds like a ton of money but the kicker is when i put it in storage for the winter (i live in the north woods) it's only 11 bucks a month. just something to consider... | ||
| Brucelee |
Auto and M/C insurance is regulated state by state. Variation is HUGE due to this and other industry factors. As such, it is always difficult to answer these specific questions. |
