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Petereid
| | Posted on Sunday, May 09, 2010 - 08:16 pm: | 
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+1 on Fresno
I pay a 60% surcharge on my Buells just because they are rated as a sportbike. My harley is the cheapest bike I insure and it's valued at double the buells |
Steeleagle
| | Posted on Sunday, May 09, 2010 - 08:18 pm: |
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quote:Im absolutely shocked that no one has chimed in to say "Its riders like you that raise insurance rates." Usually some idiot brings that to an atgatt or like topic.
OK. I'll be an idiot. My insurance agent never once asked me if a wear gear (I do.) or wheelie. So how am I to believe I'm not lumped into the same insurance category as those who DON'T wear gear? My rates obviously reflect the habits and incident rates of all riders ...pending someone shedding light to have me believe the contrary. Yes, when you have an incident, your rates will go up, but if someone has riskier behavior than mine it's not reflected in rates until they have a claim. |
Froggy
| | Posted on Sunday, May 09, 2010 - 08:19 pm: |
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quote:complaining about insurance rates makes me think YOU must have done your own share of boneheaded stunting all by yourself. my rates are so low it's humorous, I write a check once a year. dirty record=high rates
Obviously you know nothing of insurance. Sportbikes cost several times as much to insure than non sport bikes, regardless of driving record and age. Hell my 08 R costs about a grand more to insure for a year than my 09 CR. My 03 Blast is practically free. |
Buell77
| | Posted on Sunday, May 09, 2010 - 08:26 pm: |
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So Baggh are you saying you never break the law? Never Speed? No difference between speeding and stunting. Both illegal. I can tell what kind of person you are by your light flashing comment. When someone flashes you so they can pass you slow down instead of moving over. You're an idiot. |
Jpagel
| | Posted on Sunday, May 09, 2010 - 08:31 pm: |
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Hopefully the road rash will make him think twice about not having full gear on when riding. Also, not having the rear brake covered.. Real "stunters" have additional brake levers installed on the handlebars so that it covered when you are standing on the 12 o'clock bar or the seat. Cops will give you a ticket and/or a ride in the squad car whether you wheelie on the road or in a parking lot.
We here in the US need to take a page out of the European's book and create stunt parks to give the squids a place to play so they don't get seriously hurt or hurt anyone else.
I've done my share of stupid crap.. and it's not anyone's fault but my own. I feel more sorry for the bike that got trashed. There's my 2cents. |
Baggh
| | Posted on Sunday, May 09, 2010 - 08:58 pm: |
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@Buell77... I'm not a saint by any means... I do speed every now and again... as the comment you referred to clearly stated... if the speed limit is 60 I'm guilty of going 70. I generally travel about 10 mph over the limit in built-up city limit highways.
Out in the middle of nowhere TX my buddies and I are guilty of breaking the 100 mph mark... that is with zero other cars around... not even trees.
My "what if..." factor is prob too high which keeps me in check.
Other than that I am a by-the-book sort of guy.
If I don't move and slow down "a tad" because someone thinks I should hurry up just cause they flash me... and I travel 10 mph over the speed limit... then you nailed me... guess I am indeed an idiot.
I don't know... I might additionally be really stupid too but... seems to me there is a world of difference between going 70 mph in a 60 zone... and doing wheelies... just a hunch.
btw... I would never expect someone to move over on the highway just cause I flash my lights... seems kinda arrogant to expect that to me. (unless I was going 50 in the 60 or something... in this case I wouldn't be on the highway). |
Bueller4ever
| | Posted on Sunday, May 09, 2010 - 09:02 pm: |
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2nd gear power wheelies will bite you in the ass, especially on a stock bike, with the twitchy throttle response.
I always wear a helmet, jacket and boots. Leg armor most of the time, especially if i'm going out to the back roads to practice wheelies. |
Jrfitzny
| | Posted on Sunday, May 09, 2010 - 11:35 pm: |
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quote:2nd gear power wheelies will bite you in the ass, especially on a stock bike, with the twitchy throttle response.
How does the Erik Buell Racing ECM effect wheelie/throttle control? |
Socoken
| | Posted on Sunday, May 09, 2010 - 11:39 pm: |
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Everywhere else in the world, drivers move over and yield to faster moving motorists. Americans are so self centered when they drive, its incomprehensible to think about letting someone who wants to go faster get in the way of their comfort level or laziness on cruise control. I once flashed an SUV on the freeway that was pacing a tractor trailer that I didnt want to be next to, and got a "brake check" for my efforts.
Insurance levels are as high as people will pay, regardless as to whether or not hillbilly bob wears full leathers or ricky racer does wheelies. They would gladly charge 5000 a year to everyone if we would pay it, even if no one ever stunted or crashed. They use any justification they can to steal your money.
Check into esurance, they were very reasonable for me, over a thousand cheaper than progressive. |
Baggh
| | Posted on Monday, May 10, 2010 - 12:23 am: |
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*sigh*... sooooo we started out by sharing our various thoughts on a fellow wrecking due to doing wheelies... now Americans driving self-centered is on the table. Nice one... welllllll... it depends on your perspective, upbringing, and various other factors but to me... a person speeding and then expecting other drivers to part as if the road is their own private Red Sea sounds pretty self-centered to me.
Insurance premiums vary for many reasons but one of the main factors is simply the bike model's general history in regards to accidents or pay-outs that are associated with it. Hence why Sportbikes are more expensive... not too many people doing wheelies on VRods, Boulevards, Sportsters, etc. Many of you know this already of course... but yes... this is why stunters, careless riders, etc etc do have an effect on everyone's rates. I have no accidents but my 1125CR\XB rates are tons higher than what my Savage's and Sportster's rates were. |
Froggy
| | Posted on Monday, May 10, 2010 - 12:48 am: |
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quote:Check into esurance,
Funny thing is, I did check them, they wanted $7k a year just to insure my 1125CR, and wouldn't let me even add my 3 other bikes to my plant.
quote:Everywhere else in the world, drivers move over and yield to faster moving motorists. Americans are so self centered when they drive, its incomprehensible to think about letting someone who wants to go faster get in the way of their comfort level or laziness on cruise control. I once flashed an SUV on the freeway that was pacing a tractor trailer that I didnt want to be next to, and got a "brake check" for my efforts.
A shame that it is true.  |
Buell77
| | Posted on Monday, May 10, 2010 - 01:40 am: |
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Why do they put a passing lamp switch on a buell or on my dodge truck for that matter? So you can tell the person in front of you that you want by.
(Message edited by buell77 on May 10, 2010) |
Psayton
| | Posted on Monday, May 10, 2010 - 02:24 am: |
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Back in the Early '90s I was pulled over by an Illinois State Trooper for driving in the left lane. No ticket, he explained the law and let me go. In many states it is law that the left lane is for passing only.
In Texas you are supposed to be on the right side of the lane on a 2 lane black top but not drive on the shoulder (unless you are passing someone turning left AND there is an improved shoulder). People who drive on the shoulder will get a motorcyclist killed and I do not pass them on a bike or in a car until I have a legitimate passing area and room to safely do so. |
Pkforbes87
| | Posted on Monday, May 10, 2010 - 03:18 am: |
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To the OP - Thanks for living up to the stereotype that costs me $185/MONTH to insure my Ulysses. btw, that's after the multi-vehicle and MSF course discounts. I do have one speeding ticket on my record which didn't even change my rates.
Unfortunately, I'm a single 23 year old male so I get grouped together with the likes of you. I won't pretend that I've never exceeded the speed limit or that my front wheel contacts the road surface 100% of the time, but I choose a time and place for those activities that doesn't endanger other motorists. I can only hope that the physical and financial pain of your experience will teach you to use more wisdom the next time you ride.
I couldn't help but notice the "Loud pipes save lives" motto in your profile.
If loud pipes save lives, imagine what learning to ride that thing could do. |
Jules
| | Posted on Monday, May 10, 2010 - 06:12 am: |
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won't pretend that I've never exceeded the speed limit or that my front wheel contacts the road surface 100% of the time
That being the case, what is it that you are suggesting makes you any different from the OP. You speed and you wheelie just the same as him - it's just your selection of venue that differs so unless you meant to add that you only do those things on a closed circuit I'm not sure what the difference is.
It's interesting how this thread has developed, personally, I am sorry every time anyone on two wheels has a mishap whether it's their fault or not.
OK I am a little less sympathic if they're not geared up, but I'm still sympathetic.
(Message edited by jules on May 10, 2010) |
Brumbear
| | Posted on Monday, May 10, 2010 - 07:55 am: |
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How many fatal accidents are caused by stunting and how many are caused by speeding I think you will find a shyt load more fatalities caused by speeding. Then again I am willing to bet non helmet wearing t shirt and flip flop having H-D well I won't say it probably add up to more injuries and thats what really drives up the rates than anything. The rest is image and what ticks a rider off and that is self centered.Your personal view Dumbasses pay for dumb mistakes and hopefully they learn for thier sake not mine period. |
Socoken
| | Posted on Monday, May 10, 2010 - 09:53 am: |
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+1 Brumbear, Jules
Whether you stunt on a closed track or on the street, if you wreck your bike, the insurance companies couldn't care less. So anyone saying that stunting is okay in certain settings, but complaining about insurance rates is silly.
Insurance companies dont insure your bike for what happens, they insure it for what "could" happen. Obviously a 170mph sportbike carries a greater capacity to cause death and destruction than a cruiser. Like I said before, even if the entire sportbike community went 3 years without so much as a speeding ticket, sportbike insurance would still be more expensive than cruisers.
The U.S. National Highway Traffic Safety Administration (NHTSA) has recently updated their "Recent Trends in Fatal Motorcycle Crashes" study. (Note- this study involved all motorcycle crashes, not just fatalities.) I have posted a few interesting results of the study. I was unable to find data on "stunting" but it was not mentioned in single vehicle accidents, leading me to the assumption that it is a cause of a less than significant percentage of accidents with injuries.
" Large displacement motorcycles are underrepresented in accidents but they are associated with higher injury severity when involved in accidents.
Motorcycle riders with previous recent traffic citations and accidents are overrepresented in the accident data.
In single vehicle accidents, motorcycle rider error was present as the accident precipitating factor in about two-thirds of the cases, with the typical error being a slideout and fall due to overbraking or running wide on a curve due to excess speed or under-cornering.
Sixty percent of the motorcyclists were not wearing safety helmets at the time of the accident. Of this group, 26% said they did not wear helmets because they were uncomfortable and inconvenient, and 53% simply had no expectation of accident involvement.
Seventy-three percent of the accident-involved motorcycle riders used no eye protection, and it is likely that the wind on the unprotected eyes contributed in impairment of vision which delayed hazard detection.
Injury severity increases with speed, alcohol involvement and motorcycle size.
Almost half of the fatal accidents show alcohol involvement.
More than half of the accident-involved motorcycle riders had less than 5 months experience on the accident motorcycle, although the total street riding experience was almost 3 years. Motorcycle riders with dirt bike experience are significantly underrepresented in the accident data.
The failure of motorists to detect and recognize motorcycles in traffic is the predominating cause of motorcycle accidents. The driver of the other vehicle involved in collision with the motorcycle did not see the motorcycle before the collision, or did not see the motorcycle until
too late to avoid the collision
The use of heavy boots, jacket, gloves, etc., is effective in preventing or reducing abrasions and lacerations, which are frequent but rarely severe injuries. "
Source- http://www.webbikeworld.com/Motorcycle-Safety/moto rcycle-accident-statistics.htm
In looking at the stats, if you really want to blame someone for your high insurance rates, it appears that cagers, speeders, newbies, and those riding without training are the ones you should be worried about. The cost of a new bike from a wheelie accident is insignificant compared to any type of traffic accident involving an injury.
(Message edited by socoken on May 10, 2010) |
Socoken
| | Posted on Monday, May 10, 2010 - 10:30 am: |
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Also note the last statistic about atgatt, I interpret "rarely severe" to mean "rarely expensive." So, feel free to, as Jules aptly put it "feel less sympathetic" to those who feel the pain of road rash, but dont worry about his pain affecting your wallet. You'd make a LOT more sense complaining about other sportbike riders with speeding tickets driving up your own rates. |
Syonyk
| | Posted on Monday, May 10, 2010 - 10:56 am: |
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and 53% simply had no expectation of accident involvement.
The lolz are heavy with this one.
"Yeah, I decided to wear the helmet today 'cuz I figured I was gonna go out and crash, sounded like a fun afternoon! I mean, I don't normally wear one 'cuz it makes you look like some kinda pansy, but today... well, I mean, if you're gonna go crash, you may as well put it on!" |
Aj2010
| | Posted on Monday, May 10, 2010 - 11:16 am: |
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I was shocked, in a good way. I had been putting off checking insurance prices, I knew an 1125cc sport bike was going to be expensive. The largest displacement bike I've owned thus far was a Sportster 883. I finally sat myself down with the phone book and google search all ready. Instead of going through the phone book, I went with the first listing that came up on the search engine. OK I am NOT admitting that I own a 150cc scooter, but IF I did, I would be very pleasantly shocked to find that insuring my 1125 was only about $50.00 more then the scooter ($207.00). For a grand total of $260.00 /year, I opted for the additional $10.00 to cover up to three tow calls ('cause all the shit I keep reading on here has got me scared LOL) |
Freight_dog
| | Posted on Monday, May 10, 2010 - 11:47 am: |
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*sigh*... sooooo we started out by sharing our various thoughts on a fellow wrecking due to doing wheelies... now Americans driving self-centered is on the table. Nice one... welllllll... it depends on your perspective, upbringing, and various other factors but to me... a person speeding and then expecting other drivers to part as if the road is their own private Red Sea sounds pretty self-centered to me.
No personal attack intended, but...
If you stick to the speed limit religiously and hog the passing lane, you are an a-hole, plain and simple. |
Baggh
| | Posted on Monday, May 10, 2010 - 12:09 pm: |
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I'm not in the passing lane... but yes... I agree with you. That would be rather rude, arrogant, and yes... that would be a a-hole move.
This whole "blink to pass me thing" only happened like 3 times in my life... last time about a month ago. Doing that is actually kind of dangerous unto itself... when I was being "blinked" from behind I was like... "whoa whoa whoa whats going on... do I have a flat, is my bumper hanging off!??!"... then I realized he was in a hurry when he got around me and proceeded to continue going 100+mph
My general rule of thumb is that I ride my bikes like I drive my truck. I dont lane split (although I wish it was legal), tail gate, do wheelies, I use my turn signals all the time (even for changing lanes), etc. I do, as I stated, enjoy getting up to speed FAST on the bike while merging onto the highway, taking off from a traffic light... and I do the 100+ mph thing on the straight aways in the middle of nowhere TX.
There are times on these forums that I have to realize I'm nearly 40 yrs. old... many on here are much younger... during my younger Army years I might have been more inclined to high-five the public road stunters (a bit)... age\wisdom has a way of maturing and slowing a guy down... thank god. |
Dktechguy112
| | Posted on Monday, May 10, 2010 - 02:28 pm: |
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"I was shocked, in a good way. I had been putting off checking insurance prices, I knew an 1125cc sport bike was going to be expensive. The largest displacement bike I've owned thus far was a Sportster 883. I finally sat myself down with the phone book and google search all ready. Instead of going through the phone book, I went with "the first listing that came up on the search engine. OK I am NOT admitting that I own a 150cc scooter, but IF I did, I would be very pleasantly shocked to find that insuring my 1125 was only about $50.00 more then the scooter ($207.00). For a grand total of $260.00 /year, I opted for the additional $10.00 to cover up to three tow calls ('cause all the shit I keep reading on here has got me scared LOL)"
where did you get insurance for $260 a year?
also, if you don't mind me asking how old are you and how many tickets/accidents do you have?
(Message edited by dktechguy112 on May 10, 2010) |
Fresnobuell
| | Posted on Monday, May 10, 2010 - 02:40 pm: |
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Also, what state youi live in makes a huge difference in rate. I have found motorcycle premiums are all over the board. I have been quoted $5,000 to $7,000 per year and other apparently pay MUCH less. It really doesn't make much sense at all cause the expensive portion of the premium is for collision (me wrecking my bike) and the bikes are only worth $5,000 or so and how does anyone even justify paying a couple grand a year in premiums?
Oh of course, if you finance, you are stuck. |
Baggh
| | Posted on Monday, May 10, 2010 - 03:13 pm: |
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Yep... state makes a big difference...
Dang Aj2010... thats a great rate! I pay about $1500 a year for my '09 1125CR and '08 XB12S ($1500 for both). I have roadside assist, 1 accident, 39 years old, and full coverage on both (my bikes are financed). Good thing I have the roadside for when my stator fried. |
Freight_dog
| | Posted on Monday, May 10, 2010 - 11:48 pm: |
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Baggh. Thanks for not being offended. When I said "you" I didn't really mean YOU. |
Clk92vette
| | Posted on Tuesday, May 11, 2010 - 12:55 pm: |
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I just wanted to add my experience to the mix. My wife and I live in Ohio and have an '08 Silverado, a '92 Vette, and an '88 Thunderbird Turbo Coupe, and a '72 Chevelle. All are fully insured with high limits(100/300), except for the Chevelle which is 70% through a frame off resto, and we pay a total of $1,200 per year. I had an '82 Kaw KZ750 that I was paying about $125/yr to insure on top of that. All our insurance is through Progressive and they quoted me about $750/yr for my '08 R which is nuts when you consider the damage any of our cars would cause in a wreck. I went to Geico and insured my 'R for $320/yr. My wife and I have zero citations and zero accidents in the last three years. She is in her thirties, I am in my forties. I know that one accident would raise my rate to about $800/yr with Geico on my R. |
Stirz007
| | Posted on Tuesday, May 11, 2010 - 01:20 pm: |
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My My My - folks are awful quick to jump all over Devon for admitting to something that most, if not all of us, have been guilty of at some point. Talk about Pot calling the kettle black!
I am curious whether others have had the same experience as I: Apparently, the 1125R is considered a 'performance bike' and Geico, Progressive, State Farm raise rates accordingly (higher risk for insurer). I have been told that the CR is not considered a performance bike and rates are lower - weird.
For an over 40, no wrecks, no tickets (for a few years anyway) kinda guy, most quotes came in over $1000/year for the 1125R, even for a relatively 'clean' record. Farmers apparently does not make the performance distinction, so they are closer to $400/yr.
And Devon is not the reason your rates are high, so give the guy a break.. Rates are determined by cost of vehicle, cost of repair of said vehicle, rider demographics and the almighty statistical history. In general, young men + fast bikes = cost to insurance company. They are in business to make a profit - Remember when you were 17-24 and how your rates sucked? |
Froggy
| | Posted on Tuesday, May 11, 2010 - 01:31 pm: |
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quote:I am curious whether others have had the same experience as I: Apparently, the 1125R is considered a 'performance bike' and Geico, Progressive, State Farm raise rates accordingly (higher risk for insurer). I have been told that the CR is not considered a performance bike and rates are lower - weird.
Identical coverage - My 08R costs about a third more to insure than my 09 CR for that reason. |
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