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Discussion Starter #1
Does anyone here in the states have their 899 insured through State Farm?

I'm very happy with their rates but for some reason they can't find the 899 in their system. They keep saying the model comes up as an 1199, which I obviously don't want to use incase something happens & I'm pretty sure the premium has to be slightly higher for the 1199.

Thanks.
 

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I do, and I just provided the engine displacement since i was in the same boat looking for a quote. The rate turned out to be pretty similar to my 675. Make sure you let them know about the ABS, traction control, etc.
 

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I do. They had to list it as a 2013 899 and I gave them the engine cc. They said once the 2014 is added, it would be modified to reflect correctly. Ended up being exactly what my 848 cost to insure.
 

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I also have mine insured through State Farm. My agent just asked for the engine CC size, make model and MSRP. Bike is cheaper to insure than my 2012 R1! He also mentioned that the 899 was not listed in their system yet, but didnt matter because they are just concerned with engine size and MSRP.
 

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I also have mine insured through State Farm. My agent just asked for the engine CC size, make model and MSRP. Bike is cheaper to insure than my 2012 R1! He also mentioned that the 899 was not listed in their system yet, but didnt matter because they are just concerned with engine size and MSRP.
Good news!
At least once it's in their system you shouldn't expect a price hike. I would be surprised if that happened to some people because it's a Ducati.
 

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Discussion Starter #7
Thanks for the reply guys. It actually helped & saved me some cash. My agent ended up doing what you suggested (after I told her). She put in the CC's & MSRP. She said it might change a little but it was almost 33% cheaper than the 1199 quote. It's basically the same monthly amount that I pay on my Deuce.
 

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Thanks for the reply guys. It actually helped & saved me some cash. My agent ended up doing what you suggested (after I told her). She put in the CC's & MSRP. She said it might change a little but it was almost 33% cheaper than the 1199 quote. It's basically the same monthly amount that I pay on my Deuce.

Good to hear! yeah state farm is all about the CC's.. 1199 insurance is going to be way more than 899 through them!
 

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Hi Nikka488,

How much did you end up paying for an yearly insurance??

Thanks,
CJ.

Thanks for the reply guys. It actually helped & saved me some cash. My agent ended up doing what you suggested (after I told her). She put in the CC's & MSRP. She said it might change a little but it was almost 33% cheaper than the 1199 quote. It's basically the same monthly amount that I pay on my Deuce.
 

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Discussion Starter #10
Hi Nikka488,

How much did you end up paying for an yearly insurance??

Thanks,
CJ.
CJ,
I'm paying $396 a year. But I should preface this with a few things:
I've been with State Farm for 21 years
I have a multi-line discount, no claims & a $1K deductible.
 

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Wow, that is way too less than what i am paying,,,21 years make he** of a difference..!!;)

Cheers,
CJ.

CJ,
I'm paying $396 a year. But I should preface this with a few things:
I've been with State Farm for 21 years
I have a multi-line discount, no claims & a $1K deductible.
 

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God dang, I'm paying $840 a yr/$70pr month, same as my 848 was.

I'm 34, they said it doesn't qualify for multiple policy discounts because the bike needs to be it's own policy from my cars and renters :confused: I have 1 ticket on record for only 10 over from more than a yr ago and I've been a customer for 4/5yrs since I dropped Geico. Been motorcycle licensed for 17yrs and took the MST to get it.

Maybe I'm getting hosed because they aren't giving me the multi policy discount? Maybe telling them it has ABS/TC will help?
 

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Discussion Starter #13
God dang, I'm paying $840 a yr/$70pr month, same as my 848 was.

I'm 34, they said it doesn't qualify for multiple policy discounts because the bike needs to be it's own policy from my cars and renters :confused: I have 1 ticket on record for only 10 over from more than a yr ago and I've been a customer for 4/5yrs since I dropped Geico. Been motorcycle licensed for 17yrs and took the MST to get it.

Maybe I'm getting hosed because they aren't giving me the multi policy discount? Maybe telling them it has ABS/TC will help?
Your quote sounds decent. What's your deductible? The monthly price difference can be substantial the lower your deductible is.

Do you have/qualify for the low mileage discount? (I think it's less than 7500 miles per vehicle per year). Between my car & bikes I generally don't put more than that per vehicle.
 

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God dang, I'm paying $840 a yr/$70pr month, same as my 848 was.

I'm 34, they said it doesn't qualify for multiple policy discounts because the bike needs to be it's own policy from my cars and renters :confused: I have 1 ticket on record for only 10 over from more than a yr ago and I've been a customer for 4/5yrs since I dropped Geico. Been motorcycle licensed for 17yrs and took the MST to get it.

Maybe I'm getting hosed because they aren't giving me the multi policy discount? Maybe telling them it has ABS/TC will help?
I pay $582 a year for mine through state farm. $500 deductibles.

He was trying to get me to switch my vehicles and homeowners over to him so I let him get me a quote, he couldn't beat my current USAA but in all that he mentioned the bike had to be on it's own policy so I couldn't get multivehicle discounts on the bike insurance.

He said multi motorcycle would qualify for multi discount... I was almost like hmmmm challenge accepted. Haha.
 

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Your quote sounds decent. What's your deductible? The monthly price difference can be substantial the lower your deductible is.

Do you have/qualify for the low mileage discount? (I think it's less than 7500 miles per vehicle per year). Between my car & bikes I generally don't put more than that per vehicle.
I set my deductible high, like $1,500. I can easily pay that plus I think over a years time the discount I get for having it that high almost saves that much lol.

I told them only 5,000 miles a year, TOPS. She didn't mention if that put me into low mileage discount or not.

I'm still waiting on my initial insurance card and letter showing all of my policy specifics. It's been more than 3 weeks since I bought the bike and I'm still riding using a printed out temp 30-day insurance card.

My local agent was closed the day I bought my bike so I had to do it all thru State Farm's corp office.
 

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CJ,
I'm paying $396 a year. But I should preface this with a few things:
I've been with State Farm for 21 years
I have a multi-line discount, no claims & a $1K deductible.
That's how much I'm paying too and that's with a multi-line discount that includes two bikes and three automobiles and a home owners ins. But yup the 899 is not in their system yet and they made a mistake putting me initially as a 1199 and wow the rates was about $25 more per month. Finally they just use the cc and the msrp price.
 

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I set my deductible high, like $1,500. I can easily pay that plus I think over a years time the discount I get for having it that high almost saves that much lol.

I told them only 5,000 miles a year, TOPS. She didn't mention if that put me into low mileage discount or not.

I'm still waiting on my initial insurance card and letter showing all of my policy specifics. It's been more than 3 weeks since I bought the bike and I'm still riding using a printed out temp 30-day insurance card.

My local agent was closed the day I bought my bike so I had to do it all thru State Farm's corp office.
EDIT: I just got a letter saying they lowered me down to $38.05 a month from like $70, sweeeeeeeeet
 

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CJ,
I'm paying $396 a year. But I should preface this with a few things:
I've been with State Farm for 21 years
I have a multi-line discount, no claims & a $1K deductible.
My question might seem stupid but I'll ask ...This is a full coverage on the bike ...or ?
 

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I was just quoted wit state farm at $600 a year for full coverage. But I think it will go down cause they bound me as an 1199. I didnt notice until the end. I will call them once it is officially bound and try to change it to an 899 cc bike.
 

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I was just quoted wit state farm at $600 a year for full coverage. But I think it will go down cause they bound me as an 1199. I didnt notice until the end. I will call them once it is officially bound and try to change it to an 899 cc bike.
Good luck, it's an 898cc bike tho BTW :D Should be good for another $150-$200 a year I'd think.
 
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