Insurance Rate Shenanigans

I'm paying about 460 a year for full coverage, roadside assistance, towing, gear coverage and all that. I have State Farm in GA.

Wow! I'm in Texas and I have full coverage on all my vehicles and don't come anywhere close to $400/month.

Jings! I added mine to my other bikes policy and it cost around £120… GBP

It gets renewed 20th Jan 2014 - the fun shall begin then, but at least more folk will have had quotes by then and I shall have better options in the UK…

The highest quote I received was around $560/month. Why is the 899 so expensive to insure?

You need to shop around, I had quotes all the way up to 1,800 a month for full coverage before I found my State Farm rate. In TX I was paying over 600 a year on my CBR 600RR, and now I'm paying less on my Duc in GA.

If I can't find something reasonable, I'm not going to be able to get the 899. I thought my age was a major factor, but if that were the case, my other rates would be extremely high as well, right?

Geico...$108 for Harley to $800 a year...not bad considering I heard others quoted for $2000 a year.

Commercial Insurance.....don't ask!!

I am paying $680/yr for full coverage from Geico, which I think is not bad at all for Oklahoma state. my deductible are $1000. as Evolution mentioned, you need to shop around more...some companies quoted me around $3600/yr, which i'll say is stupid.

Evolution said:

I'm paying about 460 a year for full coverage, roadside assistance, towing, gear coverage and all that. I have State Farm in GA.

Click to expand...

Hi Evolution,

How much are your deductibles for the insurance???

Thanks,
CJ.

Make sure they know it's an 899. Displacement matters and since the bikes are new they may be quoting you for a panigale 1199. Also, don't forget that us more 'mature' folks get better rates...

teeny said:

Jings! I added mine to my other bikes policy and it cost around £120… GBP

It gets renewed 20th Jan 2014 - the fun shall begin then, but at least more folk will have had quotes by then and I shall have better options in the UK…

Click to expand...

Teeny - drop me a message as a reminder, I took out a new policy with mine as Swinton Bikes who I had my last policy have turned into thieving bastards and wanted just short of a grand to change my policy over which has been running since September. Did the usual Compare the Merkat stuff and was getting quotes around £550 for the year (that's with full NCD). Phoned a company recommended by Ducati Manchester and got the policy for £335 with protected NCD and commuting, bit better. Can send ya the details for when your ready for a quote.

Insurance

Desmo_Outlaw110 said:

After finally making up my mind about the 899, I was ready to purchase one. That is until I ran a quote through my insurance provider. $405/month!! They must be out of their mind. I currently have my truck, car, two motorcycles and renters insurance with them. I think I'm being stiffed.. what are y'all paying?

Click to expand...

I'm in Ontario, Canada. I pick my 899 up in the spring. I've been quote $879 / 12 months by TD Meloche Monnex (they use Security National Insurance). I have my house and car with them. The are the group insurance provider for the place I work.

teeny said:

Jings! I added mine to my other bikes policy and it cost around £120… GBP

It gets renewed 20th Jan 2014 - the fun shall begin then, but at least more folk will have had quotes by then and I shall have better options in the UK…

Click to expand...

Best quote I got was £530 GBP for the 899 and my Street Bob. It over doubled if I didn't fit the Ducati alarm system or a Bike Trac system. I went with the Ducati one because of warranty and no need for cutting into the wiring loom.. its just plug and play and £230 fitted.

On the downside I think it uses the same plug as the oem trickle charger so i've got to fit a battery tender lead

I'm 29 years old and live in Northern CA. I pay $50 a month with State Farm, full coverage. At the time of purchase (November) they didn't have the bike in their system yet, so they just based the rate off the MSRP.

pete899 said:

Best quote I got was £530 GBP for the 899 and my Street Bob. It over doubled if I didn't fit the Ducati alarm system or a Bike Trac system. I went with the Ducati one because of warranty and no need for cutting into the wiring loom.. its just plug and play and £230 fitted.

On the downside I think it uses the same plug as the oem trickle charger so i've got to fit a battery tender lead

Click to expand...

Forgot to add to this that the best quote was through the e-bike brokers on the net with the policy through Aegis I think.

Lagina Motorcycles recommended me Ducati Insurance for a great first year deal but they are only good if you have the one bike apparently

Ok, I need to reshop around. I'm with Progressive (thru USAA) with full coverage and $500/deductibles and paying $2500/annually (clean record and riding over 5-years). Going to look into State Farm, Farmers and Geico.

*Update* quote from Geico is $1600/annual, looks like I'm switching.

I'm in San Diego and I have AAA, full coverage is 350 a year

DoubleLow7 said:

Ok, I need to reshop around. I'm with Progressive (thru USAA) with full coverage and $500/deductibles and paying $2500/annually (clean record and riding over 5-years). Going to look into State Farm, Farmers and Geico.

*Update* quote from Geico is $1600/annual, looks like I'm switching.

Click to expand...

I had geigo right before I switched to AAA. I would definitely give AAA a call

DoubleLow7 said:

Ok, I need to reshop around. I'm with Progressive (thru USAA) with full coverage and $500/deductibles and paying $2500/annually (clean record and riding over 5-years). Going to look into State Farm, Farmers and Geico.

*Update* quote from Geico is $1600/annual, looks like I'm switching.

Click to expand...

State Farms usually beats Geico and USAA. I had to cancel USAA a year ago because they have become too expensive. Check AAA as well.