Re: motorcycle insurance?
#209443
January 18, 2006 02:09 pm UTC
January 18, 2006 02:09 pm UTC
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Joined: Sep 1998
Posts: 6,079 Mississauga, Ontario
Jeff Mitchell
Senior Member, with Far TOO Much Time on Their Hands
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Senior Member, with Far TOO Much Time on Their Hands
Joined: Sep 1998
Posts: 6,079
Mississauga, Ontario
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Since you've provided almost no useful information (age, driving record, type of bike you're looking for, etc) it's really impossible to say what your insurance might be.
Insurance on "super sport" bikes can range from a grand or so for an experienced rider all the way up to $5k or higher.
If you're under 25, living in Toronto, and you're looking at an R6/R1 or a Ninja 6R/10R, you'll probably get quotes in the $4-5k range. Once you get your car/house/bike all with the same company, it gets a little more reasonable.
I'd suggest you do not get a super sport as a first bike though. Try to find yourself a fun bike that is < 600 ccs and doesn't weight too much. Much easier to learn withough hurting yourself on something like that, and much cheaper on insurance.
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Re: motorcycle insurance?
#209444
January 18, 2006 02:35 pm UTC
January 18, 2006 02:35 pm UTC
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Joined: May 2003
Posts: 7,263 Niagara Falls, Ontario
Ziggy Dietrich
Senior Member, with Far TOO Much Time on Their Hands
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Senior Member, with Far TOO Much Time on Their Hands
Joined: May 2003
Posts: 7,263
Niagara Falls, Ontario
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Good advice. The other thing, once you have insurance, don't let it lapse, no matter what. If you do, when you renew, they will try to classify you as a new rider, same as an 18 year old. I let my insurance lapse, and about 2 years ago they wanted to charge me over $1200./year, even though I have been riding for over 35 years!!
"bluebird" worlds fastest scooter ridden by me "Whitebird" RIP
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Re: motorcycle insurance?
#209449
January 18, 2006 08:57 pm UTC
January 18, 2006 08:57 pm UTC
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Joined: Feb 2002
Posts: 509 London
Steve Burke
Member
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Member
Joined: Feb 2002
Posts: 509
London
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Yeah Chris, your specifics will help. State Farm is the obvious choice if you already have your car with them and a clean record. They only do so many SuperSports per year so you better get on it....
1992 Talon TSi FWD Jackstand Racing 2001 GSX-R600
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Re: motorcycle insurance?
#209451
January 19, 2006 12:56 am UTC
January 19, 2006 12:56 am UTC
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Joined: Jan 2003
Posts: 2,673 Bolton
Dean Boyle
Insane Member
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Insane Member
Joined: Jan 2003
Posts: 2,673
Bolton
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Re: motorcycle insurance?
#209452
January 19, 2006 02:05 am UTC
January 19, 2006 02:05 am UTC
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Joined: Nov 2002
Posts: 569 Almost North Oshawa
Andrew Wilson
Gene Pool Police
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Gene Pool Police
Joined: Nov 2002
Posts: 569
Almost North Oshawa
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do yourself a favour, head into your local state farm shop, sit down with broker and ask him or her, that you'll buy some life insurance if you'll get insurance for your bike. Some statefarm brokers (not all) will do this, And whats life insurance ? 20-40 a month plus your cost of your bike insurance, you'll be saving a ton instead paying 1000s in over priced insurance. I pay $72/month for my "Stock" 1300cc sprotbike, with a clean record and 15 years with my class M, I pay a total of $298/month for two cars(full coverage)house with pool insurance etc and two life insurance policys and the bike through state farm. If you can show me a cheaper rate anywhere else, please show me. The funny thing is Ronnie, got me thinking about statefarm two years ago, when I was facing $6000/year just for my bike before I switch over. thanks Ronnie where ever you are
if you're caught doing 140kmh in a 100 zone = a few points 150kmh in a 100 zone, you'll be arrested. 350kmh in a 100 zone, you'll be shot. On the side of the road. Like a rabid dog...
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Re: motorcycle insurance?
#209454
January 19, 2006 11:49 am UTC
January 19, 2006 11:49 am UTC
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Joined: Feb 2002
Posts: 509 London
Steve Burke
Member
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Member
Joined: Feb 2002
Posts: 509
London
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You don't need a Ferrari for your first car just like you don't need a Duc for your first bike. It will go down, they always do...they are inherently unstable. You might want to check out some bike BB's or talk to some people at Bike shops (Mom and Pop shops), Ducati's are known to break down and have high maintenance costs, parts costs. Ducati's are known to be a great bike but for someone who has experience. I'm not trying to tell you what to do but I don't think you want a liter bike to start out with either.
Oh and when you go down, just so you know the average price of one side of fairing is roughly a grand, that's just the main piece not the tail section or the birdcage....I don't even want to know how much Ducati charges.
Take it easy and find some people that you know and trust to ride with so they can show you the ropes and watch out for cars and what not while you're paying attention to the bike. Take the weekend course, you'll save roughly 30% on insurance and spend as much money as you can on a quality helmet (Shoei, Arai, Suomy, etc) and get a leather coat--don't bother with the textile.
1992 Talon TSi FWD Jackstand Racing 2001 GSX-R600
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Re: motorcycle insurance?
#209455
January 19, 2006 02:06 pm UTC
January 19, 2006 02:06 pm UTC
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Joined: Sep 1998
Posts: 7,944 Halifax, NS
Troy Jollimore
Senior Member, with Far TOO Much Time on Their Hands
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Senior Member, with Far TOO Much Time on Their Hands
Joined: Sep 1998
Posts: 7,944
Halifax, NS
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"Inherently unstable"?!? Words of a rider that can't keep his bike under him. *Laugh* (:
I suppose I learned on dirt bikes and motocross, so crashing was to be expected at times. Get it out of the way then, and less chance you'll drop your 'nice' bike. (:
Listen to yourself, Chris. New rider, no insurance... I'd definitely start out on a Jap bike (even used) so if you mark it up it's no big deal. If you still want to go with it, get the fancy Ducati next season...
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