Addin' a bike insurance estimates... - BMW Luxury Touring Community
 
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post #1 of 8 Old Nov 25th, 2006, 9:58 am Thread Starter
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Addin' a bike insurance estimates...

ok, I play the lottery twice a week, and after the Int'l motorcycle show my daydreams have been of a second bike (hey, it won't happen, but a guy can dream).

For grins, I went to the Progressive website and "quoted prices for adding a new motorcycle" just out of curiosity.

Now, I am in LUST with that new K1200S with the black/silver/blue color scheme, but am also now VERY intrigued with the upcoming K1200R-s a half-faired version of the "R" which is the only thing keeping me from being very interested in it in the first place---because I like the more upright seating position of it.

Insurance for the "S" is more than TWICE what it would cost me annually for the R-S, and 2.2 TIMES what it would be for the "plain" R.

for grins, I ran "concours" and it was half of the R, but that was for the 2007, I imagine it's gonna be a LOT more for the '08, with that monster of an engine. HOW much more, I wonder...

So maybe when I sell that extra kidney on pakistani EBay, I'll get the k1200R-sport and have a paint job


Pete

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post #2 of 8 Old Nov 25th, 2006, 6:07 pm
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Yup, I had a K1200S for a time and the insurance was outragous.

Ended up selling it but not because of the insurance costs. I was more afraid I would lose my license! It just cruises at 90 mph and it is quite comfortable in bursts hitting 140.

You cannot keep from twisting the throttle on the KS. I don't care how hard you try. It's intoxicating.

I think the insurance industry understands this, as well.

Mike M

2007 K1200GT Dark Graphite
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post #3 of 8 Old Nov 25th, 2006, 7:00 pm
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Try Geico, I paid $250 per year for the 998 and Progressive wanted $1700

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post #4 of 8 Old Nov 25th, 2006, 7:11 pm
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I'm paying $799 for two bikes for one year 100/300/50 full coverage here in Northern California. Deductible is $500.

1st bike = K1200S $500
2nd bike = 998 Ducati $299

Geico.



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post #5 of 8 Old Nov 25th, 2006, 7:38 pm
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Quote:
Originally Posted by petevandyke
ok, I play the lottery twice a week, and after the Int'l motorcycle show my daydreams have been of a second bike (hey, it won't happen, but a guy can dream).

For grins, I went to the Progressive website and "quoted prices for adding a new motorcycle" just out of curiosity.

Now, I am in LUST with that new K1200S with the black/silver/blue color scheme, but am also now VERY intrigued with the upcoming K1200R-s a half-faired version of the "R" which is the only thing keeping me from being very interested in it in the first place---because I like the more upright seating position of it.

Insurance for the "S" is more than TWICE what it would cost me annually for the R-S, and 2.2 TIMES what it would be for the "plain" R.

for grins, I ran "concours" and it was half of the R, but that was for the 2007, I imagine it's gonna be a LOT more for the '08, with that monster of an engine. HOW much more, I wonder...

So maybe when I sell that extra kidney on pakistani EBay, I'll get the k1200R-sport and have a paint job


Pete
Pete, call a progressive agent local to you. Sometimes they can "tweak" the rates that you can't do on the web site. I'd like to see you on that second bike that you want!

"Those who would give up essential liberty to purchase a little temporary safety, deserve neither liberty nor safety." (Some really OLD friggin' White dude who couldn't have possibly known what he was talking about!) WARNING: Official HATE speech!
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post #6 of 8 Old Nov 26th, 2006, 9:04 am
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Geico has the best rates for my area. Progressive was double Geico for the LT if I remember correctly. I have all three through Geico and it's less than just the LT with Progressive.
Also, not sure if you have any autos but if you put all your vehicles under one company you can usually save a fair bit with a quantity discount.

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post #7 of 8 Old Nov 26th, 2006, 4:57 pm
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No way Progressive

My record is not perfect a couple fender benders almost three years ago. Went online to get a quote for the two cars. they wanted $496 a month.

For my Bike I have "American Modern Home Company" they are out of Ohio and with 100/300/50 My cost is 478 a year. That is up from the 380 pre trashing of the 03 R1200CLC. There is a reduction for renewal and a multi bike reduction. LT alone would was 728.

Toby in New York
1983 R80RT Red (sold)
'03 R1200CLC (T-boned and replaced with)
'04 R1200CL Sidestand problem, BMW traded me for
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post #8 of 8 Old Nov 26th, 2006, 7:17 pm Thread Starter
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definitely confused...

Yeah, I have some lookin to do...

My policy on the LT comes up in April...when I signed it in '06, Progressive was almost HALF what Geico quoted me. At the time I lived in the Chicago Suburbs, but I hear that in other geographic areas (one of which being Texas where I live now), it makes a difference--a friend here in the Dallas area said the exact opposite regarding a VROD she rides, that Geico's quote was half of Progressive's.

She also said that she got a SUPER rate from them (insider info from the Geico rep) by switching her two cars first, then putting the bike on the next day instead of just insuring the bike...anyone else have experience with this?

Saturday I was told "Dairyland Insurance" is a really good one to look into"

I'm thinkin' Nationwide ain't gonna' be too interested in insuring the two-wheelers after my 530i turned into a taco in October.

I didn't realize this was gonna' turn into the helpful thread it's turning into, RE: who to look to for insurance, but thank you all and thank others in advance...was just making the observation that the full fairing on the "S" equalled twice the annual premium as the nekkid R or R-sport, which was a lot more than I anticipated, even though I knew that "fairing sport bike = high insurance"

I wonder what the rates on the Concours 14 are going to be...if the insurance companies will immediately classify it as a "superbike" or if they will throw it in the same "touring" category as the LT until they learn better that the thing has a rocketship engine under the seats?

P

========================================
When life throws you a curve, LEAN INTO IT!!!
2000 R1100RT-P...R.I.P. "Old motorcycle"
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2004 K1200LT "Lick and Tickle"
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FU*K Cancer. If I have one more MRI, I'll stick to the refrigerator door.
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