Insurance Doubling

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beef tits said:
Allstate - $450/year, thats Gold coverage with GAP and the fancy **** where they buy you a brand new bike if it gets totaled.

I also have my truck and 3 houses insured with them, so that may be why its less. My 2008 Hypermotard 1100 was $800/year back when I had it - solo policy.
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I'm with allstate and my street triple was $188/yr, the hyper is close to $900 for the same coverage. I'm starting to shop for new insurance now.
 
WOW, I guess it pays to be old. :D

$182 for full coverage per year on my Hyper and $203 per year on my Multi. State farm does it by displacement only and does not have different catagories. :D

Marc
 
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Coming from a 2013 Street Triple R to this 2013 Hyperstrada, my Rider insurance went up by 10X for the same coverage. I was paying about $150.00 for pretty high limits and it went up to over $1,500. I switched to Geico which lowered it to around $500 for a year. Again, full coverage with high limits. But- yea not sure why insurance is so high on this bike compared to my street triple. The street triple was a more aggressive bike and was just as fast.
 
Bsucardinalfan said:
I'm with allstate and my street triple was $188/yr, the hyper is close to $900 for the same coverage. I'm starting to shop for new insurance now.
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Hey- check out the post I just made regarding street triple vs. hyperstrada.
 
lomax said:
WOW, I guess it pays to be old. :D

$182 for full coverage per year on my Hyper and $203 per year on my Multi. State farm does it by displacement only and does not have different catagories. :D

Marc
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That doesn't sound right. I had my 900 monster on a single policy at state farm for $500 at 6 months. Same coverages on my hyper for 6 months were quoted at $1300.

It may be 13 years newer, but it has less cc's and is only about twice the cost to replace.

Regardless of what an insurance company tells you, "displacement" isn't everything.
 
lomax said:
I can show you my policy if you wish. :rolleyes:

Marc
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I'm not doubting what you pay for insurance, but I don't think state farm only pays attention to displacement.

A new Panigale (1299) would not have cheaper insurance than a new 103ci (1687cc) Harley. It just don't make sense.
 
I have no doubt that they have rating structures that I am not aware of but my agent said they just went off cc and not model. I do know that my 998FE Ducati was cheaper than my 1340 Harley of the same year. :) Just trying to help someone out with a possible cheaper rate.

Marc
 
I currently pay $650 for full coverage on both my hyperstrada and monster. Everywhere I quoted except Allstate was $1200+ for just the strada. They must have the bike rated differently.

Anyone have experience filing a claim with Allstate? Their customer service didn't impress me like progressive did. Haven't had to file any claims yet.
 
all state has been great for me for claims - although i've never made a bike claim.. house and car have been great.

cost is super high though, I think. I still need to shop for a lower rate.
 
lomax said:
I have no doubt that they have rating structures that I am not aware of but my agent said they just went off cc and not model. I do know that my 998FE Ducati was cheaper than my 1340 Harley of the same year. :) Just trying to help someone out with a possible cheaper rate.

Marc
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I've been with State Farm for ages and have had two different agents tell me the same thing.
 

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