07 VFR - Insurance Costs?

thats because they dont have to worry about people riding harleys

 

Geico wanted $145 A MONTH for full coverage. I went with State Farm $31 a month for full coverage. Geico can lick my balls

 

Precisely! State Farm was the least expensive (motorcycles wise) insurance i was able to find. And to top it off, its a fine name in insurance, not some offbeat fly-by-night company you never heard of.

 

its also because in the Ins co's eyes, the vfr is a sport bike, and every 18 year old dreamer takes an r1 new from the showrooms and smacks it up on the first ride home.

so the vfr is put into that bucket, an HD is very different, because it is a cruiser

 

All terms used by insurance companies are intentionally misleading since they are in the business of collecting premiums and then finding an exception to avoid paying out when you make a claim. Here's a short primer: (1) In most states "full coverage" just means that you have collision coverage -- it doesn't have anything to do with the amount of the deductible on the collision coverage or the amount of coverage that you have overall; (2) In most states motorcycles do not have "no fault" medical coverage, that means that if you get hurt you and your passenger are responsible for your own medical bills, unless you have other health insurance (which usually tries to avoid paying for motor vehicle accidents) or you win back your expenses months or years later after a lawsuit -- so get optional medical coverage in your policy; (3) Most accidents are caused by people who have no insurance (even if they're supposed to) or have the least amount required -- so get unisured and underinsured coverage "endorsements" in your policy so you can collect against your own policy if one of those morons injures you; and finally (4) The primary purpose of your own insurance is to protect you if you screw up and hurt someone so that if they sue you you don't lose everything you've worked for all of your life -- so don't be cheap about how much insurance you get. Please note that, as per all usual disclaimers, this advice is worth what you paid for it.

 

I pay $207 per year for full coverage with Motorist Mutual, course I live in a rural area in Ohio.

 

I paid $268 per yr for full coverage through Geico ($1k deductible). Go figure, the Tuono is actually cheaper at $248.

 

The adjuster has all of the photos and the bike has since been repaired.
Replaced the following:
1. gas tank
2. both side mirrors
3. rear cowling
4. rear seat cowl
5. rear break light and turn signals
6. right side radiator and cover
7. instrument cluster
8. windshield

We had a super cell develop directly over the house in just a matter of minutes. This included sustained wind of 105mph with golf ball size hail coming in horizontally. It sounded like a 747 was parked over our roof due to an appearant tornado that didn't quite touch down.

The house sustained $72,000 in damage.

 

I have full coverage from progressive. I think its around 400 a year in Texas.
Cheers
John.

 

I would tell you but you would think I was full of shit, but it does remind me that I need to get Neck's bike off my policy......

 

I just bought my 2006 VFR 800. $166 per year through Farm Bureau $100,000/$300,000 liability for Full Coverage. Of course, I live in the "Boonies" of Missouri....lol
$750 deductible. Tied in with house, autos, etc. 42 years old....no history of claims.

I've never turned anything in on insurance, unless I would happen to have a "complete loss".....

 

State Farm was charging me $480 per year for full coverage and 25K in injury coverage. If anyone has seen my previous posts, they know that I have definitely learned the hard way about insurance. After totaling my second VFR through no fault of my own, I learned these tips. Use them wisely.

1. ALWAYS have uninsured/ underinsured coverage. The bad economy is making people run around with the bare minimum in coverage.
2. If your insurance company allows it, get stacking coverage if you have multiple vehicles insured with them. That way you can pull injury coverage from your other policies. It is usually not much more to add that.
3. Choose a deductible that is reasonable for your budget.
4. Shop around. See what options are available to you in your area.
5. If you do get into an accident and are injured, call a lawyer. Like yesterday. Insurance companies look for any way to not have to pay out. A reputable attorney will help you sort it all out. Be prepared for the fee. A good attorney will charge anywhere from 25%-40% of any settlement. It is, however, worth it. I will be glad to refer anyone to my attorney if one is needed in the West Central Florida area.

Bottom line is: sometimes you get what you pay for. I have been hit by a drunk driver and hit by someone who ran a stop sign. That totaled both of my VFRs. The latter one almost killed me. The OP had very little insurance. SF and my lawyers have really came through. Look past the bottom line. And keep the rubber side down.