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Discussion Starter · #1 · (Edited)
Hey guys I was actually one of the first members to join back when the Fury became a reality and the furyforums started. I joined because I thought I would read along and one day own this beauty. Well, I may be getting into a deal and an amazing one at that. This is where I need everyones help and honest opinions.

Quote from State Farm: $280/month
Quote from Geico: $150/month
Quote from Progressive: $90/month

Above are the 3 quotes I received. The first 2 may seem high but thats probably because of my age. I'm 24. I have a clean record though. I've owned a sports bike (honda cbr 600) before but it was not insured. I sold it back in 2007.

The last quote above (the Progressive quote) ofcourse is the one i'm most interested in. This coverage is 10k/20k body & 10k property without uninsured motorist coverage.

Now here is where your opinions and advice is needed. I want to know whether you would insure the bike or not and if so, what company you went with and how much you pay a month and what coverage you have for your Fury. If you did not insure your Fury, why you believe this route was right for you?

Also, do financing company require you to have insurance when you finance with them?

Thanks guys!
 

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i'm 33, and i pay $41/month thru state farm. i also own an '88 suzuki intruder 750 which i pay a whopping $20/month. i've owned it for 6 yrs

in missouri, you do not have to have insurance to buy the bike, but you have to have it to tag it ( which after that you can drop it till you have to tag it again)
 

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You really need to check Foremost.... I've beem happy with their rates and coverage. Let me know how you come out.


Foremost Insurance
 

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Discussion Starter · #5 ·
You really need to check Foremost.... I've beem happy with their rates and coverage. Let me know how you come out.


Foremost Insurance
THanks! I just called them and got off the phone with them.

Quote from them was $114/month
which is not bad at all but still a little higher than what i'm looking for.

They have some nice extra perks too.
 

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I work for an insurance broker. i have progressive and i pay $54 a month $660 a year for full coverage (50/100/50 limits) with a 250 collision and comprehensive deductible, and i also have 3,000 in accessory coverage free, and my insurance is based on "total replacement cost" not "actual cash value" meaning if i break my bike i get full value for the bike not the depreciated value like most insurance companies pay out... I'm 25 and single with a clean record plus i get my commission back. :)
 

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Discussion Starter · #7 ·
I work for an insurance broker. i have progressive and i pay $54 a month $660 a year for full coverage (50/100/50 limits) with a 250 collision and comprehensive deductible, and i also have 3,000 in accessory coverage free, and my insurance is based on "total replacement cost" not "actual cash value" meaning if i break my bike i get full value for the bike not the depreciated value like most insurance companies pay out... I'm 25 and single with a clean record plus i get my commission back. :)
Do you get that price because you work for an insurance broker?

Thats an amazing price. Anyway I can get that quote?
 

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Allstate

554.0 a year

300.00 more at geico

Progressive's answers were shady. I was not to sure I would be getting the coverage I needed for their 150.00 cheaper price.
 

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Insurance is a must on bikes unless its a throw away bike man. Im not sure why you have such a high payment but it is not a good idea to have none thats for sure.
 

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Age and driving record must help, 48 years old, last recorded occurance 1992. Pay Progressive $440 a year for coverage.
 

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it takes a dummy to ride without insurance.im sorry,but its true.you hit someone and it could cost you the rest of your life.i dont have that kind of money.i ride with state farm.525.00 a year.im 62 and a clean record so far.i dont know how though.
 

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Discussion Starter · #13 ·
WOW check this out guys!

Allstate just quoted me $62/month!!!!!!

Thats a premium of $732 for 12 months!

Now I just need to make sure that I get the bike at the OTD Price that I want and this may really happen!!!
 

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$1200/year through Allstate, but I have more than the basic coverage. Still seems kinda high, but after a couple more months I can start shopping around for a bit better rate.
 

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Discussion Starter · #15 ·
Insurance is a must on bikes unless its a throw away bike man. Im not sure why you have such a high payment but it is not a good idea to have none thats for sure.
it takes a dummy to ride without insurance.im sorry,but its true.you hit someone and it could cost you the rest of your life.i dont have that kind of money.i ride with state farm.525.00 a year.im 62 and a clean record so far.i dont know how though.
I know exactly what you guys mean. Thanks for your advice and opnions

Everyone has been really helpful
 

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I pay something like 370/yr for my 2 bikes (combines), I have total replacement value on them and 3k for the accessories (which includes custom paint)
 

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I have 3 bikes, 2010 fury, 2003 Shadow Spirit, and 1982 1100 Goldwing. I'm 38 and I got progressive for $395 a year. Yes, $ 395.00 a year for all 3 bikes!!!
 

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I have 3 bikes, 2010 fury, 2003 Shadow Spirit, and 1982 1100 Goldwing. I'm 38 and I got progressive for $395 a year. Yes, $ 395.00 a year for all 3 bikes!!!
Wow, I thought I had a pretty good deal at $435/year for full coverage on both my bikes. What's your secret???
 

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Discussion Starter · #20 ·
I have 3 bikes, 2010 fury, 2003 Shadow Spirit, and 1982 1100 Goldwing. I'm 38 and I got progressive for $395 a year. Yes, $ 395.00 a year for all 3 bikes!!!
Wow, I thought I had a pretty good deal at $435/year for full coverage on both my bikes. What's your secret???
NOT FAIR!!! These are some awesome prices guys!

I really appreciate everyones input.
 
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