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Old 10-06-2013, 11:05 AM   #1
trainman OP
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Location: Fort Worth, Texas
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Insurance, just a question on the 990

I always check the insurance premium's before purchasing a bike. I ran the online quote with Dairyland and it can out to $337.00 per year for a new 2013 990 Adventure, Liability, Collision, Comp. road side service. Does this sound correct, I ran it with Progressive and it was $1338.00 per year for the same coverage. Being 68 years old and a perfect driving record does this sound correct for this bike. My last 2007 BMW 1200 GSA was around $425.00 per year with Progressive. I know there are many factors in insurance quotes, but that sound pretty cheap for that bike with Dairyland. Is the 990 not rated as a high performance bike, because that's the price of what my 650 V-Storm is and it's rated as a high performance bike. Any thoughts on this.

John
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Old 10-06-2013, 01:21 PM   #2
tacosupreme
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I go through progressive. It's $26 a month and I'm 34. Something isn't right with those quotes, call and talk to someone.
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Old 10-06-2013, 06:49 PM   #3
ultimatezap
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45.67 (easy to remember) on my 2013 Baja. Full coverage, 500 comp and collision, 300/500 accident, all the best. Everything else (cars, house) is Sentry insurance, with which Dairyland has ties.
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Old 10-07-2013, 08:27 AM   #4
KTMandu
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Joined: Sep 2007
Location: Lafayette, LA
Oddometer: 328
2006 950 Adv. with Foremost Insurance
Liability: 25K/50K
Property Damage: 25K
Med Payment: $2500 per person
U/M: 25K/50K
Deductible: $500
Opt Equip: $3500
w/various discounts totaling $46.00
Annual Premium: $312 ($26 per month)
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Old 10-07-2013, 10:17 AM   #5
Ramv
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I am around $200 per year each with Foremost on my '07 950 SE and my '10 Ducati. I am mid 30s, no tickets on the record.

I do all my insurance through Farmers though and they discount the Foremost m/c insurance for me.

State Farm was over a grand/year on the Ducati alone. That was why I moved everything to Farmers.

It's definitely varied.
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Old 10-07-2013, 11:03 AM   #6
Douf
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Quote:
Originally Posted by Ramv View Post
State Farm was over a grand/year on the Ducati alone. That was why I moved everything to Farmers.
My experience was exactly the opposite: State Farm was much cheaper than anyone else, although they do require the policy holder be over 25 and have house and car(s) insured with them. I pay the following annual premiums - all 250K/500K/500K liability, comp and collision.

05 950 $172
94 CBR900RR $120
05 Road King $188
03 KLR $123
94 CB1000 $157
01 Speed Triple $188

There doesn't seem to be any rhyme or reason to their pricing structure as far as I can see. All carry $1000 deductibles, which works out favorably if I wreck less than once every 5 years. That being said, I should probably revisit the comp premium on a few of these, since their book values are probably barely more than the deductible.

Douf
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Old 10-07-2013, 08:14 PM   #7
Ramv
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Yeah State Farm sucked for me. I could have done a CbR 600 for half the price since it was totally based on displacement. They were total ass holes and are employed by State Farm where as the Farmers guys are independent and I found some local riders. I really regret paying State Farm all the money I did over the years since they were terrible to deal with (I got hit for behind and they wouldn't file a claim,on my behalf, Farmers had no issues when my truck got ran into) but at the time I needed someone who didn't check credit since I was from out of country and had no established credit in the US.
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'10 Multistrada 1200 Std ('11 - current) for sale
http://advrider.com/forums/showthrea...2#post23383292

'07 Super Enduro 950
'96 KLX250R - kind of street legal
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Old 10-07-2013, 09:09 PM   #8
BigNastybrp
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Location: high speed boogie land, Sunny Ca.
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$380 a year for all Progressive 41 years old clear dmv
1986 xr600l
2002 xr650r
2002 FZ1
2012 990r
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