Decent insurance with a price I can live with. - Stromtrooper Forum : Suzuki V-Strom Motorcycle Forums
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post #1 of 11 Old 02-22-2010, 11:19 AM Thread Starter
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Decent insurance with a price I can live with.

40 something who is taking a plunge back into riding after a 18 year hiatus.
Plan to purchase a Strom (maybe new). Starting looking for insurance and was a little blown away by the rates.

Will be taking GA Driver safety course prior to purchasing bike and insurance.

Yes I'm guessing they concider me a newbie but 1k is outrageous with someone with a clean record.

Any advise
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post #2 of 11 Old 02-22-2010, 02:54 PM
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Check with progressive though an agent, not online.
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post #3 of 11 Old 02-22-2010, 03:53 PM
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After you take the MSF course, try Geico and tell them your total years of riding experience but don't offer up when the experience took place unless they ask. Rule of thumb is do not give the insurance company anymore information than they ask for. And if you in the metro Atlanta 5 county area, bend over.

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post #4 of 11 Old 02-22-2010, 04:48 PM
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[email protected]_US,

Send me a PM and I can give you the name of the agent that I use. She is a rider and Chapter Director of a Goldwing chapter, so she knows something about bikes. She will shop you with several different companies to get the best rate for you.

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post #5 of 11 Old 02-23-2010, 09:28 AM
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Dairyland , real good rates.

RED DL650K6

1990 VX800
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post #6 of 11 Old 02-23-2010, 05:21 PM
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Quote:
Originally Posted by [email protected]_us View Post
40 something who is taking a plunge back into riding after a 18 year hiatus.
Plan to purchase a Strom (maybe new). Starting looking for insurance and was a little blown away by the rates.

Will be taking GA Driver safety course prior to purchasing bike and insurance.

Yes I'm guessing they concider me a newbie but 1k is outrageous with someone with a clean record.

Any advise
[email protected]_US
I had Progressive for awhile with the DL650. When I was quoted for the DL1k, for some reason the jump as outrageous. Shopping around, I ended up with Nationwide, with the rate not much more than what I was paying for the 650. They also have an AMA member discount if I remember correctly.

YMMV..

Some of the more aware dinosaurs warned of the dangers of an iridium-enriched nuclear reactor. 'If this thing goes off', they warned, 'there would be nothing left but cockroaches and mammals.'

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post #7 of 11 Old 02-25-2010, 07:26 AM Thread Starter
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Thanks for all the replies. Any idea what price range I should expect?

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post #8 of 11 Old 02-25-2010, 08:13 AM
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46 yo; clean record; $150 year w/ $500 deductibles on a Vee through Markel. Full coverage, 24/7/365. These guys were half of anybody else I called, including the company I have my cars and house with (for the last 20 years).

Give 'em a call.

Steve
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post #9 of 11 Old 02-25-2010, 10:01 AM
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Best rate for me was w/ Wolverine Mutual Insurance, in MI (using an independant agent). I have had/tried Progressive and State Farm and they were all $150+ more. $550 for a V-strom is ridiculousness, but mostly because they put the DL650 into this category:

Class C: "Extra Hazard Scooter/Dual Purpose Bike"

I have tried to tell them that Suzuki themselves do not approve this bike for off road, so why the "Extra Hazard". Cars can go on gravel roads too, and they are not "Extra Hazard".

Now, $370/year.

.

known as "Vstromdek"
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post #10 of 11 Old 02-25-2010, 10:10 AM
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Quote:
Originally Posted by [email protected]_us View Post
40 something who is taking a plunge back into riding after a 18 year hiatus.
Plan to purchase a Strom (maybe new). Starting looking for insurance and was a little blown away by the rates.

Will be taking GA Driver safety course prior to purchasing bike and insurance.

Yes I'm guessing they concider me a newbie but 1k is outrageous with someone with a clean record.

Any advise
[email protected]_US
Yes, there is another thread about this but here is the meet of what I have (live in Alpharetta) with Liberty Mutual (which just introduced new cycle rates this week). This is FULL coverage including collision...better rate than in comparison to Progressive when I researched this exact same coverage this week.

Liability $250k/$500k/$100k
Uninsured Motorists $250k/$500k/$100k
Comprehensive is $500 deductible
Collision is $500 deductible
Towing & Labor / Roadside Assistance (new for cycles)
Discount for taking the MSF course (new for them to recognize since they did not before)

TOTAL Annual Cost: $323

** 2006 Silver DL 650, Shad SH45 topcase, Givi PL532 Side Rack, Givi E360N side cases, Stebel Air Horn, Givi Engine Guards, Heated Grips, Madstad adjustable windshield brackets, California Scientific Windshield, Corbin seat, Highway Pegs, Yann designed Skidplate, Aprilia side mirrors, Powerlet Adapter, Metzeler Tourance tires, handbar extenders - North Atlanta / Alpharetta, Georgia **
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