Ducati Monster Forum

when my renewal for ins on my S4R came yesterday. Ive paid $170ish for almost 4 years on the two that I've owned. This renewal? $763. I'm told that somehow American Family must have missed that this is a 'superbike'. (its a super bike, but obviously not a superbike.)   This was a voicemail left for me so I havent had a chance to argue my point yet as Im at work.

Seriously...763? Thats retarded. if they dont change their tune I'l pack up my 4 policies and go somewhere else.

The bike is in no way worth paying that much for.  makes me wonder what theyd try tobnick me for a VFR Ive been thinkin about.

That's freaking ridiculous!  There's probably a million threads about insurance, but definitely threaten to take your business elsewhere, then shop a few of the big names.  I have home, cars, and bikes all with State Farm and I save a lot compared to when I had 3 different companies.

Progressive sent me a renewal of $935 for my S4RS.  They said they were loosing money on moto policies so they were increasing the rates.  :o

I skipped over to the green lizard and have been much happier since.  [beer]

After reading all the crashes on here the last month, I don't doubt it.

mitt

Foremost insurance has a deal with Ducati and has reclassified the Monster and Sport Classics as "standards".  Might give them a try, they were less than Progressive or Geico for me.

My S2R800 with full coverage, $250 deductible (got the $1mil umbrella) runs $360/year.  That's with a multiple bike discount, cars and house under the same policy. 

Is that $170 for 6 mos or 1 year and what coverage do you have? 

That's who I use. Just over $400 a year in AZ and $370 here in CT...

That is crap. I used to have Progressive on an older bike of mine. I was never happy with them. My current rate with the old Gecko just went down by about 20% for this next year.

I won't use Progressive.

You're one of Retrograde's biggest clients, still?

Nope...

I'm with Dewey Cheatum and Howe.

do you wear stooges ties too??

bodily injury: $100K/300K
Property: $100K
Uninsured/Underinsured: $30K/60K
$500 deductible

I pay $513 a year with Geico.  Foremost wanted $890 for the same coverage and Progressive wanted $935.  Farmers wanted $1100 or so.

The choice was pretty clear for me.

Ties?

(http://i28.tinypic.com/2rx8r3s.jpg)           (http://i28.tinypic.com/2rx8r3s.jpg)

yeah, i can totally see you with a tie on:

(http://di1.shopping.com/images1/pi/e3/34/f3/70230934-300x300-0-0_Jumbo+Party+Fancy+Dress+Clown+Jumbo+Dicky+Bow+Tie+.jpg)

He makes more money than I.

Maybe I'll get one.

I get the impression the only ties most people use round these parts are of the "zip" nature...

My insurance with Progressive was $1400 a year.
Full coverage and accessories up to $2000

I was on a foreign drivers license, they were one of the few companies that would cover me.
By far the cheapest of those that would do it. 

 [laugh] [laugh] [laugh] [clap]

Hypermotard 1100S
bodily injury: $100K/200K
Property: $100K
Uninsured/Underinsured: $100K/200K
$0 deductible comp/ $250 collison

I pay $304 a year with USAA.

Try $1000 deductible on Comp. and collision w, full coverage and watch the premium go down.

Dolph        :)

i dont have my coverage in front of me since im still at work, but its full coverage and something like 250/350k ,  150k uninsurd... 5k medical, 500 ded. something like that. good above average coverage. and for that it was 163 last year - thats 12 months.
im going to go meet the agent monday probably and show her its not a crotch rocket or 'superbike' and see if she can talk some sense into the home office. if not I'll tell her amfam has my business until the end of the month when the Duc policy expires. sucks after 18 years.

Does USAA write Moto policies in CA? When I was in AZ and now in CT, they said they don't and said they write them through Progressive which is insanely priced for me...

When I tried to do USAA they told me they would have to do it through progressive.  I am in Nor Cal

I was with progressive with years over paying.  I heard about foremost checked it out and ended up saving a lot.  My agent helped and kept playing with the numbers on the policy to get me the lowest rate while still having great coverage.

08 1098S

Bodily injury: $100K/200K
Property: $100K
Uninsured/Underinsured: $100K/200K
Deductable:$500

State Farm  $256/yr.

God bless Nuevo Mexico!

I'm waiting on the Ducati public option.

Yes. I've heard that rumor a number of times over the last five years. I even had no streetbike for a year or two and wondered if when I re-upped for moto insurance I would be sent to progressive. Didn't happen. My insurance is through USAA.

You would be.

I wish, all of my other policies are through them...

just what are you try'n ta say?




 [laugh]

Ok I'm at home and these are my Duc coverages and what they now want to charge me:

Bodily Injury Liability $250,000/500,000
    and Property Damage Liability $100,000                               146.50
Uninsured Motorists Bodily Injury $250,000/500,000                   169.00
Underinsured Motorists Bodily Injury $250,000/500,000                65.50
Medical Expense $2,000                                                         95.00
Comprehensive $500 Deductible                                              74.50
Collision $500 Deductible                                                      152.00
Guest Passenger                                                                   67.00

Insurance is legalized extortion. That said, I like my knee caps so I pay it. Begrudgingly.

never heard that one. 

i've never been in an at-fault accident, but when my brand new volvo was totalled about 10 years ago by a stupid college girl yapping on her cel phone (and decided to make a 90 deg right turn on the jersey turnpike) i was sure glad she had insurance.   granted, i had uninsured motorist, so i would have been covered, but the cost of my $40,000 car was on her ass otherwise, and try squeezing money out of someone when you need it cause they trashed your 3-month old car.

i'd say it's worth it.

i fell out of my chair laughing when i read this.

Geico is based out of Montgomery Co Maryland (AKA The Peoples Republic of Montgomery County Maryland) I will not use them because of a stunt the pulled locally.
The donated “Ladar” speed guns to the local and State police. Normally I would be ok with such a gesture; But the reasons behind the donation were not very cool with me. If the donation was in the name of public safety, that would have been fine. Geico had other plans though. The reason for the donation was that with a much more reliable and accurate seed gun in the hands of the police the conviction rate would rise. With more speeding conviction they would now have a reason to raise rates across the whole State. Rates jumped up 40% in some areas. This was not ok with me. I left them and went to progressive. I soon dropped them as well. I’m now with State Farm and all is well.

seed gun? sounds dirty.


I'm with state farm. They sweet talk me before they bend me over, so I stay with them.

i too am with SF.

I find insurance to be much like television providers. you more or less have to have it, and no matter which way you turn, there's somebody waiting to rape you.

I currently 'enjoy' getting bent over by state farm, and by at&t u-verse. you might even call it consensual.

I haven't found a company where i was overjoyed to be their client thus far, and don't think such a thing exists.

I have state minimum liability on my 86 Honda CMX250 and it costs $16/yr. That's not a typo. I rarely ride the thing, but it's not street legal unless I carry insurance.

When I added my '79 KZ400 to my policy I got money back (multi-bike discount).

Oh, and we also got a bit of money back for moving to the middle of the twisties. ;D

I just heard back from my agent that American Family will not reclassify the bike back to standard despite me taking pictures of my bike as well as passing along pictures of the stock bike. So just to clarify, this

(http://img.photobucket.com/albums/v327/vwboomer/1012091002.jpg)

is now equal to this

(http://img.photobucket.com/albums/v327/vwboomer/999r.jpg)

I had always thought about getting a superbike but didn't know I had one all along. sweet!


I'll be calling around to a couple insurers this week to get something rolling. This policy expires 10/29 and my house policy on 10/28 so not much time to waste.

Hey KB, NM rates are quite a bit higher than CO. We also have one of the higher uninsured rates in the US. That is what drives our prices up here. My auto policy went up $25 a month when I moved here, and I'm in a better zip code here than I was in CO.

Boomer, I'd say it's time to start shopping it.

Damn, I was lovin' my price.  I had half that coverage with the same deductable, at $138. but figured what the hell, it's cheap, so I bumped it up.

Now I want to see what people are paying for this bike in Colo. The only thing less would be the Insurance co. paying you.

Maybe I'm reading your post wrong.

Nope, you read it right. I was surprised and asked the gal on the phone when she told me my new rates. She said NM has higher rates across the board mostly because of higher un-insured rates. I've also noticed that typically areas with higher per capita earnings are going to have lower comparable rates.

I've got Am Fam, and am in Madison, with my 2004 800ie:

Bodily Injury Liability $100,000/300,000
    and Property Damage Liability $100,000                             34.60
Uninsured Motorists Bodily Injury $100,000/300,000              37.30
Underinsured Motorists Bodily Injury $100,000/300,000         11.90
Medical Expense $5,000                                                           31.40
Comprehensive $500 Deductible                                              10.00
Collision $500 Deductible                                                         27.40
Guest Passenger                                                                      10.20

$162.80/ 12 months, policy doesn't end til the middle of next year.  8)

based on that, & everything else I'm seeing, I think I can live with my rate based on the year & bike I have.

I rode today, it was 76 & sunny. I guess if I was in Colorado Spings or Denver this time of year I would want a deal too.   :)

American Family in IL

Bodily Injury Liability $250,000/500,000
    and Property Damage Liability $250,000                            57.00
Uninsured Motorists Bodily Injury $250,000/500,000              72.50
Underinsured Motorists Bodily Injury $250,000/500,000         24.40
Medical Expense $1,000                                                           26.70
Comprehensive $1000 Deductible                                              29.70
Collision $1000 Deductible                                                         43.30
Guest Passenger                                                                      20.70

$274.30/ 12 months

edit: 25 years old in January, bike is 2005 S2R800

Policy Coverages
Bodily Injury:   []   $25,000 person/$50,000 accident
Property Damage:   []   $10,000 property damage
Supplemental Uninsured/ Underinsured Motorist Bodily Injury:   []   Basic UM ($25,000 person/$50,000 accident)/No SUM
Pedestrian Personal Injury Protection:   []   $50,000
Optional Basic Economic Loss:   []   No coverage
Rental Vehicle Physical Damage:   []   No coverage
Medical Payments:   []   No coverage
Transport Trailer:    []   No coverage
Vehicle Coverages for 2006 DUCATI MONSTER 1000 :
Comprehensive:   []   No coverage
Collision:   []   No coverage
Roadside Assistance:   []   No coverage
Accessory coverage:   []   No coverage

$521

Basically im only covered if a i hit a slug or smaller creature.

NYC- Brooklyn- 21 years old riding for 3.5 years. S2R1000

LOL, true that. You'd be amazed at the crap I've ridden in, not much that will really get me off the bike temp wise. Snow and sleet I won't go out... but I've been caught and done it.

I'm not sure if AmFam raised the rates on the superbike derived engined bikes or just Monsters in general. You guys with policies will have to let us know. Like I said I had both S4R's insured for about 4 years and the rates were based solely on model year and displacement.
My guess is they updated their evil vin number database in an effort to get more money. Plus they're expensive bikes to repair.

well i went with foremost. 239 for the same coverages. better than anyone else i could find on short notice.
I also insured the house with AAA providing 60k more coverage (she thought I needed it) and dropping the price lower than my original amfam price. AmFam renewal $433. Original amfam 383. New AAA price 364. and when I move the truck in Jan it will be 220 - down from the 271 at amfam.
I shoulda done this sooner but the bike cost kept me there.
Unfortunately Foremost wants almost 200 for the GasGas. No way! I'll probably keep that at amfam and it will be about 100