Ducati Monster Forum

I'm really liking www.rider.com (http://) (http://).

I've been with them for 3 years now and just did my 4th renewal for my 950SM-R.  The price drops every year (no claims and I'm 35 with a good driving record)

1st year was like $440 for full coverage (100/300/50 and 100/300 w/ $500 deductible)
2nd was $400
3rd was $240
and the latest was a blistering $142.00

If it goes down any more they'll have to start paying me to ride.

This caught my eye on the testimonial page :) -

"I just switched to your company and saved over $1,200 a year over Progressive on both of my bikes!! I’m telling all of my friends who own motorcycles to check your company out."

JOE W. – West Chester, PA
2007 HARLEY-DAVIDSON SPORTSTER 883, 2001 DUCATI 996


Anyhow, if you're looking, check em out.

they're not licensed in my state apparently. 

i pay $121/month for motorcycle insurance on my streetfighter, which is more than my mercedes. 

Damn :o

or mine.   Something to consider is if you already have health insurance through your work you don't need medical insurance through the insurer.  You'd be surprised how expensive medical on a bike policy can be.  Caveat being to always wear proper gear or they may deny your claim if something happens....check your declarations page.  I pay $421 for three bikes through Progressive.

I pay $55 with geico for my 696 , I have few speeding tickets. I had them give me a quote on 796 and it went upto $180 ???

Is that per month or year?

Per month.. yeah them tickets got me .. and its about to go up after someone try to jack my ignition .

I used to have Rider.  i left them after they told me i would have to pay close to $700 per yr for my s2r 800 and ktm 450 exc (full coverage, no tix, no claims).  I switched to progressive and pay only $350 per yr (full coverage) for both.  [thumbsup]

I live in North Jersey, so YMMV.

Really odd. Seems nobody pays a similar price at the same insurer even if their situations are quite similar. :P

that is odd.  its costs me $120 per year for full coverage with a $500 deductible or $180 with a $100 deductible.   i chose the latter since it's still cheap. 

this is coverage on a 750, 30 yr old, no tickets, 1 claim, also in north jersey.  but from what i hear, the county you live in matters.  i lived in essex, morris, hudson, and bergen counties.  it went down when I moved from essex to morris, went back up when i moved to jersey city, and went down significantly when i moved to bergen county.  the city i lived in essex was significantly nicer (less crime) than the one in morris but due to newark being located in essex county, the premiums were higher.  that was the reasoning i was given by the insurance rep.

Damn, guys.   My S4 has been about $250/year for full coverage since I bought it about 3 years ago, with a ticket about every year and a half (I'm pretty consistent that way).   

But check this out, I just traded an old XR650 Supermoto that I had, for a Sportster for my wife (hey, it's what she wanted), and since it's not financed or anything, and will probably only get ridden about 50 miles a year, I'm liability only on that sucker, and it's in my name since I've had a motorcycle license for about 34 years.    It added $10 per year to my Ducati coverage.   Now check this out.   I just bought a 1970 Honda CT-70, that is street legal, and to put it on the same policy as the Ducati and Harley, adds $11 per year to my bill.   I guess the 70's 4 horsepower is higher than the 1100 Sportsters. 

you mean lack of parts for the 70's is what increases your premium ;)

1 pay $10/month for everything but collision. This is with State Farm in Colorado on a M695.  I have home and car bundled with them, though.... FWIW.

No way, those CT-70s are cult bikes, everything has been repro'd or is still available. 

Living in the sticks is good for insurance apparently:

$121 a year for two bikes and two riders... with full coverage on the Duc, from Progressive.

When posting rates I think it would help if you guys posted your age, your bike, location, and coverage amounts.

I'm 24 with a s2r 800 in MD just outside of DC and I'm getting quotes of 872 from Progressive and Foremost with full coverage (100/300) and 500 deduct. I might look into getting out the medical since I do have health insurance. And will def give rider a call

I went from AAA to State Farm and am now w GEICO.  $286 for the year gets me:
BI 300/300
PD 100
UM/BI 100/300
Comp $50
Coll $250
incl.  towing

over 30, single, completely clean driving and claims record living in NorCal.
M696+

being in a neighboring zip code with all other facts identical can raise your rates.

check this out:

http://motorcycle-insurance.findthebest.com (http://motorcycle-insurance.findthebest.com)

I'm not posting my age, let's just say I'm mature. I'm also an Ex-MSF instructor and a graduate of numerous riding and racing schools. I'm paying ~$1,067 a year full coverage on all my bikes, plus a Scooter, except the Paso, I don't want them to total it if something was to happen so I just have liability. I do not have medical, that advice is good, if you need medical as the result of an accident you will only be able to get paid from one insurer and typically your work coverage is your Primary Care provider. I live in No. Va and Progressive is my insurance. I was taken out on the Beltway 2 years ago, guy clipped my front tire while changing lanes, there was $3,800 damage to my ST3, progressive was obessive IMHO about putting it back together to original condition, my rates did not go up. I also had a claim on my Victory, vanadalism when some guy went berserk and damaged a bunch of vehicles in the neighborhood, I think the parts were around $500. Shh No Tickets issued, proably a bunch deserved. - Gene

Wow, it seems kind of high to me.   You're an old guy like me, I've got tickets, I've got a felony evading (but from 10 years ago), but I've never had a claim. I realize you've got a bit more to cover than me, but your premium is 4 times what mine is.   Is VA that much higher a risk factor than Santa Barbara County in CA?:

29, male, clean record (no tickets, no claims in 5+ years)

2 cars + 1 bike in MA: $3k/yr with USAA, split evenly across the three vehicles with full coverage [bang]

:o

twolanefun brings up a good point regarding classes.  Ask the various carriers if they discount for MSF courses.  State Farm in CO does not. However, their rates are pretty low as-is (at least in Colorado).

Also of note, they will not insure a moto part time, yearly only, so you can't drop/start with the seasons to save money if you don't ride in the winter.

most don't have that, but you can lower your coverage at any time.  that's what i do when it gets cold.  drop the liability to state minimum, drop all other non-required coverages and increase the comprehensive/collision.  You're only worried about theft during winter months. 

my agent asked me why i did that, and i told him flat out : " i don't ride when it gets wintertime ".  He said "no problem" and repriced the policy without any hassle.

Makes me wonder... if your bike is in your garage and you have homeowner's insurance, it should be covered without additional auto coverage.  I'll have to check with my agent to get the full scoop...

Don't bet on that.

State Farm home owners doesn't cover things like bikes and cars because they can have their own policies.

Nope.  Autos and other vehicles are specifically excluded in every policy I've ever seen.  So are expensive jewelry, bullion, collections of expensive items, and so forth.  You have to add a policy for those, or an auto policy for a bike/car/pwc etc

When it comes to riding season again and you raise your coverages do you find that your rates are any different or higher than the previous year?

nope.  they use the same criteria to price you.

the reason it doesn't change is that i keep the policy in place with minimums for liability.  the issue when they price is how long you'e been covered and what your record is.  they don't really care if you raise or lower it, and when my agent understood was wasn't riding ~at all~ then the risk for them is ZERO. 

Male, age 27 in Ohio with clean driving record = $110.00 / year (after MSF discount.)

That's with Progressive.

I got a call today from my State Farm agent.  They said my motorcycle insurance has had a change in the underwriting guidelines that will make my current $120/month payment $58/month instead.  woooooooooooooo.  that's full coverage including medical.  anyone with state farm insurance might want to give their agent a call.

age:  35
location:  dallas, tx
bike:  2010 streetfighter

Wow. I'm calling tomorrow

Progressive has been very competitive, and I have to give kudos to my local agent who's been very communicative in getting great rates.  For one year, $400 on an '08 S2R 1000.  Worth a look.

I've also heard great things about Dairyland.