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Old 07-02-2013, 10:03 PM   #1
beochie OP
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bmw f 800 st my only insurace option?

I need a bike for commuting, fun, and weekend touring. I'd like good gas mileage, wind protection(Michigan gets cold way too early), FI, and reliability. The bmw f800 st seems to check the boxes and insurance is 40 bux a month.

If I were to get the "S" model it jacks it up to $54. WTF!!! every other bike, like the VFR is $80 a month..thats nuts.

What other bikes should I be looking at that insurance wont bankrupt me.
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Old 07-02-2013, 11:21 PM   #2
Jimmy the Heater
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Well I used to work for an insurance company so maybe I can chime in here.

First of all every company is different. Some base it on displacement only, others take the type of bike into account as well.

State Farm goes by displacement only and I'm sure others do too. Get quotes from as many companies as you can on what bike you really want. Do not let insurance cost alone determine what bike you ride.

Say you really want that VFR, but your current company has it priced out of reach. Quote that bike with other insurance companies and see what you can find.

As to why the S model is more expensive with less plastic than the ST, you have to look at the market. Its billed as a sportier option, therefore a greater risk of riding faster, more claims, etc.
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Old 07-03-2013, 04:34 AM   #3
JerryH
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The VFR is going to be super expensive any way you look at it. It's a sport bike, and they are a very high risk proposition for any insurance company. I had a 1500 Goldwing insured with Dairyland/Sentry for about $65 a year (minimum liability only) and a Kawasaki EX500 Ninja insured with the same company. It cost more than twice as much. Why? Because it looks like a sportbike and has the Ninja name. it is in a high risk group. Around here, about 90% of all sport bikes get crashed in the first 5 years. I got that from an insurance agent. Full coverage on a 1000cc sport bike would cost me about $1500 a year, and I'm 54 with a perfect record.
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Old 07-03-2013, 07:59 AM   #4
LuciferMutt
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Quote:
Originally Posted by JerryH View Post
The VFR is going to be super expensive any way you look at it. It's a sport bike, and they are a very high risk proposition for any insurance company.
Nope.

I have a VFR, I'm with State Farm, younger than you, and I pay $220 every 6 months for full coverage with 500 deductibles on the comp. and collision. Basic liability only would be around $180 every 6 mos.

There is really NO WAY TO TELL without getting a quote from a company.
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Old 07-03-2013, 08:29 AM   #5
Emperor Norton
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Quote:
Originally Posted by JerryH View Post
The VFR is going to be super expensive any way you look at it. It's a sport bike, and they are a very high risk proposition for any insurance company. I had a 1500 Goldwing insured with Dairyland/Sentry for about $65 a year (minimum liability only) and a Kawasaki EX500 Ninja insured with the same company. It cost more than twice as much. Why? Because it looks like a sportbike and has the Ninja name. it is in a high risk group. Around here, about 90% of all sport bikes get crashed in the first 5 years. I got that from an insurance agent. Full coverage on a 1000cc sport bike would cost me about $1500 a year, and I'm 54 with a perfect record.
Depends on the company, I paid less for a Ducati 1198SP with Statefarm than Geico wanted for my F650GS.
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Old 07-03-2013, 09:38 AM   #6
Grainbelt
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My FZ6 is cheap to insure (599cc, State Farm).

Get some quotes, from a few different companies.
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Old 07-03-2013, 11:43 AM   #7
Drummer
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I was with Allstate but switched to Progressive. Their yearly bill is much less than Allstate and I increased some of my total liabilities while keeping my deductibles the same. I have no idea what they will be like when it comes to an accident, but so far, I'm happy.
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Old 07-03-2013, 12:19 PM   #8
Randy
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Quote:
Originally Posted by Drummer View Post
I was with Allstate but switched to Progressive. Their yearly bill is much less than Allstate and I increased some of my total liabilities while keeping my deductibles the same. I have no idea what they will be like when it comes to an accident, but so far, I'm happy.
I recently switched my Sportster from State Farm to Progressive. I kept the same coverage and deductibles, added roadside assistance, and still cut my premiums in half. I haven't had a chance to compare quotes on my other bikes, vehicles, home owners, etc. but plan to soon. I've had State Farm on everything for about 35 years but even my agent admitted that Progressive had really good rates on bikes.
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Old 07-03-2013, 01:31 PM   #9
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I did a progressive online quote. $75 a year for a 2008 FZ6 for liability only.
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Old 07-03-2013, 01:40 PM   #10
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I'm 45 years old. I pay about $76/year for full coverage (liability, comprehensive, and collision) on my '96 VFR750. I've got a $1,000 collision deductible, and $100 comprehensive. I also have $3k "accessory" coverage (luggage, and personal safety gear).

This is one of four bikes on the policy. If it was the only bike, it would be a little over $100 per year.

Check your liability limits on those quotes. Sometimes lowering those to something reasonable (like $100k instead of $500k) can help a lot.
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