XR650L + State Farm Ins. Madness *Help*

Discussion in 'Thumpers' started by Singletracker77, May 21, 2013.

  1. Singletracker77

    Singletracker77 n00b

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    May 21, 2013
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    So can I pass your agent's contact info to my agent? Can you PM me?
    #21
  2. jwdub

    jwdub Been here awhile

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    Trainman,

    I believe you'll find that the 6 month policy is a Texas rule (perhaps in some other states too). I have policies with SF in Idaho and Washington and they're all 1 year policies as are the bikes insured with Foremost in Washington.
    #22
  3. Skibikejunkie

    Skibikejunkie Adventurer

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    I have two bikes insured with state farm, a KLR 650 and a Husqvarna TC250 that I plated. I pay about $400/year for both bikes, and I'm 39.

    The TC250 is a motocross bike that I added lights to to get it past safety inspection and plated. SF insured it as a TE250, which is the enduro version of the same bike.

    I would think if they can insure a bike that was never intended to go on the road for less than $20/month, they can cover your XR for less than $40.
    #23
  4. TanasiRob

    TanasiRob Squid Emeritus

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    I would definitely take that advice.
    #24
  5. bomber60015

    bomber60015 Anatomically Correct

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    comparing rates across state lines and companies and ages is less than useful -- things alter dramatically from one geography tpo another . . . .

    My Dad gavce me two pieces of insurance advice . . . . .

    1 if at all possible, have everything with one company (it gives you discounts and leverage).

    2 ever 5 years, max, shop around . . . if you are happy with the performance of your existing carrier, give em a chance to match the best price you can get.

    These have served me in well.
    #25
  6. jules083

    jules083 Long timer

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    Why? Going from liability to full coverage plus towing and labor added about $15 per year on my xrr.

    Sent from my SAMSUNG-SGH-I747 using Tapatalk 2
    #26
  7. Grreatdog

    Grreatdog Flamed out

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    I have theft on my MXC through Progressive because it was free. But SF wants to ding me for $200 more per year for adding theft to my 640 because I have to get full comp/collision when liability only was $75. So I will see what Flo says about liability only with theft like my MXC has.

    But my point was that I will never have a dual sport towed and I will never make a comp/collision claim. I simply cannot imagine any scenario for making a comp or collision claim. Theft is the only coverage I am interested in. Therefore to me it isn't worth paying even $1 more for full coverage.

    Every time I have wadded a bike I repaired it myself. I can't imagine calling my SF agent and saying I endo'ed a jump or hit a tree and need an adjuster. For one thing his office woman rides and would laugh at me.
    #27
  8. jules083

    jules083 Long timer

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    So if you hit a deer and went sliding down the road at 65+mph, totaling the bike in the process, you wouldn't make an insurance claim?

    I'm not calling insurance for stuff like bent handlebars and scratches. But if manage to total the bike I'll call them for sure.

    Sent from my SAMSUNG-SGH-I747 using Tapatalk 2
    #28
  9. bill pierce

    bill pierce I don't wana pickle

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    My Allstate agent insured my plated XR650R, full coverage for $110 a year. The statement actually lists "XR650R the vin and plate number".

    edit.. if I hit a deer (again) i will darn sure file a claim. That's why I insure it.
    #29
  10. ADVCoop

    ADVCoop Been here awhile

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    Sorry forgot about this thread. PM sent.
    #30
  11. Grreatdog

    Grreatdog Flamed out

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    Exactly. Actually I can't make a claim because I don't have coverage for that. I would just fix what broke.

    In fact I once did just what you said except it was an owl that took me out. The bike was surely damaged beyond its value. I even had full coverage back then since I had a loan. But I didn't want my bike totaled. So I put it back together just like any other crash. Then I blew through a berm and hit a tree a few weeks later destroying what I had just repaired and did it again.

    Then my next bike was stolen. It did have theft coverage. With the theft claim I took a check for the total loss value, signed a waiver with SF then kept the recovered and thoroughly trashed bike. I used the money to rebuild it better than it had been and rode that one for years afterward. Just the way it is with dirt bikes. I don't want the bike gone, I want it repaired.

    But I do my own work and tend to keep my bikes for along time. Maybe I am weird, but I would rather have the smoking remains of my bike and a project than a check.
    #31
  12. Thumper74

    Thumper74 Adventurer

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    You're getting hosed. My Buell XB12S, at 29 years old was $17.00 a month... My new DR650 is around $20.00 a month, but I'm divorced as of 3/4/2012.
    #32