Question by Slow driver: what would the costs of Motorcycle Insurance for someone who is 18 yrs old and has a driving record?
i have only had my license since i was 16 years and 10 months old. im now 18. but i have a driving record of a non faulty accident and i am now getting a speeding charge of 94 in a 55 in a construction zone and a wreck-less endangerment charge. what would my insurance payments a year look like for me? for a 1999 Honda CBR600 F4?
Know better? Leave your own answer in the comments!
Why oh why…..do people ask “how much for insurance?”….”can I get financed?”….what will my interest rate be?”…etc, etc…….94 in a 55 zone, 18 y/o, 600cc SPORTBIKE….don’t be surpised when you hear $ 2000-4000/yr
How should WE know what YOUR insurance rate are/will be?????
go here and get a quote…..duhhhhh…….. http://www.geico.com/
http://www.progressive.com/
http://www.allstate.com/landingpages/affiliate-ola.aspx?quote=PQ&cid=BAC-NeoCJ&CJ_Affiliate_Program_Textlink_1-all_aff_text_logo=undefined&TFN=18666047400&Campaign=222230000010875
I have found that Progressive and http://markelinsuresfun.com/home have offered the cheapest insurance. They give you a good discount if you take a motorcycle safty course. I have never had a ticket and I was paying $ 190.00 a year.
with your record that you stated,………..open up your wallet , and say good – bye to a lot of money
speeding like that in a construction area, you’re lucky you didnt see the inside of a jail cell
This is just about the worst possible place to ask this question. About the best you can hope for here is a wild guess. You would be just as well off picking a random number out of a hat.
For one thing, there are too many variables involved for someone to even give a ballpark figure. Things like your age, gender, location, driving record, vehicle getting insured, local minimum requirements, coverage desired, deductibles, etc.
Get up and walk away from the computer.
Walk over to the telephone.
Near the telephone, most people keep a large book
Many times this book will have colored pages, usually yellow
Open the book to the colored pages section and look for the heading Insurance
Here you will find the telephone numbers to people in your area who actually sell insurance. Imagine that.
Pick up the telephone and dial one of these numbers.
A friendly person will answer. This person will be either an insurance agent or a person that works for them. Ask this person your question. This person may ask you a few questions to get some added details. Have the VIN number handy if possible.
In no time, you will have a quote on the price. HINT: A quote will be far more accurate than any wild guess that you might get here.
Write down some of the details on a piece of paper. Phone number, name of the person you spoke with, price, deductibles, coverage,etc.
Next, repeat the process using one of the other telephone numbers you found in the telephone book in the colored pages section under the heading insurance.
After you have spoken to at least a few insurance agents, you can start to compare prices, coverage, and deductibles. Then pick the insurance agent that has the best deal for you, call them back, and then strike a deal.
One last piece of advice. You are far better off going through a local insurance agent where you know them and they know you. Let’s say a few months after you get your insurance you get hit by an uninsured motorist. Who would you rather be working with? A local person that you know and knows you. Or hear “Press 1 for English”, pause “Your call is important to us. Please wait for the next available agent…” a very very long wait, then finally get someone from a far away call center that barely speaks English. Sometimes the cheapest insurance is not the best insurance. Think about it for a bit before you make your final decision.
One final hint: Motorcycle companies have been at this for a long time. They know which motorcycles are fast. They also know from experience that young riders on fast motorcycles are a high risk. They track demographics on both motorcycles and riders from their claims process. You essentially have a street legal racing bike and you are young.
To be honest, with your impending tickets it is highly doubtful you will find any insurance company that would be willing to write you a policy for this bike. You may want to forget riding motorcycles for the next 7 years or so.