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Jdemoxb9r
Posted on Thursday, July 10, 2008 - 06:34 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

Alright now im sure this thread has been beaten to death already but i was going to renew my insurance coverage and i was wondering if anybody has a good agency to go through...

I live in St Cloud, MN and i currently go through dairyland at 360 a yr for comprehensive(take in mind that im a 19 yr old male with 1 moving violation)
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Evlxb
Posted on Thursday, July 10, 2008 - 08:03 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

Progresive is the cheapest I have found - $291 for full coverage/$250 deductable/roadside assist - Michigan 35 years old and no violations
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Ratbuell
Posted on Thursday, July 10, 2008 - 08:07 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

HD insurance. 800-832-4449. Got all my bikes with them, they shop to six or seven different companies and because of the volume they bring those companies, it's cheaper than going direct in many cases.

They have me with Dairyland, and aside from a goofy policy of not putting more than three bikes on a policy (requiring a split into 2, two-bike policies), the rates rock. The one that has a full-coverage Uly and a classic-coverage S1W runs me 240 a year. The one with the S2 and the FLHP is even less, they're both classic.
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Hammeroid
Posted on Thursday, July 10, 2008 - 08:09 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

$360?! you should go and give your broker a great big kiss and a hug.
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Xl1200r
Posted on Thursday, July 10, 2008 - 10:20 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

$360?! you should go and give your broker a great big kiss and a hug.

That's what I'm thinking.

Up until a month ago I was paying OVER $1000/yr. When I turned 25 it went down to $350-ish.

At 19, insurance on a sportbike for less than $700/yr is pretty friggin' good.
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Deks69
Posted on Thursday, July 10, 2008 - 11:02 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

I have dairyland, and Live in Cloquet, MN and my premium is like 401 a year. I'm 30, but did have a dwi 3 years ago. I also think I have everything you can get for the coverage. So 360 is great. Wait It would have been around 360 if I took a riders course.
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Mesozoic
Posted on Friday, July 11, 2008 - 02:14 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

You guys have it pretty good in the US. With a discounts from being claim free, 10+ driving years experience, and pleasure use only I pay $1600/year to insure my Ss in BC... and that's cheap.
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Jakezor
Posted on Friday, July 11, 2008 - 10:01 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

I'm in St Paul MN and have State Farm. I pay around $650/yr for full coverage. XB9SX btw
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Mnbueller
Posted on Friday, July 11, 2008 - 10:09 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

I'm in Ramsey, MN Progressive, $360 or $390/yr, 26 year old, XB9SX.

I quoted Allstate @ $750/yr

I think around the 360-400/yr is the best your going to find.
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Ekass13
Posted on Friday, July 11, 2008 - 10:10 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

$350 a yr, drive insurance by progressive. full coverage. 25yr male. went down from 1000 over the last 3 yrs.
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1324
Posted on Friday, July 11, 2008 - 10:58 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

For progressive comprehensive (maxed out all coverages) but no collision, I pay $140/year for my XB9S. This is in Ithaca, NY for a 26 year old married male with no moving violations (on record anyway).
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Punkid8888
Posted on Friday, July 11, 2008 - 10:59 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

My last 8 years of riding I have paid about 600 to 700, (a few accidents and a few moving violations) It went to 350 this year (3 years with no incident) but I also switched insurance and moved to NH, now I am down to 240 a year, full coverage.
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05mxdiesel
Posted on Friday, July 11, 2008 - 11:03 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

I must be getting ripped then, I pay 655 for the Buell and 459 for my Drz400 for full coverage. That is also with multiple vehicle and homeowner discounts. I'm 27 and have a spotless record. I called around two years ago and everyone else was in the 3k range for both bikes.
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Timo31
Posted on Friday, July 11, 2008 - 11:53 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

I'm in MPLS and have State Farm. $267/year with $500 deduct. 34 and no violations. XB9SX.

(Message edited by timo31 on July 11, 2008)
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Prof_stack
Posted on Friday, July 11, 2008 - 12:22 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

Insurance rates vary by state, followed by a whole lot of variables that would confuse the brightest of mathematicians. Good luck.
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Mnbueller
Posted on Friday, July 11, 2008 - 12:37 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

My insurace guy said that Minnesota rates are cheaper than most states because they figure in the fact that we only have about 5-6 months out of the year we can ride....true or not, I don't know, but it does make sense.
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Jakezor
Posted on Friday, July 11, 2008 - 12:48 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

Ok I'm going to have to double check my premiums. Or am I the only one with collision and comprehensive?
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Speedkills
Posted on Friday, July 11, 2008 - 01:19 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

I pay around $600/yr for full coverage.
California
42 years old
XB9SX
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Whitexc
Posted on Friday, July 11, 2008 - 02:25 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

Western NY,28/male/married,clean slate
Drive(Progressive):
-$305/yr for full coverage, roadside assistance, $500 deductible, etc.
-State Farm(where my other five vehicles,homeowners,etc.) quoted me $560.
-It pays to shop around.
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Deks69
Posted on Friday, July 11, 2008 - 03:09 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

Ok I'm going to have to double check my premiums. Or am I the only one with collision and comprehensive?

I have both, and I have towing and funeral costs and medical stuff, all the bells and whistles. No deductable, or wait maybe 250 or 500. Can't remember off hand.}
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Nik
Posted on Friday, July 11, 2008 - 03:29 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

Single male, 21, clean record, in SoCal; $210/year with Drive; 4 bikes, with comprehensive, $250 deductable.
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Raptorj
Posted on Friday, July 11, 2008 - 04:20 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

As a single 23 years-old male in Mankato, MN with a rather lengthy and spotty driving record I pay $390 for 12 months with full coverage, $250 deductible on both comprehensive and collision through Progressive. I paid in full at time of purchase. A bit surprised I was after talking to a buddy with an 03 sportster 1200 and learning I pay almost the same price for insurance on my 04 xb12r!

(Message edited by raptorj on July 11, 2008)

(Message edited by raptorj on July 11, 2008)
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Lanretsr
Posted on Friday, July 11, 2008 - 04:55 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

I'm 24 and for the first time last fall got a ticket. With full coverage its $584 a year with progressive. Which is not bad considering my friends pay over a $1000 with bare min on their 636's
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Dynasport
Posted on Friday, July 11, 2008 - 05:01 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

Allstate was cheapest for me.
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Moosestang
Posted on Friday, July 11, 2008 - 05:24 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

Where you live makes a huge difference.
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1324
Posted on Saturday, July 12, 2008 - 08:34 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

^^^Yeah, it does. Also, your credit score plays a larger role that I once imagined. Couple those two things with your driving record, the type of bike (amount of plastic, engine size, number of the same bike in previous accidents) and you have a pretty complicated risk calculation.

For me though, Progressive has been the cheapest for the past two years.
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Jonzin
Posted on Saturday, July 12, 2008 - 11:19 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

$524/yr - full coverage with H.O.G., homeowner and MSF discounts through Dairyland.
I live in AZ have a clean record but have only
been riding a year...hoping it goes down again next year.
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Jakezor
Posted on Monday, July 14, 2008 - 12:01 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

I checked, $390 a year for my XB9SX, the rest was my other bike and renter's insurance.
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Xbueller12rocks
Posted on Tuesday, July 15, 2008 - 12:10 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

Live near South Bend, IN....Have my only policy with Progressive (auto, home through AAA which does not do motorcycles at least here) and I pay $188/yr for my 05 XB12R, with clean record and I'm married and 40 (don't laugh too loud you'll get there one day!!!)
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Bombardier
Posted on Tuesday, July 15, 2008 - 01:59 am:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

39 years old. Married. Own home.
Nominated as only rider. Solo seat rego.
$22,000 agreed value.
$785 per year.
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Jdemoxb9r
Posted on Tuesday, July 15, 2008 - 01:28 pm:   Edit Post Delete Post View Post/Check IP Print Post    Move Post (Custodian/Admin Only) Ban Poster IP (Custodian/Admin only)

thanks for the help guys...
i bet your all wondering what kind of rates i got????

well here are the big results!!!

im paying 250/yr through harley davidson ins. for comprehensive with 250/deductable

woohoo!!!
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