Who do you go thru for insurance?

[Guesswho]

Hi all, new ryder here...hopefully my 2013 RS SE 5 will be delivered Tuesday! So i'm looking on how to get this insured...all the quotes I'm getting seem outrageous! 8-900$+ for a year! Who do you go thru and what do you pay if you don't mind me asking. Thanks!

[BLUEKNIGHT911]

I know it makes a difference where you live.....But ( in Vermont ) I have two Spyders 08 + 11 and just renewed full coverage 100/300/50...$1000 detuct collision , with towing and $3000 coverage on FARKELS....Total for..... " BOTH ".... for 1 year $395............That's with FORE-MOST.........Mike :thumbup:

[Pennyrick]

Hi all, new ryder here...hopefully my 2013 RS SE 5 will be delivered Tuesday! So i'm looking on how to get this insured...all the quotes I'm getting seem outrageous! 8-900$+ for a year! Who do you go thru and what do you pay if you don't mind me asking. Thanks!

Almost impossible to respond due to factors such as age, driving record, rating for your specific community, etc. Foremost seems to have great rates for Spyders because they actually seem to understand what they are. Many companies have no clue as to what a Spyder is and how to rate it.

Actually $800-900 seems like a great price.

[BLUEKNIGHT911]

Almost impossible to respond due to factors such as age, driving record, rating for your specific community, etc. Foremost seems to have great rates for Spyders because they actually seem to understand what they are. Many companies have no clue as to what a Spyder is and how to rate it.

Actually $800-900 seems like a great price.

YO DOUBLE TROUBLE read the post before yours ...........................Mike :thumbup:..............Maybe you want to revise yours

[Spyder ri]

I use Markel.
$400/yr for my 2012 SE.
They were the cheapest. I live in RI



2012 RS SE5
Mods:

Oxford Hot Grips
Bad Boy Air Horn
Two Brothers Exhaust
K&N air filter
LED mud flap lights
Tips Kit
Brake Light Modulator
IPS Key Cover
Up/out mirror Extensions
RSS stitched seat cover
Cal Sci touring windshield
5 spoke wheel upgrade
Ram mount Iphone cradle
LED turn signal indicators
Frunk Liner
BRP 12 Volt Outlet
Third brake light
Double Play tail light

[Topshotta]

I use Geico, I pay about 400plus a year. Keep in mind there are several factors that will affect your rate.

[5PYD3R]

I am 25yrs old going through progressive and pay $530/yr. Progressive (for me) was the cheapest by far after checking many options

[Bogeyjoe]

Nationwide 2013 RT-S $550 per year

[ABQAndy]

I use Geico, I pay about 400plus a year. Keep in mind there are several factors that will affect your rate.

Same for me, I switched from Foremost as I was paying almost $800 a year with them.

[stallion143]

Like others have said....A lot of things factor into your rate!

That being said, I purchased mine thru my local multi-line agent and they placed me with Grange, $252 per year. Full coverage w/ $500 deductible. Being older DOES have a few perks!!!:roflblack:

[boborgera]

I mentioned this a few times on other insurance posts, But it pays to mention it again;
There are a lot of Yahoos out there driving without insurance or minimal insurance.
Which ever insurance company you go with make sure you have UN-insured/Under-insured coverage,
And not just the minimum..

[Chupaca]

You know the variables but we use State Farms but we have the house and three cars so they give us a great rate... Good luck and above all welcome to both the roadster world and this site....:thumbup:

[Pennyrick]

YO DOUBLE TROUBLE read the post before yours ...........................Mike :thumbup:..............Maybe you want to revise yours


That post wasn't up when I posted. I thought $800 was a great price compared to our premiums but realized our cost is for two Spyders so our individual cost works out to about $380 per Spyder.

Sorry.

[BLUEKNIGHT911]

That post wasn't up when I posted. I thought $800 was a great price compared to our premiums but realized our cost is for two Spyders so our individual cost works out to about $380 per Spyder.

Sorry. Me too, I didn't see the time of your post ....we were probably typing at the same time.:roflblack:........and my cost is ...$ 197.50 per Spyder...PER YEAR :clap:

[ARtraveler]

As mentioned by others, rates will vary because of many factors. I use State Farm for my home, car, and both :ani29:'s. Each :spyder2: is about $55 per month for full coverage.

[KEBIE]

I'm in Alabama and have coverage with progressive and I'm paying just over $500 per year. But I also have a low deductible and probably more coverage than I really need.

[CyncySpyder]

Call our man & allow him to give you a quote ;) I think you'll be happy you did :ohyea:
I believe he lives in AZ but he covers many different motorcycle insurance companies nation wide :clap:
Marc Fisher
1(480) 778-2078

Back in 2010 when we got our first Spyder, we were suggested giving Marc a call from someone here on SpyderLovers, and like others have stated, we're all going to be a little different, but Marc was able to beat my best price by almost half. We've been with Marc for over 3 years now, and each year our price has gotten a little better and we're now paying a little over $400/year for Full Coverage in KY & I'm 42yo :thumbup: Hope this Helps ;)

[Bob Denman]

American Modern Home Insurance Company...
100/300/100 Liability
Passenger PIP
100/300 sUIM coverage
Comp and Collision with 500 Deductibles...
and $8,000 worth of accessories coverage... ($3,000 was standard...)
$399.00 for this year's renewal
And I've got an at-fault accident on my record...

2010 RT A&C
But none of this means anything until you start comparing rates with other folks who live out by you, have the same bike, are the same age and marital status, and have the same driving record..
Then there can be discounts for home ownership and renewals...

[wyliec]

I pay $18/month with State Farm in NYS. I'd have to look at my policy to see what all coverage I have. I know that with motorcycles with State Farm you have to have it for full years, not 6 months for example.

[fyrertuck]

Around $900.00 because I live in MA.

But I have to bring the brochure in for the ins- person because they could not bring the VIN # up so I have to show them a picutre of it. The brochure is in there file for records.

[bigflax925]

State Farm - less than $400/yr

[CapNCrunch]

Hi all, new ryder here...hopefully my 2013 RS SE 5 will be delivered Tuesday! So i'm looking on how to get this insured...all the quotes I'm getting seem outrageous! 8-900$+ for a year! Who do you go thru and what do you pay if you don't mind me asking. Thanks! First of all, welcome to the small group of Montana Spyder ryders. I'm in Stevensville, and have a Spyder buddy in Lolo, but that's about it for West Central Montana. Maybe one more (white) Spyder in this immediate area. I bought mine from JESCO Marine in Kalispell, and he bought his from Taylor Bros. in Great Falls. He and I are meeting up with a Spyder couple from Kalispell, and two more Spyder types from the Northern Idaho Panhandle this coming weekend, to ride Going To The Sun Road, in Glacier Park. I'm insured with Farmers and AAA Premier Road Service (they will provide a flatbed for a Spyder). Welcome, again, to the Spyder roads of Montana! CapNCrunch : =)

[ScarMace]

Welcome aboard..Im with geico and i pay 65 a month. plus i have 2 cars with them..that was the cheapest i found plus i live in brookly wich doesnt help.



2012 rss se5

[jwulf74]

Progressive with highish limits.... under $400 a year if I reall...with 2 main riders. No discounts...other than MC endorsement and safety course.

[Mrs Gruff]

USAA covers both the 2011 Harley Ultra Glide Limited and the 2012 Spyder Limited for $600 a year, but it is combined with our house and auto policy so we gets some sort of discounts.

[Daisyjoe]

I pay $45/mo for the 2010 RS and $48/mo for the 2013 RTS. I have State Farm. I also have my home and auto insured thru them.

[Magdave]

USAA covers both the 2011 Harley Ultra Glide Limited and the 2012 Spyder Limited for $600 a year, but it is combined with our house and auto policy so we gets some sort of discounts.

Usaa does not do motorcycle insurance they pass it off to Progressive.

[bamaspyder1]

$605 per year Foremost in Alabama...CONGRATS on the new :spyder2:

[Dan McNally]

$650 for GEICO. What they charge is determined by driving record, age, and where you live.

[Yfactor]

Have State Farm and pay just over $1000/yr for RT LE, RS and Harley. Have full coverage on all three with $250 deductible. This includes towing (rollback) and roadside assistance.

[SNOOPY]

I can't believe you all pay so little? I have my home, life, 5 cars and been w the same agent for 30 years and pay about $900 a year...that's saying that each person here is talking per year?

I just left an email w my agent that I thought the rate was really high from what I'm hearing and ill see how she responds back.:banghead:

[atitude2]

:doorag:
Progressive with highish limits.... under $400 a year if I reall...with 2 main riders. No discounts...other than MC endorsement and safety course.

I went through AARP which goes through Foremost and for 2 spyders with 500. deductible each runs about 750.00 per year.

[WV Spyder Ryder]

Dairyland Cycle Ins. $355 a year full coverage 100/300 can't remember the deductible. Wayne county WV. is a higher rated area.

[captblack]

Full coverage with Allstate (includes total replacement cost) - $215 / year. I also have my Vulcan 900 on the same policy which gives me over $500 in discounts.

[SNOOPY]

Full coverage with Allstate (includes total replacement cost) - $215 / year. I also have my Vulcan 900 on the same policy which gives me over $500 in discounts.


A year? I have a full policy w/ Allstate also and it's almost 4 times that and have a good driving record. :banghead:

[johnwinslow]

355.00, formost, 2011 rts, I live in maine so we are considered seasonal,

[Cleg]

As mentioned by others, rates will vary because of many factors. I use State Farm for my home, car, and both :ani29:'s. Each :spyder2: is about $55 per month for full coverage.

One of the many factors to consider is your credit history...amazing isn't it...pay your bills and the rates MAY go down. Have a lower credit score and you will pay more. I have fought them for years on car, home and bike...almost no way to win in this darn business:banghead:

[rock]

rider insurance...www.ridewithrider.com... 800-595-6393...we pay less than 300.00 a year for full coverage...they only insure motorcycles...you can get a quote on the phone

[captblack]

A year? I have a full policy w/ Allstate also and it's almost 4 times that and have a good driving record. :banghead:

Yes, just got my new policy today. I live in SE Georgia and it says I am a safe rider. Part of the discounts may be that they also insure my house, truck and trailers.

Whatever it is, I ain't arguing with them ...

[Ex-Rocket]

I had my Insurance with Dairyland but they went up when renewal time came around to right at $500 for a year. I shopped around and now have Geico and its now $329 a year. So you have to shop around for the best rates but you got to remember to get quoted apples for apples. Of course I guess it does help that I'm 63 and have a good credit score and a clean driving record.

[OWISE1]

I pay $777 a year for FULL coverage with GEICO. They also have a WINTER STORAGE plan in the policy. I store my bike in Oct and it automatically goes back to full coverage on April 1st :yes: While in storage you can ride the bike and be covered for service work :clap: . You can call and restart full coverage with Geico at any time.:2thumbs:

I was told the :spyder2: was a little higher than my 2011 HD Ultra Limited because of the repairs and :spyder2: accidents that the insurance companies have had to deal with. Also your driving record/tickets/accidents add $$.

Still Geico Ins has the best rates I have been able to find since 2004.

Good Luck

[SNOOPY]

All this baloney about where you live etc is just that, its your credit score. Want to prove it? Get a friend with a poor score (below 680) to get a quote all other things being equal. Further warning, if your credit score has taken a hit lately and you are thinking of adding the spyder to a multi item policy, dont do it, it will trigger a review of all your pilicies.


Ill have to ask my agent about this, my credit score has been over 800 for 20 years!

[rnet]

I have my insurance through Bob Denman and when Bob speaks, people listen.:roflblack: $152/year spyder and bike full coverage. Was paying in the mid $300, so half off. Switching my other ins. stuff as we speak. So if your in NY give him a shout.

[Bob Denman]

Thanks Ron... :opps:
I'm just trying to help out my friends...

[HedonismBot]

Get our via State Farm in Missouri. They have our two cars and home insurance. The Spyder cost us $40/mo for excellent coverage. I'm listed as the primary driver at age 36 with a flawless driving record and claim record. Geico and Progressive for me were almost double.

[Flanker]

Almost impossible to respond due to factors such as age, driving record, rating for your specific community, etc. Foremost seems to have great rates for Spyders because they actually seem to understand what they are. Many companies have no clue as to what a Spyder is and how to rate it.
Well said. The OP might wish to make some calls to local agents, and scope out insurance sites on the net. Good luck!

[Guesswho]

Thanks for the info guys! I'm thinking my rate is so high is cuz i have 0 yrs riding experience. when i put in 11 yrs just to see if that was it, it dropped over $400. is it worth lying on riding yrs to save $$?? hehehe...

[hchays]

I have GEICO for my insurance. I am 39, have a clean driving rocord and have a 2013 RS. I pay $285 per year for full coverage (great coverage) with $500 deductibles. I have unfortunily had to use them for a claim before and they were AWESOME!

[happyspyder2039]

Thanks for the info guys! I'm thinking my rate is so high is cuz i have 0 yrs riding experience. when i put in 11 yrs just to see if that was it, it dropped over $400. is it worth lying on riding yrs to save $$?? hehehe...I have State Farm & Pay $37 a month Full coverage 100/100 deductible

[Bob Denman]

Thanks for the info guys! I'm thinking my rate is so high is cuz i have 0 yrs riding experience. when i put in 11 yrs just to see if that was it, it dropped over $400. is it worth lying on riding yrs to save $$?? hehehe...
Have you had your motorcycle endorsement for 11 years?
A material misrepresentation on an application is considered grounds to cancel a policy...
...and might also be considered as fraud...

[Michael211_2000]

Interesting thread... my Spyder RS is with Progressive, $107/month for:

Full comp
Liability (Texas minimum)
$250 deductible
$3K PIP
Roadside assistance and towing
Uninsured/underinsured motorist.


I'm 43 with a perfectly clean driving record ~800 credit score (checked when I got half this Spyder RS financed at my bank last month), and 16 year home owner with a pickup truck insured thru Geico for over 13 years already. I don't have previous motorcycle experience however, but I am planning to take a Motorcycle (Spyder-friendly) Safety Course once temps cool down this Fall which should give me another 10% or so off on my Progressive policy.

Now Geico wanted $150/month for same policy with $500 deductible and absolutely no PIP, even though I'd had my pickup truck insured with Geico for over 13 years already... I was not pleased with their Spyder insurance quote, having been a good and loyal policy holder for so long! Oh well, my truck is still with Geico ($58/month full comp and liability and all) but the Spyder is with Progressive for now. Not saying I'm thrilled with Progressive's policy cost but I could not find anything significantly better with comparable coverage.

When comparing policy costs make sure you're really comparing apples-to-apples... do you get PIP coverage for instance? Geico wanted $350 more on a 6 month policy (~$58/month more) for $3K PIP on my Spyder for instance. Personal Injury Protection is a very good thing to have on your policy in case you are in an accident no matter who's at fault; I collided with another pickup truck in 2003 that had made an illegal left turn in front of me, I was not faulted nor ticketed and I did file for PIP with Geico at my attorney's suggestion since I had to do PT for a month for my neck! Roadside assistance and towing is great to have also and costs only a few dollars per month.

I'd kill to have the Spyder fully insured for about what I'm paying for my truck per month (what some of ya'll are posting you're paying for your Spyder coverage), I've no idea if ya'll have comparable coverage or not though. Nobody else who's posted has mentioned PIP for instance... :dontknow:

- Michael

[Bob Denman]

It's probably the zero experience that's driving your rate...
Time will cure that! :thumbup:
(But patience is so hard to find! :shocked:)

[Michael211_2000]

That doesn't make my pocket-book feel any better friend... :(

And I'm doing pretty darned good on the Spyder so far I think.... I've successfully avoided 2 major accidents (both would have been the other driver's fault!) in the 5 weeks I've owned it so far, over some 600+ miles of driving the Spyder. Pity the insurance company has no idea how careful and defensive I'm being when driving this machine. :banghead:

- Michael

[Red RT-S]

I insure with Dairyland. For my Spyder RT-S and my V-Strom 650 the annual premium is $472 for 100/300 liability, collision and comprehensive with $250 deductible. This is in Vermont and I am 69 years old with a clean driving record. Well, almost. One speeding ticket in over 50 years of driving.

[Dan_Ashley]

I live in the state with the largest number of vehicles of any state, and in a suburb of Los Angeles. So, I expect to pay a lot. But I guess I was wrong. I am with GEICO, and I have the max coverage for everything they offer. My Spyder insurance is about the same as my Prius insurance. I have been riding for about 20 years, I completed a training class, and I have a 2-wheeler MC endorsement. My credit was 819 when I bought the Spyder. And I've been a homeowner for over 30 years. My Spyder is 2012 RTS purchased new in May, 2013. I have not had an accident or ticket for about 21 years. I am paying $650 a year. That works out to $54.18 a month, if I did the arithmetic right. This is the same as for my Prius and for my Ford Edge.

[Bob Denman]

Good deal" :thumbup:

[SNOOPY]

Interesting thread... my Spyder RS is with Progressive, $107/month for:

Full comp
Liability (Texas minimum)
$250 deductible
$3K PIP
Roadside assistance and towing
Uninsured/underinsured motorist.


I'm 43 with a perfectly clean driving record ~800 credit score (checked when I got half this Spyder RS financed at my bank last month), and 16 year home owner with a pickup truck insured thru Geico for over 13 years already. I don't have previous motorcycle experience however, but I am planning to take a Motorcycle (Spyder-friendly) Safety Course once temps cool down this Fall which should give me another 10% or so off on my Progressive policy.

Now Geico wanted $150/month for same policy with $500 deductible and absolutely no PIP, even though I'd had my pickup truck insured with Geico for over 13 years already... I was not pleased with their Spyder insurance quote, having been a good and loyal policy holder for so long! Oh well, my truck is still with Geico ($58/month full comp and liability and all) but the Spyder is with Progressive for now. Not saying I'm thrilled with Progressive's policy cost but I could not find anything significantly better with comparable coverage.

When comparing policy costs make sure you're really comparing apples-to-apples... do you get PIP coverage for instance? Geico wanted $350 more on a 6 month policy (~$58/month more) for $3K PIP on my Spyder for instance. Personal Injury Protection is a very good thing to have on your policy in case you are in an accident no matter who's at fault; I collided with another pickup truck in 2003 that had made an illegal left turn in front of me, I was not faulted nor ticketed and I did file for PIP with Geico at my attorney's suggestion since I had to do PT for a month for my neck! Roadside assistance and towing is great to have also and costs only a few dollars per month.

I'd kill to have the Spyder fully insured for about what I'm paying for my truck per month (what some of ya'll are posting you're paying for your Spyder coverage), I've no idea if ya'll have comparable coverage or not though. Nobody else who's posted has mentioned PIP for instance... :dontknow:

- Michael



This is my dilemma, great driving record, credit score over 820, but no experience? payment of $900 a year for insurance?????

[SNOOPY]

I insure with Dairyland. For my Spyder RT-S and my V-Strom 650 the annual premium is $472 for 100/300 liability, collision and comprehensive with $250 deductible. This is in Vermont and I am 69 years old with a clean driving record. Well, almost. One speeding ticket in over 50 years of driving.



Although I have not had a ticket in 6-7 years, I think I've had 20 speeding tickets before that....so I might be your opposite. :roflblack:

[Bob Denman]

No tickets for anything; ever! 41 years of driving... :thumbup:
But I've filled out more than my fair share of accidents reports over the years... :opps:

[Michael211_2000]

This is my dilemma, great driving record, credit score over 820, but no experience? payment of $900 a year for insurance?????

That's better than what I'm paying. I think mine is what... ~$650 or so for 6 months of insurance? $1284 for a full year! Eeek! I feel poor now, so poor. :helpsmilie:

The only way to get experience driving a Spyder is to DRIVE a Spyder and that requires you have insurance... it's the same catch-22 we all faced when we were teenagers just getting our driver's license. :banghead: The only difference is, we're adults now (ok maybe not at heart... but we have experience on the highway system already ok!), it's not like we don't know the rules of the road it's mainly a matter of getting used to a different type of machine on the road and this machine is alot more like a compact car that you ride on top of than a 2-wheeled motorcycle that tries to fall over everytime you come to a stoplight or stopsign, IMHO! Give us a BREAK!

- Michael

[SNOOPY]

No tickets for anything; ever! 41 years of driving... :thumbup:
But I've filled out more than my fair share of accidents reports over the years... :opps:



Never been in an accident....maybe that says something .... lol



.

[SNOOPY]

That's better than what I'm paying. I think mine is what... ~$650 or so for 6 months of insurance? $1284 for a full year! Eeek! I feel poor now, so poor. :helpsmilie:

The only way to get experience driving a Spyder is to DRIVE a Spyder and that requires you have insurance... it's the same catch-22 we all faced when we were teenagers just getting our driver's license. :banghead: The only difference is, we're adults now (ok maybe not at heart... but we have experience on the highway system already ok!), it's not like we don't know the rules of the road it's mainly a matter of getting used to a different type of machine on the road and this machine is alot more like a compact car that you ride on top of than a 2-wheeled motorcycle that tries to fall over everytime you come to a stoplight or stopsign, IMHO! Give us a BREAK!

- Michael



Yeah it just sucks.

I've been driving for almost 35 years.

I've driven race tracks like Charlotte, VIR and Daytona at over 165 mph....yet I can't drive a 3 wheeler ??? Ridiculous.

[Bob Denman]

According To the insurance companies; you don't know how to drive one until you've layed down a clean driving record with one...
And that's just the way it is.
They're not going to buy a "Pig in a poke" any more than you would... ;)

[Michael211_2000]

According To the insurance companies; you don't know how to drive one until you've layed down a clean driving record with one

Bob this ain't rocket-science. If you're an experienced driver of other vehicles on the public highway system already, then this Spyder isn't significantly different than say a mini-cooper (except if it rains you'll get soaking wet, but you won't melt). Again this ain't rocket-science, it's not even aero-space science... you're not going from driving a wheeled vehicle on the public highway system to say flying an airplane in the national air space. Hello!
Insurance companies are entirely for-profit and known to be really greedy. :gaah:

Regards.

- MIchael

[suenmikez]

:spyder2:
Bob this ain't rocket-science. If you're an experienced driver of other vehicles on the public highway system already, then this Spyder isn't significantly different than say a mini-cooper (except if it rains you'll get soaking wet, but you won't melt). Again this ain't rocket-science, it's not even aero-space science... you're not going from driving a wheeled vehicle on the public highway system to say flying an airplane in the national air space. Hello!
Insurance companies are entirely for-profit and known to be really greedy. :gaah:

Regards.

- MIchaelGuess we are under covered, only paying $150.00 per year with Foremost.... what are we missing?:banghead:

[Michael211_2000]

:spyder2:Guess we are under covered, only paying $150.00 per year with Foremost.... what are we missing?:banghead:

If you're getting full comp and PIP and state minimum liability for THAT per year, then I'm going to go hang myself! :shocked:

Check your policy details.

- Michael

[Bob Denman]

Bob this ain't rocket-science. If you're an experienced driver of other vehicles on the public highway system already, then this Spyder isn't significantly different than say a mini-cooper (except if it rains you'll get soaking wet, but you won't melt). Again this ain't rocket-science, it's not even aero-space science... you're not going from driving a wheeled vehicle on the public highway system to say flying an airplane in the national air space. Hello!
Insurance companies are entirely for-profit and known to be really greedy. :gaah:

Regards.

- MIchael
Okay... Now you're a little bit out of bounds,,,
Riding ANY motorcycle on the street is VASTLY different than driving ANY cage...
And I've got a MINI; you're in my house...
Nothing can take the place of experience...
I've got almost 40 years of bike experience, and 35 years of selling insurance...

[Michael211_2000]

Okay... Now you're a little bit out of bounds,,,
Riding ANY motorcycle on the street is VASTLY different than driving ANY cage...

Well, we'll just have to agree to disagree on this Bob. I stand by my posting and my opinion. This ain't rocket science, period... it's just another vehicle operating on the public highway system. If you're an adult who's been driving on the public highway system for years and years (or decades for that matter!) with a proven driving record, then you shouldn't be treated (by insurance companies) like a 16 year old teenager fresh out of a driver's ed course in high school, just because you are riding a new vehicle instead of riding IN a new vehicle.

Every vehicle has the basics: turn signals, brakes, steering, and a throttle... and the road itself hasn't changed 1 bit no matter what you drive it's the same road the same rules still apply you still stop and yield at stop signs you stop and hold for red stop lights etc. etc. etc. So what's significantly new and different then? Not a thing, IMHO. What, you might get wet if it rains?

If you fail to yield and pull out in front of an 80,000lbs 18-wheeler going 55mph for example, then you're dead whether you're driving a min-cooper or a Spyder or a 2-wheeled motorcycle. The rules for driving on the public highway system are there for a reason and eveybody no matter what they're driving or riding has to follow them. Once you know and are experienced in following the rules for the public highway system, then you know and are experienced in those rules and they still apply no matter what vehicle you drive on that system.

I've driven everything from Peterbilt "big" trucks (they were mine) to my 1 ton dually to my sports car to this new Spyder, they each operate essentially the same way and the road doesn't change based on my choice of wheels for the day.

Finally, a Spyder is not a motorcycle (as Can-Am insists, repeatedly... and I would agree it's not one but state's only have 2 or 3 categories of vehicle so they classify the Spyder as best they can figure out but it's a poor fit as a "motorcycle"). Nor is it a min-cooper. Nor is a mini-cooper a motorcylce or vice-versa. Every vehicle has it's differences, from the largest to the smallest. But they all have the basics, and they all operate on the same highway system with the same basic rules of that system.

ps. As I discovered yesterday when confronted with a dangerous situation that could easily have led to a severe collision with another vehicle, while I may be more protected by a "cage" vehicle in a collision than on a Spyder being on the Spyder I was able to completely AVOID a collision because it can stop so much faster than most "caged" vehicles. I have now twice (in a single decade) been in the aweful position of having another vehicle coming towards me suddenly without warning turn left directly in front of me... the previous time it happened I T-boned the other vehicle with my 1 ton dually truck making a big mess (but nobody was seriously injurred), but yesterday on the Spyder I avoided a collision under an otherwise identical situation (my reaction and response to said situation was exactly the same as before) BECAUSE the Spyder I was riding could. Had I been in my 1 ton dually yesterday there'd be 1 less little old white haired lady in this world and a huge mangled mess to clean up. So why am I paying over twice as much for Spyder insurance than my 1-ton dually's insurance? :dontknow:

Regards.

- Michael

[Bob Denman]

Enjoy your ride! :thumbup:

[Desert Spyder]

I'm with National General, formerly GMAC. Full coverage for $262 annual. No MC permit, no tickets, no accidents, not even a pull over in 30 years plus. Just lucky I guess.

[Michael211_2000]

I'm with National General, formerly GMAC. Full coverage for $262 annual. No MC permit, no tickets, no accidents, not even a pull over in 30 years plus. Just lucky I guess.


What does your full coverage with them include though? And the deductible is? These are the questions that matter just as much as what the premium cost is. You can have "full coverage" and yet have no PIP no uninsured/underinsured motorist as well as no roadside assistance and a huge deductible...

This is a fascinating thread, I doubt insurance companies would appreciate it however. LOL! :yes:

- Michael

[Dan McNally]

All this baloney about where you live etc is just that, its your credit score. Want to prove it? Get a friend with a poor score (below 680) to get a quote all other things being equal. Further warning, if your credit score has taken a hit lately and you are thinking of adding the spyder to a multi item policy, dont do it, it will trigger a review of all your pilicies.No one said it was purely where you live. That is one of several items that insurance companies use . . . where you live (because that determines where you ride); age; driving experience; credit score; previous accidents and moving traffic violations (if they know about them) . . . there are several things that drive your rate. If you don't think where you live has anything to do with it, spend some time in the military, and watch the rates bounce around with every move to a new station, even though the drivers and cars on the policy stay the same.


Well, we'll just have to agree to disagree on this Bob. I stand by my posting and my opinion. This ain't rocket science, period... it's just another vehicle operating on the public highway system. . . .
Every vehicle has the basics: turn signals, brakes, steering, and a throttle... and the road itself hasn't changed 1 bit no matter what you drive it's the same road the same rules still apply you still stop and yield at stop signs you stop and hold for red stop lights etc. etc. etc. So what's significantly new and different then? Not a thing, IMHO. What, you might get wet if it rains?

If you fail to yield and pull out in front of an 80,000lbs 18-wheeler going 55mph for example, then you're dead whether you're driving a min-cooper or a Spyder or a 2-wheeled motorcycle. . .
Regards.

- Michael

Huge difference . . . while you are dead in a mini-Cooper or a Spyder when you pull in front of an 18 wheeler, you are in a lot more danger of serious damage and astronomical hospital bills on a Spyder if t-boned by a Mini-Cooper than you are if you are in a cage . . . even another Mini-Cooper cage. Fender benders that drivers walk away from, when both are in cages, often result in the Spyder ryder being carted off in an ambulance when the same event happens between a cage and a Spyder. And the insurance companies take that into consideration.

[Michael211_2000]

If that's the case then 18-wheelers should have the lowest insurance rates of ANYBODY as they can run right over anything on the roadway except another 18-wheeler and he who has the most mass in an collision get's the least amount of injuries hands-down right? But they don't have low rates at all. Yes I know, they cause the most severe injuries to OTHER drivers no matter who was at fault when in an accident I know this but who *causes* the accident should determine who pays the most in insurance premiums that's just fair and common sense which I see very little of either these days.

Insurance companies are for-profit businesses, they're going to charge as much as they can get away with and will use any excuse legitimate or ficticious to charge higher rates irregardlles of whether you or I are good careful defensive drivers with history to prove it, or what vehicles we drive. It's a fact in my experience.

When I talked with a Geico agent last month about my Spyder's policy (actually when I was cancelling the higher Geico policy in favor of my current Progressive policy which I'd be more than happy to cancel as well if I can find a better rate for equal coverage), the agent told me that Geico is looking to switch to charging policy rates based on credit scores soon... his explanation was that people with lower credit scores are more likely to sue after an accident no matter who is at fault! Which sounds like pure hog-wash to me... seems more likely that there are A LOT more people with lower credit scores than higher credit scores so this would give Geico justification to raise rates on far more people increasing profits so the CEO and other execs can get even bigger bonuses, and that's all there is to it. But that's just my opinion of course.

I think insurance rates should be charged based on your driving history and your *education* level... people with college degrees and good clean driving records should get the lowest possible rates as we're less likely to cause an accident IMHO. Hey that's just as good a guess as charging people higher rates based on their credit scores after all (which mine is fairly high in fact, so either way it'd be a win-win for me but very unfair to oh so many others who have clean driving records).

Finally, given the number of Spyder's out there on the public highway system... just what is the probability of any accident or collision actually involving a Can-Am Spyder? I'd bet it's astronomically LOW! Spyder's make up an itsy-bity teeny-weenie percentage of the vehicles operating on the public highway system (the itsy-bitsy Spyder climbed up the water spout, down came the rain and washed the Spyder out... sorry my bad!). :spyder:

- Michael

[Bob Denman]

Over the road haulers pay a higher rate simply due to the fact that their exposure to chance of loss is so high...
Education really has little or no impact on driver safety; I'm an unfortunate example of that... :opps:
I'll agree with you that credit scores impact rates; I don't think that they should; but it's a fact of life... How quickly somebody either does, or doesn't pay what they owe seems rather distant from driving skills. :dontknow:
You're trying to break Spyders out of the motorcycle statistical analysis because we're a relative minority... That is a VERY slippery slope!!
Example:
The first Spyder on the road; what if it's operator causes an at-fault accident?
100% of Spyders on the road have now been in an accident; how would you charge for THAT?
Insurance companies use statistical analysis to try and determine what losses will come from the various types of risks that they are underwriting...
They'll try and MANAGE the risk by instituting guidelines for eligiblity:
Age
experience
driving record
garaging address
marital status
sex
credit rating
prior insurance record
and actually many other factors...
They can actually justify this to any agency that overlooks them: they do it to protect their pricing structure!
End of the lesson... off my soapbox...

[Michael211_2000]

Fender benders that drivers walk away from, when both are in cages, often result in the Spyder ryder being carted off in an ambulance when the same event happens between a cage and a Spyder. And the insurance companies take that into consideration.

It's still just another vehicle though, this has nothing to do with the ability to safely operate a Spyder nor the probability of a Spyder being in an accident of any magnitude. 18-wheeler drivers can walk away from virtually ANY accident no matter how mangled or dead the other vehicle's occupants may be. So by this logic, we should all be driving 18 wheelers since those drivers are so well protected from harm, and it should be illegal to operate any lesser vehicle on public roads. :clap:

There is no legitimate justification for charging 1 Spyder owner/operator a significantly higher rate for the same coverage as another Spyder owner/operator, with both owners having similar years of experience on the public highway system (and NOBODY at all has more than a mere handful of years on a Spyder) and a clean safe driving record. The probability of either Spyder owner/operator becoming involved in a collision with another vehicle (or a single vehicle Spyder accident) is essentially the same, very very close to 0.0% I suspect. Therefore the insurance companies must simply be looking for ways to charge higher rates to boost revenue and profits (such as basing rates on your credit score, which has absolutely no correlation to a person's statistical probability of being in or causing an accident). Which goes full circle back to my previous opinion, insurance companies are greedy and will charge as much as they can based on whatever criteria they can get the highest rates on for the most people. :banghead:

fyi: What I post is just my opinion and based soley on my experiences and observations, I have no problems agreeing to disagree and consider this and any converation I engage in to be just that... neuron stimulating possibly educating always entertaining converations between otherwise like-minded intelligent adults. No disrespect is ever intended nor implied I promise (Bob)! I want to be friends with everybody and anybody and there is no need to agree on anything except our enjoyment of being a Spyder owner and rider!

- Michael

[BikerDoc]

I know it makes a difference where you live.....But ( in Vermont ) I have two Spyders 08 + 11 and just renewed full coverage 100/300/50...$1000 detuct collision , with towing and $3000 coverage on FARKELS....Total for..... " BOTH ".... for 1 year $395............That's with FORE-MOST.........Mike :thumbup:
I see no uninsured and underinsured motorist here which means you lack one of the most important of all coverages for your personal protection against idiots (of whom there are many - most on their cell phones)this is the most expensive portion of the coverage because it is the most frequently needed and the least frequently sold.....

[Bob Denman]

"UM & UIM" coverages can be brought into play on motorycle polices more often than you think... (Or fear!). Here in New York; if you are injured in an accident by a hit and run driver, the assumption is that they had no insurance...
So this coverage can be rather important when you realize that you're more likely to get bit by this scenario, than if you were in a "cage" and in the same type of accident. :shocked:

[boborgera]

I see no uninsured and underinsured motorist here which means you lack one of the most important of all coverages for your personal protection against idiots (of whom there are many - most on their cell phones)this is the most expensive portion of the coverage because it is the most frequently needed and the least frequently sold....
.

I have a 11 T/G And a 13 Sportster 1200, insured with Foremost, On a total bill of 553$ my un and under insurance for 100,OOO/300,000
for 12 months is 83$........So without it the total would be; 470$, ......

[Desert Spyder]

What does your full coverage with them include though? And the deductible is? These are the questions that matter just as much as what the premium cost is. You can have "full coverage" and yet have no PIP no uninsured/underinsured motorist as well as no roadside assistance and a huge deductible...

This is a fascinating thread, I doubt insurance companies would appreciate it however. LOL! :yes:

- Michael

Well now I have egg on my face. When I originally responded to the thread it was $262, UNTIL, they found out how many miles I put on the bike last year. They needed my odometer reading so coverage went from 2000 mi to 12000 mi annually. Now I must pay double. Guess I'm going to keep the wife working until I can't play anymore.;)

[Deanna777]

I have Geico insurance and i pay $718.00 Twelve month premium. Full coverage + Towing & Labor Costs.

Uninsured & Underinsured Motorists $100,000/$300,000................................. $116.00.

Discounts that I have are: Msf Course, Renewal, Anti-Theft Device. I also have 2 other vechicles with Geico. Also, I live in Vermont. Also, I have " The Winter Storage Plan" in my policy. I store my :spyder2: from Oct. 1 to April 1 and it automatically goes back to full coverage on April 1. I do not have to call Geico. Also, when i talk to an agent they say i have the best Coverage that i can get. Deanna777

[BLUEKNIGHT911]

I see no uninsured and underinsured motorist here which means you lack one of the most important of all coverages for your personal protection against idiots (of whom there are many - most on their cell phones)this is the most expensive portion of the coverage because it is the most frequently needed and the least frequently sold.....

Doc, I actually have both of those + some others not mentioned. I find that to much info overloads and then the entire message gets lost.....So I only mentioned the BIG things.....Mike:thumbup:

[5ft2lilred]

I know it makes a difference where you live.....But ( in Vermont ) I have two Spyders 08 + 11 and just renewed full coverage 100/300/50...$1000 detuct collision , with towing and $3000 coverage on FARKELS....Total for..... " BOTH ".... for 1 year $395............That's with FORE-MOST.........Mike :thumbup:

Husband has a 2012 RT LTD and mine is a 2010 RT LTD. He is a Veteran, so we now have USAA for under $600/year, full coverage. But prior to switching to them, we had Foremost and it was also under $600. (we live in Oregon)

[Magdave]

Husband has a 2012 RT LTD and mine is a 2010 RT LTD. He is a Veteran, so we now have USAA for under $600/year, full coverage. But prior to switching to them, we had Foremost and it was also under $600. (we live in Oregon)

Usaa told me the do not do motorcycle insurance and passed me off to Progressive as their sub contractor

[CurtG]

Linda and I are new rider just coming up on a year mine is a 2012 RT-S her's is a 2013 Ural Tourist. Our renewal for the 2nd year with GEICO dropped by a little over 30 a month and totals just a hair over 900 annual living in SW Ohio.

Ride and ride safe,

[Magdave]

Linda and I are new rider just coming up on a year mine is a 2012 RT-S her's is a 2013 Ural Tourist. Our renewal for the 2nd year with GEICO dropped by a little over 30 a month and totals just a hair over 900 annual living in SW Ohio.

Ride and ride safe,
Progressive does the same thing if you get no tickets in the first year it goes down the second one. I am paying $750 for my first year I wonder how much it will be next year,.... if I be good.:thumbup:

[Cuffs19]

Husband has a 2012 RT LTD and mine is a 2010 RT LTD. He is a Veteran, so we now have USAA for under $600/year, full coverage. But prior to switching to them, we had Foremost and it was also under $600. (we live in Oregon)

I'm a USAA member also. They sent me to Progressive for my bike insurance....

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[Deanna777]

I pay $777 a year for FULL coverage with GEICO. They also have a WINTER STORAGE plan in the policy. I store my bike in Oct and it automatically goes back to full coverage on April 1st :yes: While in storage you can ride the bike and be covered for service work :clap: . You can call and restart full coverage with Geico at any time.:2thumbs:

I was told the :spyder2: was a little higher than my 2011 HD Ultra Limited because of the repairs and :spyder2: accidents that the insurance companies have had to deal with. Also your driving record/tickets/accidents add $$.

Still Geico Ins has the best rates I have been able to find since 2004.
Good Luck I pay $718.00 a year with Geico, full coverage and Towing + Labor Cost. I also have The " Winter Storage Plan" in my Policy. I store my :spyder2: from Oct. 1 to April 1 and it automatically gose back to Full Coverage on April 1. Also, I have an Excellent Driving Record. ( No Accidents) Also, I have 2 other Vechiles with Geico. I have msf Class, Anti-theft, Multi Discounts. Deanna777

[smorelock]

Formost insurance 360.00 a year full
Coverage .You should check with them

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