Question About Insurance

[ghost]

Last year I crashed my Kawi Zx10 and got a wreakless operation charge. I've had 6 months probation and had to take a driving improvment course. Being that this was my first and only ticket I've ever recieved my record was wiped cleaned. My question is....when I go in to put insurance on my new Spyder will I have to tell them about my accident and a charge that is no longer on my record?

I've asked a few people about this and get mixed answers. I figured maybe some of you guys might have had a similiar experience and can help me out. Thanksray:

 

[sleepman]

If your record is now clean I don't see any reason why you need to tell them about. Usually your tickets will show up for a few years, but I've never voluntarily told my insurance about any of my tickets and have never had an issue.

 

[ghost]

Thanks Sleepman.....thats what I was think but really wasn't sure

 

[vwatso]

Insurance prices

Insurance rates on spyders are high!

 

[ghost]

I did an online quote with Progressive and it was $1,200 per year with a $186 down payment......way cheaper than my Zx10!!!

 

[sleepman]

I got $393 a year through Geico, I checked others but they all were higher.

 

[vwatso]

research

Is that for full coverage on the $393.00 price?

 

[slather1]

insurance

Geico wanted $525 from me for the Spyder and I have 3 other bikes on the policy. Total $1582. They told me it is rated high performance.

 

[dbnc]

depends on state /// some states are cheap and others are WOW...

2 exact age drivers with exact drining records could me miles apart on rate depending on their state of residence

 

[Smylinacha]

Well I wouldn't say anything if they wiped my record clean:dontknow:
We have geico also - About $350 for my :spyder:

 

[ataDude]

depends on state /// some states are cheap and others are WOW...

2 exact age drivers with exact drining records could me miles apart on rate depending on their state of residence

Rates are different down to the zip code, age, credit rating, driving record, how you use it, limits, deductibles, and on....

.

 

[Bimjo]

I checked the other day when I was canceling the insurance on the Strom. The only question they asked me was "How many cc's?"

Full coverage with $250 deductibles for comp/collision, no medical- $378/year, which is about $100 a year more than I paid on the Strom (650).

Oh, State Farm BTW, with house, car & truck insured as well as the bike.

 

[zzneonzz]

I know in Memphis for my SPyder the Cheapest I foudn was 1400 a year. Geico wanted 2300 progressive wanted 2600

 

[sleepman]

Is that for full coverage on the $393.00 price?

Full coverage, I have my V-strom on the same policy and it's only $157 a year for full coverage. I get an experienced rider discount, had my motorcycle endorsement since I turned 16, and my wife gets the MSF discount.

 

[TonyMac]

I agree with the folks here. If you've gotten it out of your record, no need to volunteer anything.

Things that effect the cost of insurance, location, age, driving record, deductible, level of coverage, options, etc.

With respect to insurance. San Antonio, Male, 48 years old, 35+ years experience, MSF course 10 years ago (didn't help), state minimum liability, full coverage, no medical, $1,000 deductible.

Got the best quote from Marc Fischer who resold me a policy with Pacific (something). Came out to $514 per year. Around $109 to get it started and 10 payments of $44 per month with auto pay from your checking account.

That was better than Allstate (house and other cars was $1,500), Geico $542 and Progressive $612.

I guess Texas is an expensive state.

 

[PE2817]

I have full coverage with Progressive for $201 a year. That is will 1K deduct.

 

[Wheelz]

Anytime they issue a new policy, they are going to pull your DMV record anyhow. So if that's clean, no worries..:clap:

Also, AAA is $454/yr out here in California plus they offer motorcycle roadside service.

 

[Zerocool]

Insurance rates on spyders are high!

$384/yr, Progressive, in CT

 

[Roadkill]

$349 full coverage

$349 for full-coverage Progressive in NY. (My total $792 premium also includes the two Victorys).

47, own home, one wife, two kids, two dogs, etc...

I think it's a great deal.

Ride on.
Roadkill

 

[BAZMAN]

BIKELINE

TRY BIKELINE, I INSURED THE SPYDER FOR $292.00, AND THAT INCLUDED TOWING. $500.00 DEDUCTABLE, I DID NOT TAKE THE MEDICAL, BECAUSE I HAVE OTHER MEDICAL INS. THEY USUALLY ADVERTISE IN THE MOTORCYCLE MAGS.