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insuring a new Spyder

S

Spydrgrl

New member
I am about to purchase a 2013 St Limited. I am 55 with a great driving record and we have our house and vehicles insured by Liberty Mutual. I went there for a quote today and was surprised to hear it would cost me $785 yearly. When I balked at that they upped the collision to $1000 and that brought down the annual premium to $656. Is this just the going rate or is Liberty Mutual high? I've insured traditional motorcycles before and it was cheap. I am located in central NY state. Thanks! -Spydrgrl
 
Spydrgrl said:
I am about to purchase a 2013 St Limited. I am 55 with a great driving record and we have our house and vehicles insured by Liberty Mutual. I went there for a quote today and was surprised to hear it would cost me $785 yearly. When I balked at that they upped the collision to $1000 and that brought down the annual premium to $656. Is this just the going rate or is Liberty Mutual high? I've insured traditional motorcycles before and it was cheap. I am located in central NY state. Thanks! -Spydrgrl
Click to expand...


NEW YORK?????? GET A ROPE.

No Seriously, PM Bob Denman, he sells insurance in NY and he can at least let you know if that is reasonable.

Cruzr Joe
 
That's a pretty high premium... :shocked:
Where are you located?
I use American Modern home in my office, and my bike is just over $500 per year... with $500 deductibles...

Liberty Mutual and it's sister companies might sell bike insurance; they just aren't price compettitive!
I know; I'm with Safeco; their quote for my bike was almost $700 also...
PM me with your contact info...
 
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maliamd said:
Check with Geico or Progressive. Those rates seem high.
Click to expand...

+1 on Progressive.

Also, take a riding class, that will help potentially lower your premium. If you are really into trying to lower the rate, ask about a multi-vehicle rate. If your insurance company for the motorcycle is a standalone (if you switched to Progressive for just the Spyder), then consider getting another bike; seriously. It can be a really old bike that costs peanuts. I carry 4 bikes of which the Spyder is one. The older bikes are like $84/yr, there is a scooter in the mix too. That get s the Spyder below $300.

Jerry
 
Insurance

Spydrgrl said:
I am about to purchase a 2013 St Limited. I am 55 with a great driving record and we have our house and vehicles insured by Liberty Mutual. I went there for a quote today and was surprised to hear it would cost me $785 yearly. When I balked at that they upped the collision to $1000 and that brought down the annual premium to $656. Is this just the going rate or is Liberty Mutual high? I've insured traditional motorcycles before and it was cheap. I am located in central NY state. Thanks! -Spydrgrl
Click to expand...

check Nationwide.
 
Spydrgrl said:
I am about to purchase a 2013 St Limited. I am 55 with a great driving record and we have our house and vehicles insured by Liberty Mutual. I went there for a quote today and was surprised to hear it would cost me $785 yearly. When I balked at that they upped the collision to $1000 and that brought down the annual premium to $656. Is this just the going rate or is Liberty Mutual high? I've insured traditional motorcycles before and it was cheap. I am located in central NY state. Thanks! -Spydrgrl
Click to expand...

Compared to what I pay from State Farm in Alaska, your quotes are ball park. My 2010 RTS is $50 per month and my 2011 RTS is $54 per month. I carry full coverage, have a great driving record, and am high 60's in age. I am expecting that the 2014 RTS will probably jump about $10 per month--but don't have an official quote laid in yet. The Spyder RTS costs as much as a lot of peoples cars including my new 2014. My agent also covers my car (2014) and my home insurance. I like the fact that my agent knows who I am, I can call them when there are any problems, and that I have always had my claims covered in a timely and fair basis. I have been a State Farm customer since 1965 in every state that I have lived in.

You will find quotes all over the place--higher and lower. Bottom line for me is be happy with what you purchase. :thumbup:
 
cheap insurance

I have American Modern 1-800-543-2644 . Cost me around $300 yr. with a clean driving record in Lou. Ky. Turn some of my friends on to them and they switched over to them also. Give them a call
 
Bob Denman said:
That's a pretty high premium... :shocked:
Where are you located?
I use American Modern home in my office, and my bike is just over $500 per year... with $500 deductibles...

Liberty Mutual and it's sister companies might sell bike insurance; they just aren't price compettitive!
I know; I'm with Safeco; their quote for my bike was almost $700 also...
PM me with your contact info...
Click to expand...

I'm with State Farm with a $500 deductible for $18/month. It has to be insured in full year increments. I'm not far from Oswego, in case someone was thinking you were in a high rate area.

Welcome to spyderlovers.
 
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Spydrgrl said:
I am about to purchase a 2013 St Limited. I am 55 with a great driving record and we have our house and vehicles insured by Liberty Mutual. I went there for a quote today and was surprised to hear it would cost me $785 yearly. When I balked at that they upped the collision to $1000 and that brought down the annual premium to $656. Is this just the going rate or is Liberty Mutual high? I've insured traditional motorcycles before and it was cheap. I am located in central NY state. Thanks! -Spydrgrl
Click to expand...
I live in Fulton NY I have mine with State Farm & is a lot less than that. I do have my truck & UTV with them also so that probably keeps my cost down. also have my sled Ins. with them.

Is Liberty Mutual the same co. that you have your car with?
 
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I live in the Atlanta area and I was quoted $390 today because the the agent didn't catch that ran out last week. I also get the GWRRA Trike safety class discount. I have a 2010 RT so it will be a bit cheaper.
The policy is with Foremost.
 
Insurance

Since your over 50 check with AARP. I have 4 Harleys and the RT Ltd insured with them for $1161 per year with $500 deductable. Good luck.
 
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