Motorcycle Insurance

[laksman91]

Is it possible to get insurance on a monthly basis? Also for a 250cc, how much of a range should I be expecting in terms of rates?

[Gizzmo_jr]

My insurance is monthly with Statefarm.

[froggy]

Is it possible to get insurance on a monthly basis? Also for a 250cc, how much of a range should I be expecting in terms of rates?

I'm not sure what you mean by a monthy basis? If you mean can you pay monthly I'm sure the answer is yes for most insurance companies but you usually have to pay a % admin fee to do it that way. If you mean can you just by motorcycle insurance on a month by month basis I don't think so. Most insurance companies that deal with bikes realize that you won't be riding your bike in January so thier rates are prorated for that. As for the actual rate for a 250cc it should be relatively low all other things being equal, like your driving record (bike,and car) , rider training, age. I have a 550 did rider training and have only 1 ticket that will be gone next year on my record and my insurance for the bike is $440 a year or something like that. It'll probably be under $400 next year once my ticket gets dismissed.

[crystal8484]

Is it possible to get insurance on a monthly basis? Also for a 250cc, how much of a range should I be expecting in terms of rates?

I *think* state farm may offer this for motorcycles. My two girlfriends with bikes have 600's and they pay roughly $120-$130 a month with them. I really don't think a 250 and a 600 will be that much in difference for price, if at all.

check www.gtamotorcycle.com, they've got a pretty good forum.

[froggy]

I *think* state farm may offer this for motorcycles. My two girlfriends with bikes have 600's and they pay roughly $120-$130 a month with them. I really don't think a 250 and a 600 will be that much in difference for price, if at all.

check www.gtamotorcycle.com, they've got a pretty good forum.

ouch that's expensive!

[SpeedBaby]

i think what he meant is if he could have insurance only for certain months i.e. for the summer season, while riding and then cancel it for the winter...

i'm not 100% sure about the motorcycle insurance, but in theory it should be possible as long as you keep fire/theft on the policy for the winter months, since technically you wouldn't be cancelling the policy mid-term, but just switching the coverage.

[crystal8484]

i think what he meant is if he could have insurance only for certain months i.e. for the summer season, while riding and then cancel it for the winter...

i'm not 100% sure about the motorcycle insurance, but in theory it should be possible as long as you keep fire/theft on the policy for the winter months, since technically you wouldn't be cancelling the policy mid-term, but just switching the coverage.

Taken directly from my girlfriend who rides:

"I pay monthly, and of course the peak seasons are more expensive, but they take the year`s payment and divide it by twelve so I pay the same amount every month. I can cancel my insurance any time, but I keep it on during the winter months in case of theft/fire....*KNOCK ON WOOD*"

And there you have it.

[laksman91]

i think what he meant is if he could have insurance only for certain months i.e. for the summer season, while riding and then cancel it for the winter...

i'm not 100% sure about the motorcycle insurance, but in theory it should be possible as long as you keep fire/theft on the policy for the winter months, since technically you wouldn't be cancelling the policy mid-term, but just switching the coverage.

Exactly what I was meant :)

[SpeedBaby]

Taken directly from my girlfriend who rides:

"I pay monthly, and of course the peak seasons are more expensive, but they take the year`s payment and divide it by twelve so I pay the same amount every month. I can cancel my insurance any time, but I keep it on during the winter months in case of theft/fire....*KNOCK ON WOOD*"

And there you have it.

thanks crystal! i think that pretty much answers everything

[Gizzmo_jr]

Some companies, like Statefarm, offer annual discounts if you keep the insurance throughout the entire year. That's mostly why I keep it year round.

[pacmann33]

not really, companies kind of got away from that. You might have to send the plates into insurance if you somehow get insurance for summer only. It usually is most cost effective to keep insurance year round on bikes.

I would skip the 250 personally, but do NOT buy a 600 supersport for a first bike. Get yourself a Suzuki SV650S. Worlds best bike EVARRR. I had one for 5 years. Also a fantastic platform for a race bike. Even an EX500 Kawasaki is a great starter bike.

[pacmann33]

I *think* state farm may offer this for motorcycles. My two girlfriends with bikes have 600's and they pay roughly $120-$130 a month with them. I really don't think a 250 and a 600 will be that much in difference for price, if at all.

check www.gtamotorcycle.com, they've got a pretty good forum.

It depends on the model of 600 also. some are very slow, others are very fast and blacklisted, others are slow AND blacklisted LOL. 250's will be much cheaper than most any 600.

[SilentJay]

http://www.suzuki-bikes.com/images/2004Hayabusa.jpg

Good first bike :chuckle

[jaimie08mazda3]

Usually with any insurance company you can get monthly rates on any vehicle you decide to insure. Talk to your own insurance company and ask them what kind of rates per month they will give you for the bike. It's like car insurance in which you should have the option of going either yearly, bi yearly, monthly or weekly.

[froggy]

http://www.suzuki-bikes.com/images/2004Hayabusa.jpg

Good first bike :chuckle

especially if you want it to be your Last bike too

[pacmann33]

Hayabusas and ZX-14 are stable, low missiles haha, probably the only second worst bike EVAR...right behind a modern 1000.

The newer 1000's LOOK for any excuse to sit you on your ass if you're lucky...but it's usually on your head. I have a habit of doing that on 600's at the racetrack though, so it depends a lot :headbang

[SilentJay]

http://hight3ch.com/wp-content/uploads/2006/08/tomahawk.jpg

Perhaps this deathtrap?

[pacmann33]

I'm at corporate headquarters in Chicago on business so I can't see the pic from this network LOL

Fill me in! What deathtrap is it?

[froggy]

I'm at corporate headquarters in Chicago on business so I can't see the pic from this network LOL

Fill me in! What deathtrap is it?

i don't think it's just you I can't see it either.

[jaimie08mazda3]

I was waiting on the death trap too!!

[SilentJay]

Bah! They disabled hot-linking. Updated with another source now.



Btw, i'm in Chicago for business too :D

[froggy]

http://hight3ch.com/wp-content/uploads/2006/08/tomahawk.jpg

Perhaps this deathtrap?

that's that stupid bike with the viper engine in it isn't it? I don't think that thing could even take a corner at more than 15 km/h

[SilentJay]

^^^^ Indeed, however i'd surmise it could rip your arms out of their sockets on a straight-line

[pacmann33]

The Dodge Tomahawk.

Kinda neat, I'd never want one, but a neat concept for sure!

SilentJay:
I'm in Buffalo grove unfortunately, nowhere near downtown Chicago. Hotel is in Glenview. I wish I was closer to downtown, no rental car either. I'm back here again in Dec, Jan and Feb. They keep me in the suburbs...everytime some of the guys go downtown, they always have a rough next day at the office LOL.

Defly gotta try some famous Lou Malnatti's pizza if you ever come to Chicago, for an authentic deep dish pizza experience! Silent Jay...you must try it if you haven't so far. I will pay you if you can eat more than 3 pieces. I can only eat 2.

[froggy]

^^^^ Indeed, however i'd surmise it could rip your arms out of their sockets on a straight-line

nah my grip on the handle bars would give out before my shoulders did :chuckle

[laksman91]

So any reason why to skip 250?

[froggy]

if you're carrying a passenger or if you're a bigger person you might feel a big slow down in acceleration. I've got a 550 and I notice when I have a passenger a big difference in acceleration. Gas mileage differences I think would be minimal from 250 to 500 or 600 +

[pacmann33]

You'll sell it in a few months. If you have any self control at all you'd be fine on a little quicker bike, and you can be happy with it for at least a couple years. I am big on starting on small bikes. The 250's are fun, but most will really want to trade up after one season. do you have any dirtbike experience at all?

Just my two cents. That is all. No biggie! A 250 is just as dangerous as many other motorcycles.

power is good for getting out of bad situations too, once you learn a few things.

[SpeedBaby]

also depends on how much you weight....honestly 600 is a good starter, or if you're really no sure if you can handle it - go with 500.

250 is just useless imo, might as well start with a vespa

[froggy]

also depends on how much you weight....honestly 600 is a good starter, or if you're really no sure if you can handle it - go with 500.

250 is just useless imo, might as well start with a vespa

Ouch that's almost like calling anyone riding less than a 600 a wuss. I agree that a vespa is an urbanite bike but in comparisson a 250 is a machine.

[pacmann33]

also depends on how much you weight....honestly 600 is a good starter, or if you're really no sure if you can handle it - go with 500.

250 is just useless imo, might as well start with a vespa


I disagree. some 600s barely make 50 hp, othrs make over 120 out of the box. depends on the person totally. Some are okay with a new 600 to start, but you won't learn very fast.

90% of sportbike riders don't have any skills to speak of, yet most think they are great at it.

I remember getting laughed at for "only" riding a 600. It's weird.

If you buy a new 250 and actually keep it and ride the hell out of it you will be an amazing rider. Most just sell it when they get bored of the acceleration, really everyone should have to ride a 250 for a couple seasons.

Less is more to a point. I want another SV650 for the road.

Ninja 250 would own any vespa.

[SpeedBaby]

i didnt mean it that way, but if you're getting a bike for the fun aspect, then a 250 isn't going to satisfy most ppl. again, that's imo.

[laksman91]

I was thinking about a Ninja 250R as an introductory bike. I mainly want a bike just to get to and from class fairly inexpensively and I thought the 250R would be cheap and hopefully cheap to insure as well.

I'm about 6' and 150lbs so I figure it wouldn't be to bad. But since you guys are recommending a 600, would it be significantly more expensive

[froggy]

I was thinking about a Ninja 250R as an introductory bike. I mainly want a bike just to get to and from class fairly inexpensively and I thought the 250R would be cheap and hopefully cheap to insure as well.

I'm about 6' and 150lbs so I figure it wouldn't be to bad. But since you guys are recommending a 600, would it be significantly more expensive

yes it would be more expensive from about $5000ish to closer to $10,000ish so almost double. as for insurance I'm not sure about now but they used to say any bike that had an "R" in its name was considered a higher rate.

[pacmann33]

it is not blacklisted. My friend pays 800$ a year for his new 2009 limited edition 250R. 250R is very cheap to insure.

It becomes very expensive if you drop the 250, then want to sell it cause you're bored.

buy a 250 to keep, or just buy bigger to start. My advice lol

[crystal8484]

It depends on the model of 600 also. some are very slow, others are very fast and blacklisted, others are slow AND blacklisted LOL. 250's will be much cheaper than most any 600.

They both ride gixxers. blacklisted? lol

[crystal8484]

power is good for getting out of bad situations too, once you learn a few things.

I've heard a few crazy stories already from friends... :chuckle

and to the OP - you'll ride a 250 and once you're comfy you'll defs want a faster bike. It's just nature :chuckle

[SilentJay]

:P Power = good

As a side note, your avatar is adorable crystal :chuckle