Insurance premium - Victory Forums - Victory Motorcycle Forum
 
LinkBack Thread Tools Search this Thread Display Modes
post #1 of 9 (permalink) Old 06-03-2013, 03:33 PM Thread Starter
Member
 
Join Date: Jun 2012
Location: Cloverdale Ca.
Posts: 55
Default Insurance premium

My insurance came due, so I got a few other estimates. I'm switching to AARP Foremost. They came in at $275.00 / year which is $61.00 less than my current carrier, and it includes roadside assistance coverage, , that will take the bike to the nearest authorized repair facility.
For a Victory in Northern Calif., that could easily be a 100+ mile tow.
Now, what to spend my ill gotten gains on.
Let me think, could it be....?

Cloverdale, Calif.

V92TC
(The fast blue one)
Bugkiller is offline  
Sponsored Links
Advertisement
 
post #2 of 9 (permalink) Old 06-03-2013, 10:47 PM
Senior Member
 
Oldman47's Avatar
 
Join Date: Mar 2013
Location: Central Illinois
Posts: 1,414
Default

Bugkiller. I always check prices when I renew my insurance. Right now I have coverage through Geico and it is exorbitant at best. I just recently changed brands from HD to Victory and from a 2 year old bike to a new one but my bet is that at renewal time I will have a new provider. The up-charge for a new bike vs 2 years old was well over $100. To me that sounds wrong, but we must always insure the new bike before riding it home, just in case, so I did. At renewal time, things are different, I have plenty of time to look around and I do.

Present ride - 2013 Victory Vision, black, ATW at +3, Lloydz air filter and adjustable intake, PC5, 30,xxx miles
Oldman47 is offline  
post #3 of 9 (permalink) Old 06-03-2013, 10:52 PM
Senior Member
 
Join Date: Mar 2011
Location: Buckeye, Az.
Posts: 1,425
Default

I got the Foremost also. Seemed to be better coverage for a little more than Geico. The bike was new when I got it also.
Speedblue is offline  
Sponsored Links
Advertisement
 
post #4 of 9 (permalink) Old 06-04-2013, 05:45 AM
Senior Member
 
TNXR's Avatar
 
Join Date: Sep 2012
Location: East Tennessee
Posts: 2,298
Default

I've use Progressive because they are he cheapest I could find on my previous bike and my current XR. What I couldn't believe was how much more it was going to cost to insure my Vic. I paid $130 a year full coverage on my 2006 Suzuki M50. My 2011 XR costs me $350, almost 3 times what the suzuki cost me! Insurance premiums vary by your age, location, driving history, type of vehicle, etc but 3 times higher is crazy for a bike that is not all that powerful for its engine size and not worth all that much either.

2011 Cross Roads Sunset Red
OEM short windshield, passenger backrest, crash bars, saddle bag bars, heated grips, vinyl closeouts, tachometer, ambient temp, LED headlight, luggage rack. WD lay down licence plate.
TNXR is offline  
post #5 of 9 (permalink) Old 06-04-2013, 05:51 AM
Senior Member
 
NJ8BALL's Avatar
 
Join Date: Aug 2011
Location: NJ
Posts: 931
Garage
Default

I had allstate around 600 for my pin, dumped them and went with rider around 300 for the year

Sent from Motorcycle.com Free App

'09 Kingpin 8-Ball...Sanded chrome exhaust, Stage 1 slipons, VFCIII, Lloyds IAV, Stonny's 27" sissybar, Edge bags with ghost brackets,Kuryakyn black ISO grips,

http://www.bluebeardimagery.com/
http://blue-beard-imagery.artistwebsites.com/
Photo equip: Canon 60D, Canon 55-250is, Canon 18-55, Canon 70-200f4,Tamron SP10-24
NJ8BALL is offline  
post #6 of 9 (permalink) Old 06-04-2013, 06:28 AM
Senior Member
 
Azdave's Avatar
 
Join Date: May 2012
Location: Scottsdale
Posts: 1,331
Default

When I see the premiums vary it is usually because of coverage. I would never carry less than 100/300 on liability and under/ no insurance coverage. Need to protect yourself as well as the other person. Med payments vary but I like 5,000

Blame it on me
2014 HD Street Glide
2013 Vision Sunset Red
2006 Jackpot sold
2006 Vrod Screaming Eagle (sold)
1972 Kawasaki 1000
Azdave is offline  
post #7 of 9 (permalink) Old 06-04-2013, 06:58 AM
Lifetime Premium
 
saddlebag's Avatar
 
Join Date: Jun 2011
Location: Dayton, Ohio
Posts: 5,632
Default

Quote:
Originally Posted by TNXR View Post
I've use Progressive because they are he cheapest I could find on my previous bike and my current XR. What I couldn't believe was how much more it was going to cost to insure my Vic. I paid $130 a year full coverage on my 2006 Suzuki M50. My 2011 XR costs me $350, almost 3 times what the suzuki cost me! Insurance premiums vary by your age, location, driving history, type of vehicle, etc but 3 times higher is crazy for a bike that is not all that powerful for its engine size and not worth all that much either.
Outright power has little to do with it. How often and how much they have to pay to fix/replace them is more relevant. From what I hear Harleys are the most expensive to insure. They ain't fast, but they get stolen a lot and them fancy paint jobs don't come cheap...




https://www.victoryforums.com/signaturepics/sigpic6903_1.gif
2011 Cross Roads
saddlebag is offline  
post #8 of 9 (permalink) Old 06-04-2013, 03:42 PM
Senior Member
 
TNXR's Avatar
 
Join Date: Sep 2012
Location: East Tennessee
Posts: 2,298
Default

Could be but we all know Vics paint is not the best in the world and I don't think the X bikes have been around long enough for the insurance companies to have any real theft data on them plus I doubt that many get stolen but I could be wrong. I don't know where they get their rates from but I pay it each year, fuss about it then go riding.

2011 Cross Roads Sunset Red
OEM short windshield, passenger backrest, crash bars, saddle bag bars, heated grips, vinyl closeouts, tachometer, ambient temp, LED headlight, luggage rack. WD lay down licence plate.
TNXR is offline  
post #9 of 9 (permalink) Old 06-04-2013, 04:15 PM
Senior Member
 
Oldman47's Avatar
 
Join Date: Mar 2013
Location: Central Illinois
Posts: 1,414
Default

SB, when I switched from my HD to a Victory Vision, I had to pay over $100 for the change for the remaining 7 months on my policy. HD is not the most expensive but they are way up there like Victory is. So far it looks like my Vision is at the top of the insurance cost pile. When I owned a 1300 cc 4 cylinder Yamaha and a HD Road Glide Ultra at the same time, my total insurance cost was about the same as it is now with just the Vision. One bike vs 2 strikes me as a statement that the Vision is expected to cost them an awful lot on average.

Present ride - 2013 Victory Vision, black, ATW at +3, Lloydz air filter and adjustable intake, PC5, 30,xxx miles
Oldman47 is offline  
Sponsored Links
Advertisement
 
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the Victory Forums - Victory Motorcycle Forum forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in










Thread Tools Search this Thread
Show Printable Version Show Printable Version
Email this Page Email this Page
Search this Thread:

Advanced Search
Display Modes
Linear Mode Linear Mode



Posting Rules  
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome