newbie - 1199 S - got insurance quote: 857$ per Month! - need your advice

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double0 said:
Credit history doesn't have .... to do with it. How do I know? Because no way I'd have 100/300/100 coverage for only $800 a year with my ...... 630 credit.
Click to expand...

Ah yes, credit history does unfortunately have something to do with it. It affects their companies view of your payment history and can or will affect your payments if you aren't paying up front. Also, and I had a HUGE argument with Progressive over the day I fired them for it, can also alter your rate due as they make assumptions based on national averages of drivers receiving tickets or getting into accidents. Major crap! When they were explaining that to me I went ballistic. In NO way does negative credit affect my abililty to properly drive or ride which is ALL insurance should be based upon. After all, why do you think they ask for your SS# for in the first place? It isn't for identification purpose's. That is in compliance with the law as far as I know. SOrry to rant. It's just a major sore subject for me!
 
duckman said:
In NO way does negative credit affect my abililty to properly drive or ride which is ALL insurance should be based upon.
Click to expand...

I know this is a sore spot for you duck but negative credit DOES affect your overall driving situation when it comes to insurance. It isnt the final word but with such a diverse and complex scenario this area has turned out to be, your credit is certainly a factor. It doesnt determine has well you can corner or how fast you can go in a straight line but it might tell me if you are likely to run from the police, fib on a claim, or if you might pay an out of town parking ticket. Insurance is a lot more than evaluating ones skills or state compliance; it's all about risk.
 
duckman said:
Ah yes, credit history does unfortunately have something to do with it. It affects their companies view of your payment history and can or will affect your payments if you aren't paying up front. Also, and I had a HUGE argument with Progressive over the day I fired them for it, can also alter your rate due as they make assumptions based on national averages of drivers receiving tickets or getting into accidents. Major crap! When they were explaining that to me I went ballistic. In NO way does negative credit affect my abililty to properly drive or ride which is ALL insurance should be based upon. After all, why do you think they ask for your SS# for in the first place? It isn't for identification purpose's. That is in compliance with the law as far as I know. SOrry to rant. It's just a major sore subject for me!
Click to expand...

Incorrect. I don't remember providing my SSN so unless AAA can look up credit history based on name and DL, credit history doesn't have anything to do with insurance rates. Like I said.....my credit score sucks and while I understand credit score and history are two different things, i still don't see how that factors into my already super cheap rates. Any lower n my insurance would practically be free. $65/mo with my limits and only $100 deductible is nothing.
 
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kensteele said:
I know this is a sore spot for you duck but negative credit DOES affect your overall driving situation when it comes to insurance. It isnt the final word but with such a diverse and complex scenario this area has turned out to be, your credit is certainly a factor. It doesnt determine has well you can corner or how fast you can go in a straight line but it might tell me if you are likely to run from the police, fib on a claim, or if you might pay an out of town parking ticket. Insurance is a lot more than evaluating ones skills or state compliance; it's all about risk.
Click to expand...

double0 said:
Incorrect. I don't remember providing my SSN so unless AAA can look up credit history based on name and DL, credit history doesn't have anything to do with insurance rates. Like I said.....my credit score sucks and while I understand credit score and history are two different things, i still don't see how that factors into my already super cheap rates. Any lower n my insurance would practically be free. $65/mo with my limits and only $100 deductible is nothing.
Click to expand...

Ladies... Ladies... You're both pretty.

It depends on the company and their policies to take credit score into account. Rider does not. Progressive does. Dairy Land will give you an option to have it taken into account. If you know its good you can have it work in your favor or opt for a different option (with not as attractive rates but it wont be used against you in the future either).
 
I have GEICO insurance and it cost me $65.00/ month for full coverage, try them. Just my $.02
 
the dealer found better quote , 227$ per month
still very high.

i'm trying to understand what cause the high rates
then i will try to "fix" it to lower the price
i'm waiting for my car insurance agent from State Farm , to give me a quote and explain me how it's work.


i have few questions:
what should be the tire pressure?

how i'm using the quick shifter?

thanks
 
pelo911 said:
the dealer found better quote , 227$ per month
still very high.

i'm trying to understand what cause the high rates
then i will try to "fix" it to lower the price
i'm waiting for my car insurance agent from State Farm , to give me a quote and explain me how it's work.


i have few questions:
what should be the tire pressure?

how i'm using the quick shifter?



thanks
Click to expand...

with your left foot.....sorry could not help myself. Just change up without using the clutch and no need to back off the throttle. just remember to clutch on downshifts;)
 
Progressive quoted me 375$ p/m
Farmers $73 p/m
So cal area, it is double compaired to quotes for Non populated areas like North Dakota

I edited my quote

35, no accidents, no tickets, motorcycle safty school every 3 years, and a M1 enforcement

Maria, of State Farm san Diego ask for her by name..
 
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Full coverage on my 2014 1200 monster was $324 for a year with a $50 deductible with Farmers
 
GEICO just quoted me $105 a month with $50.00 deductible, however I do live in LA.... lower Alabama and I am 42y/o that may be part of the low prices for insurance.
 
I know my rep hooked up a few of you guys here w an awesome rate but also that he can't do it for a few states. Not sure if Texas is one of them but I'll ask him. Btw it's State Farm and he's consistently been the lowest rate I've EVER seen by far!
 
my car insurance agent quote (State Farm)

Full coverage
500$ deductible

78$ per month !!!

i'm super happy
 

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