What Classification

[slapnpop]

What insurance company do you use, and what classification of bike do they list the FJR as. I've had two insurance company tell me any bike with and "R" in the name is listed as a sportbike. I promply ask about the harley "Roadking" at that point. They don't laugh... an akward moment.

I'm looking for an insurance company that doesn't classify the fjr as a sportbike, or someone else with my insurance company whose fjr isn't classified as such.

 

[twowheelnut]

I have that motorcycle 'specialist', Progressive. They classify my FJR as, 'Hey, we can milk this guy for a wad of cash'. $750/year. I'm shopping starting in January next year as the policy is up in March. I wouldn't have renewed with them this year 'cept I ran out of time and now I just too lazy to change...

One thing I did notice: When asked the size of the motor I replied, "1300 cc's". The quote came in at $825. Then I asked the gal, "Oh, you want the actual motor size? That would be 1298 cc's." At which point, the policy dropped $75!

 

[snikr]

State Farm has a good price for me (around $300 a year) here in Vermont. But then I do insure my car and home through them as well. I've also heard the deal through RIDER magazine is a good one as is the one AARP has.

 

[Jetmaker737]

I have GEICO. $530 per year. The policy doesn't state whether it's a "sport" bike or other. The class is designated 19-5MM :huh:

 

[twowheelnut]

Yo, Jet!? Why is it every time you post I keep reaching for my 'Best of Hugo Montenegro' CD?

 

[teerex51]

TWN,

'Cause you lost your Best of Ennio Morricone CD (he's the guy who wrote the Spaghetti Westerns score)...

Stef

 

[Windjammer]

American Family, cost a little less than $400 per year and I had them increase some of the coverage amounts. I also insure cars and home with them. Previous bike company Markel wanted over $900 per year for the FJR!!!

BTW, I showed my American Family agent a picture of the FJR from one of the brochures, showing the bike being ridden two-up with luggage and top case. Once he saw that, he said "Oh, it's a touring bike then" and that's how he classified it.

 

[Timbo2015]

American Family, touring, $256/year.

 

[crewof1]

What insurance company do you use, and what classification of bike do they list the FJR as.......I'm looking for an insurance company that doesn't classify the fjr as a sportbike, or someone else with my insurance company whose fjr isn't classified as such.

Don't know how they classify it, but I have a policy with Dairyland. $250 deductible, road service, trip insurance, 43 yrs old w/ one claim in past 3 years = $650/year.

 

[daytonalou]

State Farm works for me - full coverage - for about $180 per 6 month policy. They don't classify by type but rather by cc's.

Another advantage is that I have my uninsured motorist protection on my car policy also cover me on the bike. It's a bit tricky, but a good agent - mine's a fellow rider - can tell you what items to check on the applications to pull it off. Saves more than a few $$ that way.

 

[slapnpop]

You m ight want to double check your policy with state farm. When I had them quote my first motorcycle (since my auto is with them) they told me they (as a company) don't offer any medical coverage for rider or passenger. They only covered the bike, and liability.

I don't know if the agent was just smokin' crack, or what, but my policy went elsewhere.

 

[GalaxyBlue]

State Farm has a good price for me (around $300 a year) here in Vermont. But then I do insure my car and home through them as well. I've also heard the deal through RIDER magazine is a good one as is the one AARP has.

Ditto here in Missouri...Exactly

 

[onecooltngeek]

Don't have the exact numbers here in front of me..

But I have State Farm on my Bike and pay under $500 a year for the FJR, full coverage, $500 deductible, and medical coverage.

I have Progressive on the Honda VTX1300 and paid around $850 for the year.

come November when the Progressive runs out, i'm putting the FJR on with statefarm as well.

Loved the 1298 CC trick... may see if that makes a difference on my policy as well =)

 

[Fastfar]

So what kind of coverage does this buy? I've read the dollar amounts for the policies, but how much coverage does this buy?

I carry 100/300/50 for $705 a year with $500 ded. ($100,000 per person, $300,000 per incident, $50,000 property damage, uninsured motorist. Medical for me is extra.)

 

[Centerline]

Just bought my Feejer last week, and changed my policy(GEICO) from my Yami Warrior of 1670cc to the FJR at 1298cc. Premium increased by 50 bux a year to $600. Dallas TX area.

 

[Geezer]

Are these insurance quotes all talking about similar coverage. Are some for only liability and others including collision and theft , etc?

 

[deanw]

Are these insurance quotes all talking about similar coverage. Are some for only liability and others including collision and theft , etc?

Well, that's the fun bit, isn't it- we're comparing apples to pommegranates.

Coverage varies from state to state, even with the same company. I use State Farm for everything (house, car, 4 bikes). When I moved to Colorado, I got to list a motorcycle as my primary vehicle, which I can't do in Oregon. Back in Oregon, I pay $50/year for an extra medical coverage rider.

I avoid Geico and Progressive, for various reasons. Nobody's been able to touch State Farm anyway, even though they don't give discounts for safety classes (or instructors)... at least, not in Oregon, they don't.

 

[lomaxcm]

+1 for State Farm. They go by cc displacement only and do not type the bikes. I pay $350 per year on my 1450cc bike and thus the FJR should be less than that. This is for 100k/300k/50k full coverage $500 deductible. I like them the best also because my military vehicles are only around $70 for six months for the same full coverage.

Ride Safe.

Marc

 

[Bounce]

Back when the first wave of FJRs were hitting the states, a lot of companies didn't have a listing for it. When I checked with Dairyland that was the case. I explained to them that it was like an ST1100 or R1100LT with fairing, hard bags, and windshield.

I've always suspected that saved everyone with Dairyland a ton of cash since some people left it up to their agents to research the bike. Typically that meant these non-motocyclist types saw Yamaha's hyper about "Supersport-Touring" and thought Eyeabuser or Gixxer.

When your audience is totally clueless and you have several options that are valid to use examples, always choose the more conservative ones. It pays in the long run.