Guest CA Posted July 6, 2009 Share Posted July 6, 2009 I just bought a bike and knew insurance would be high from my previous experience. Just wondering who everyone has their insurance through and what kind of coverage is typical. Thanks in advance I have a Yahama V-Star 650 and I paid $140 for the year through Geico. Was the lowest rate I could find so I'm not complaining. That's down from $330 I was paying through Allstate. Link to comment Share on other sites More sharing options...
Guest IncompletePete Posted July 6, 2009 Share Posted July 6, 2009 But realize that rates are SIGNIFICANTLY different for a sportbike. I was blown away when I found out that a new rider between 18-25 can pay as much as 2 grand a year for insurance! Yea, I was bored when renewing the insurance for my regular ride so got a quote on the $70,000 Ducati Desmosedici RR - a snip at $20,000! Link to comment Share on other sites More sharing options...
M2 Posted July 7, 2009 Share Posted July 7, 2009 Now this would be very cool to ride...very Tron-esque but God help you if you get into an accident! Cheers! M2 Link to comment Share on other sites More sharing options...
Guest CA Posted July 7, 2009 Share Posted July 7, 2009 Now this would be very cool to ride...very Tron-esque but God help you if you get into an accident! Cheers! M2 Flash won't load on my gov't computer from that page, but I found another.. is this the same thing? Sounds like it would be a lot of fun to drive around. Link to comment Share on other sites More sharing options...
M2 Posted July 7, 2009 Share Posted July 7, 2009 Yep, same thing... Link to comment Share on other sites More sharing options...
fou Posted July 8, 2009 Share Posted July 8, 2009 Finally picked my bike up today and went with State Farm for insurance. I paid $447/6 months for 100/300/100 and $500 deductible on comp and collis. The same at progressive would have been over 2x as much. This is for an '07 R6. Still a little pricey, but no other company came close. Link to comment Share on other sites More sharing options...
Guest CA Posted July 8, 2009 Share Posted July 8, 2009 Finally picked my bike up today and went with State Farm for insurance. I paid $447/6 months for 100/300/100 and $500 deductible on comp and collis. The same at progressive would have been over 2x as much. This is for an '07 R6. Still a little pricey, but no other company came close. Wow... That is exactly why I went with a cruiser.. $140 for 12 months. Congrats on getting your bike though! Enjoy it and don't kill yourself! Link to comment Share on other sites More sharing options...
Jughead Posted July 12, 2009 Share Posted July 12, 2009 Check USAA as well, especially if you already have coverage on other vehicles through them. They are competitive, I have them for both of my bikes... Word of caution on that, M2. USAA--unlike every other company I've seen--essentially treats your bike & your car insurance as the same thing. The pro is the very competitive rate; the con is that a claim on one affects coverage on both. I hope you never have occasion to find that out "the hard way" as I did, but.... In my situation, I had an at-fault wreck on the bike and a no-fault (i.e., paid under comprehensive) car wreck. Both paid, w/ USAA's typical prompt & hassle-free service. Shortly thereafter, I got a notice of non-renewal. I managed to get around that w/ a letter to mgmt ("'no-fault' doesn't equal 'bad driver' / I'm a 15+ year customer / WTFO?"), but have since insured my bikes w/ GEICO (at rather competitive rates). YMMV. Link to comment Share on other sites More sharing options...
EvilEagle Posted July 13, 2009 Share Posted July 13, 2009 I had USAA on all my bikes for several years. I recently went to update and address and they moved me over to Progressive. Not too bad so far I guess, but USAA didn't want to keep my business. Link to comment Share on other sites More sharing options...
M2 Posted July 13, 2009 Share Posted July 13, 2009 Now I am confused, as if USAA "subs" out their motorcycle insurance as I was led to believe, how could they it as the same policy as your auto insurance? Link to comment Share on other sites More sharing options...
Guest CA Posted July 13, 2009 Share Posted July 13, 2009 Now I am confused, as if USAA "subs" out their motorcycle insurance as I was led to believe, how could they it as the same policy as your auto insurance? I don't think they sub it out. They just refer you to Progressive, which is where I got my really nice rate on my insurance. I don't see how that could affect your non-motorcycle vehicle coverage through USAA if you wrecked your bike. Link to comment Share on other sites More sharing options...
Jughead Posted July 13, 2009 Share Posted July 13, 2009 Now I am confused, as if USAA "subs" out their motorcycle insurance as I was led to believe, how could they it as the same policy as your auto insurance? Hmmm.... Looks like they changed their system. The wrecks I had were in 2002--at the time, USAA underwrote both the auto and the bike policies (as a single policy); nowadays, it looks like they are indeed two separate policies. Sorry for the outdated info. Link to comment Share on other sites More sharing options...
selfc23fe Posted July 13, 2009 Share Posted July 13, 2009 USAA has my motorcycle insurance go through Foremost. FWIW Link to comment Share on other sites More sharing options...
skinny Posted July 24, 2009 Share Posted July 24, 2009 I think the Marines got it right with their approach to motorcycle safety. Here's a trailer for their safety video "Semper Ride". Very well done in my opinion and targets the right audience. As opposed to the AF that seems to sometimes just want to get rid of motorcycles period. Enjoy... linky Link to comment Share on other sites More sharing options...
skinny Posted August 10, 2009 Share Posted August 10, 2009 More motorcycles than boobies so I figured they belonged here... Link to comment Share on other sites More sharing options...
Guest CA Posted August 10, 2009 Share Posted August 10, 2009 More motorcycles than boobies so I figured they belonged here... Haha, those are great skinny, thanks for sharing. Link to comment Share on other sites More sharing options...
M2 Posted August 10, 2009 Share Posted August 10, 2009 More motorcycles than boobies so I figured they belonged here... skinny Nice! Cheers! M2 Link to comment Share on other sites More sharing options...
Guest CA Posted August 13, 2009 Share Posted August 13, 2009 Thought I'd bring this up here after doing my research online. I got my motorcycle used about 14 months ago, my first bike. It's a V-Star 650. It came in pretty good shape with some nice and noisy cobra pipes that I've since mucked up pretty good. I've melted my riding pants on it (100% PU Coated Nylon) as well as bits of skin and the sole of my shoes, black stuff near the ends which I assume is exhaust residue and brake dust? A little rust thrown in here and there as well. Also it has some yellowish discoloration near where it's mounted to the engine. I've tried a few household things to clean it up but nothing is working so far. I'm just looking for some suggestions to get it cleaned up pretty good. I found S100 online and it seems to be a good product. What do you guys think? Link to comment Share on other sites More sharing options...
skinny Posted August 19, 2009 Share Posted August 19, 2009 My latest off... Dude passed me on the brakes and then parked right in front of me mid-corner. Link to comment Share on other sites More sharing options...
hd5032 Posted August 19, 2009 Share Posted August 19, 2009 Thought I'd bring this up here after doing my research online. I got my motorcycle used about 14 months ago, my first bike. It's a V-Star 650. It came in pretty good shape with some nice and noisy cobra pipes that I've since mucked up pretty good. I've melted my riding pants on it (100% PU Coated Nylon) as well as bits of skin and the sole of my shoes, black stuff near the ends which I assume is exhaust residue and brake dust? A little rust thrown in here and there as well. Also it has some yellowish discoloration near where it's mounted to the engine. I've tried a few household things to clean it up but nothing is working so far. I'm just looking for some suggestions to get it cleaned up pretty good. I found S100 online and it seems to be a good product. What do you guys think? For boot scuffs and such, warm the pipes up a bit, and use some very very fine steel wool. It should take it right off without scratching. I used to have a v-star 1100. Sold it to buy a 2006 Harley Davidson Screaming Eagle Ultra Classic Electra Glide. Link to comment Share on other sites More sharing options...
Jughead Posted August 20, 2009 Share Posted August 20, 2009 For boot scuffs and such, warm the pipes up a bit, and use some very very fine steel wool. It should take it right off without scratching. Agreed. Another method--less elbow grease but slightly risky to clumsiness--is Easy Off (oven cleaner). Spray a bit onto a paper towel, be ***VERY*** careful not to get any on a painted or rubber surface, and use the paper towel to wipe just about anything off of a chromed or unpainted surface. Follow up w/ LOTS of water to ensure you've rinsed it all away. Works like a charm (I did say "very" careful, right?). Link to comment Share on other sites More sharing options...
Guest IncompletePete Posted August 20, 2009 Share Posted August 20, 2009 (edited) My latest off... Dude passed me on the brakes and then parked right in front of me mid-corner. I'm not surprised he parked it - he was 3ft from the apex by the looks of it! The joys of racing - I hope my budget stretches so I can race next season! Edited August 20, 2009 by IncompletePete Link to comment Share on other sites More sharing options...
Guest CA Posted August 20, 2009 Share Posted August 20, 2009 Agreed. Another method--less elbow grease but slightly risky to clumsiness--is Easy Off (oven cleaner). Spray a bit onto a paper towel, be ***VERY*** careful not to get any on a painted or rubber surface, and use the paper towel to wipe just about anything off of a chromed or unpainted surface. Follow up w/ LOTS of water to ensure you've rinsed it all away. Works like a charm (I did say "very" careful, right?). I was against the idea of steel wool because it's on chrome. Does the really fine stuff have less of a chance to rough it up? My wife bought oven cleaner to actually clean the oven. Been thinking about using it since we already have it now. Should I warm the pipes up first or will it do fine without it? I have a pretty good sized chunk of that nylon from my pants sitting on there. What about the discoloration? A buddy said it's because I'm running rich that it's turning yellow. Can I get that back to normal with cleaner?? Link to comment Share on other sites More sharing options...
Jughead Posted August 21, 2009 Share Posted August 21, 2009 I was against the idea of steel wool because it's on chrome. Does the really fine stuff have less of a chance to rough it up? My wife bought oven cleaner to actually clean the oven. Been thinking about using it since we already have it now. Should I warm the pipes up first or will it do fine without it? I have a pretty good sized chunk of that nylon from my pants sitting on there. What about the discoloration? A buddy said it's because I'm running rich that it's turning yellow. Can I get that back to normal with cleaner?? The super-fine steel wool won't rough it up. More accurately, it will "scratch" the chrome at such a fine level that it won't be visible--indeed, it will even have a bit of a polishing effect. Think super-fine finishing sandpaper on wood--same idea. It's also analogous to sandpaper in that the bigger the "chunk," the more elbow grease you'll need. If your gunk is that large, then I'd say yes, warm up the pipes first. That's more about softening the stuff to not tear your paper towel than the effectiveness of the chemicals. If your gunk is more of a "stain" (little or no depth), the Easy Off will literally just wipe it off w/ a swipe or two; thicker stuff may require a little scrubbing (far less than the steel wool, though). My lawyer has advised me to repeat the warning: do NOT get any on your paint, hoses, tires, etc! I'm no engine expert, but isn't that ("too rich") backwards? I thought it was too-lean running that created extra heat, leading to discolored pipes...? Either way, that's not a "stain" that you can rub off, it's a chemical change in the chrome. I suppose it's theoretically possible to fix it, but in practical terms, if the discoloration bothers you, re-chroming is your solution. Adding heat shields is another. There are a couple of products out there that claim to restore the chrome, but I've yet to hear anyone have success with them. Maybe if your discoloration is slight, I suppose it might be worth a try (certainly cheaper than re-chroming). Of course, any fix you apply needs to include adjusting your mixture, or the problem will just recur.... Link to comment Share on other sites More sharing options...
Guest CA Posted August 24, 2009 Share Posted August 24, 2009 I'm no engine expert, but isn't that ("too rich") backwards? I thought it was too-lean running that created extra heat, leading to discolored pipes...? Either way, that's not a "stain" that you can rub off, it's a chemical change in the chrome. I suppose it's theoretically possible to fix it, but in practical terms, if the discoloration bothers you, re-chroming is your solution. Adding heat shields is another. There are a couple of products out there that claim to restore the chrome, but I've yet to hear anyone have success with them. Maybe if your discoloration is slight, I suppose it might be worth a try (certainly cheaper than re-chroming). Of course, any fix you apply needs to include adjusting your mixture, or the problem will just recur.... Thanks for the info. In regards to the discoloration, I don't care that much about it, but if it was something I could polish away I would. As long as I can get the crap off I'll be happy. Appreciate the help guys. Link to comment Share on other sites More sharing options...
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