1995Ex_Sedan

Thank you for your Internet request.

We cannot offer coverage at this time for the motorcycle(s) listed on
this application due to the following reason(s):

Driving Record

We appreciate your interest in our company, and we look forward to the
possibility of serving your insurance needs in the future.

Please let me know if I can be of further assistance.

To ensure a timely response when replying to this message, please do not
remove your policy number from the subject field or alter the reply-to
address.

Thank you for choosing GEICO.


Wtf is up with that? I had a speeding ticket and I hit someone.. By the law, it was my fault. There was some dumb bitch PARKED in the carpool lane on the freeway, guy infront of me didnt see in time, which means I didnt see in time and I hit him.
Does that mean I'm SOL when looking for cycle insurance?

boostn5Ghaba

I think you can get coverage with Progressive even with a ticket and an accident on your record. I have Geico because they gave me the best rate. BTW how old are you and what kind of bike?

The_Head

look elsewhere. The same thing happened to me a very long time ago, and I had less on my record then that. I found insurance through somebody else.

1995Ex_Sedan

I'm 22 and Don't have a bike yet. I'm shopping for quotes. Honda CBR hopefully. Something like a 500-700.

sQwiReL bOi

haha... when i tried getting motorcycle insurance after i bought a bike this is what happened.

state farm said my driving record was so bad i couldnt even get car insurance with them for the next 6 YEARS. haha. i tried a few other places and just gave up.

falcongsr

there is no law requiring an insurance company to provide coverage for you. its actually good business to limit your exposure to highest-risk individuals...i probably wouldnt insure you either, or i would charge a very high rate - especially on a bike. i doubt you want to hear any of this, but some insurance companies dropped the entire state of florida after they decided they didnt wany to pay out homeowner claims due to hurricanes. so yeah....

The_Head

You might have better luck if you are only getting liablity insurance.

TRN

Online quotes are worthless.

I run into the same problem as you have when trying to get them.

ASteele2

I never reallly had a problem with online quotes.

I'm covered with Progressive and never had to talk to a single person to set up my policy. I hate talking to people, they always try and sell you ****. My car is covered by USAA, though, and I might move my bike over in the future because their rates are invariably better.

marmaladedad

For awhile, Geico would insure ANYone who wanted insurance. They went through a period where they stopped issuing new motorcycle insurance policies, and now they're picky about who they offer coverage.

Like other people have said, shop around.

turboH22Aakkord

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by falcongsr &raquo;</TD></TR><TR><TD CLASS="quote">there is no law requiring an insurance company to provide coverage for you. its actually good business to limit your exposure to highest-risk individuals...i probably wouldnt insure you either, or i would charge a very high rate - especially on a bike. i doubt you want to hear any of this, but some insurance companies dropped the entire state of florida after they decided they didnt wany to pay out homeowner claims due to hurricanes. so yeah....

</TD></TR></TABLE>

you wouldnt cover him becasue of one speeding ticket/ accident? hahahaha.. wow... must be nice to be perfect. i understand what your saying about "them being smart not to" because he is a little higher of a risk.. but come on.. **** happens.. his record is mint compared to mine! his age might have something to do with him being refused too.. but i would shop around.. those online quotes are garbage in my opinion.. give them a call directly and speak to someone and explain out your situations...

Sijray21

Progressive is motorcycle friendly. I got the cheapest quote from them and was referred from my auto insurance company (USAA - who does not cover motorcycles).

Geico was VERY Expensive according to many of my friends that went insurance shopping.

My record when i applied:
2 speeding tickets in the past year
1 reckless in the past 3 years
1 small accident (fender bender) my fault

Coverage for a GS500e in Northern VA - $336/year for liability only

You shouldn't get denied coverage at all unless there is something you're not telling us for one reason or another.

marmaladedad

Everyone's insurance-shopping is different. I, for one, got the cheapest rates from Geico after shopping around. They also have great customer service (from my personal experience). I had two tickets on my record at the time.

turboH22Aakkord

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by Sijray21 &raquo;</TD></TR><TR><TD CLASS="quote">

My record when i applied:
2 speeding tickets in the past year
1 reckless in the past 3 years
1 small accident (fender bender) my fault

.</TD></TR></TABLE>

holy crapper... thats a good quote for that kind of wrap sheet ... there hope for me yet!! haha

falcongsr

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by turboH22Aakkord &raquo;</TD></TR><TR><TD CLASS="quote">you wouldnt cover him becasue of one speeding ticket/ accident? hahahaha.. wow... must be nice to be perfect. i understand what your saying about "them being smart not to" because he is a little higher of a risk.. but come on.. **** happens.. </TD></TR></TABLE>

Statistical analysis shows that "**** happens" to some people more than others. My sister has been in 4 car accidents, twice totalling her car. NONE of the accidents were her fault. Still, she's more likely to drive into situations where she is prone to have an accident. Her insurance is higher. Shouldn't it be? Would I sell her insurance? Hell no, I've ridden in a car with her before!

I'm far from perfect. Didn't imply I was. I've paid some outrageous car and bike insurance. Still pay a lot for bike insurance, for 2 more months anyway.


I guess my point is that yes insurance sucks, but its a bit of a racket and there isn't much getting around it other than shopping your *** off. I was bait and switched by Safeco. They doubled my insurance after lowballing me. *******.

gsr-2nr

I got the same thing because i got in an accident. then those ******* kept sending me mail saying your pre approved for insurance yadda yadda so i called them and told them what for

stroked

don't sweat it. Geico sucks! My auto quote from them was twice what I was paying with my current insurer and that's before they reduced my rate about 30%.

Seems like now a days, you have to be part of some privileged group to get decent insurance rates unless you have a spotless record or you older ie. usaa or new jersey manufactures for people in Jersey.

Luckily, my parents are in the armed forces and I'm covered with usaa which is definitely the best all-around company to deal with from banking to insurance

boostn5Ghaba

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by 1995Ex_Sedan &raquo;</TD></TR><TR><TD CLASS="quote">I'm 22 and Don't have a bike yet. I'm shopping for quotes. Honda CBR hopefully. Something like a 500-700.</TD></TR></TABLE>

I would think Progressive should insure you for something like a CBR600 even with your driving record. Like Sijray21 said, they are motocyle friendly.

1995Ex_Sedan

Okay, this is what Progressive gave me.


I can make payments, or pay in full, or half, etc.
This is FULL coverage because I will be leasing the bike, unless the dealership says I don't have too, then I might not get full coverage. We'll see.

Pay rate in full 1,353.00
Second option: downpayment of 202.95 and 11 consecutive payments of like, 105$
Third:A $338.25 downpayment and 3 consecutive installments of $343.25)

Policy Period: 12 month
Policy Information
Drivers
DAVID 07/12/1983 Primary driver cannot be removed.
Driving History
DAVID:
- Speeding
- Speeding
- Accident - At Fault

Vehicles
1997 HONDA CBR600F Quote must have at leat one vehicle
Coverages
General Coverages
Bodily Injury and Property Damage
$250,000 person/$500,000 accident/$100,000 property damage $446.00
Uninsured Motorists Bodily Injury Coverage
No coverage $0.00
Underinsured Motorists Coverage
No coverage $0.00
Medical Payments Coverage
No coverage $0.00
Transport Trailer Coverage
$0.00
1997 HONDA CBR600F
Comprehensive Coverage
$1,000 Deductible (with Disappearing Deductibles) $280.00
Collision Coverage
$1,000 Deductible (with Disappearing Deductibles) $627.00
Roadside Assistance Coverage
No coverage $0.00
Custom Parts and Equipment Coverage
$3,000 $0.00


What do you guys think? So a monthly payment would be about 100$? If I got the payment option

falcongsr

for what kind of bike, that certainly isn't an outrageous quote...

stroked

250/500 is a lot of insurance. Here in jersey, the minimum is 15/30 I believe. So for what your getting, I think it's very reasonable

geico

turboH22Aakkord

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by 1995Ex_Sedan &raquo;</TD></TR><TR><TD CLASS="quote">Okay, this is what Progressive gave me.


I can make payments, or pay in full, or half, etc.
This is FULL coverage because I will be leasing the bike, unless the dealership says I don't have too, then I might not get full coverage. We'll see.

Pay rate in full 1,353.00
Second option: downpayment of 202.95 and 11 consecutive payments of like, 105$
Third:A $338.25 downpayment and 3 consecutive installments of $343.25)

Policy Period: 12 month
Policy Information
Drivers
DAVID 07/12/1983 Primary driver cannot be removed.
Driving History
DAVID:
- Speeding
- Speeding
- Accident - At Fault

Vehicles
1997 HONDA CBR600F Quote must have at leat one vehicle
Coverages
General Coverages
Bodily Injury and Property Damage
$250,000 person/$500,000 accident/$100,000 property damage $446.00
Uninsured Motorists Bodily Injury Coverage
No coverage $0.00
Underinsured Motorists Coverage
No coverage $0.00
Medical Payments Coverage
No coverage $0.00
Transport Trailer Coverage
$0.00
1997 HONDA CBR600F
Comprehensive Coverage
$1,000 Deductible (with Disappearing Deductibles) $280.00
Collision Coverage
$1,000 Deductible (with Disappearing Deductibles) $627.00
Roadside Assistance Coverage
No coverage $0.00
Custom Parts and Equipment Coverage
$3,000 $0.00


What do you guys think? So a monthly payment would be about 100$? If I got the payment option
</TD></TR></TABLE>

holy shat man.. i wish.. i pay 1,500 a year for liablitly for my 95 zx7!! haha so 1350 for full coverage! thats not to shabby.

turboH22Aakkord

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by falcongsr &raquo;</TD></TR><TR><TD CLASS="quote">

Statistical analysis shows that "**** happens" to some people more than others. My sister has been in 4 car accidents, twice totalling her car. NONE of the accidents were her fault. Still, she's more likely to drive into situations where she is prone to have an accident. Her insurance is higher. Shouldn't it be? Would I sell her insurance? Hell no, I've ridden in a car with her before!

I'm far from perfect. Didn't imply I was. I've paid some outrageous car and bike insurance. Still pay a lot for bike insurance, for 2 more months anyway.


I guess my point is that yes insurance sucks, but its a bit of a racket and there isn't much getting around it other than shopping your *** off. I was bait and switched by Safeco. They doubled my insurance after lowballing me. *******.
</TD></TR></TABLE>

yeah man.. sorry for the bitch *** remarks haha.. i just get kinda pissy/touchey when talking about insurance and stuff.. hell.. thats where half my income goes...

Sijray21

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by Sijray21 &raquo;</TD></TR><TR><TD CLASS="quote">Progressive is motorcycle friendly. I got the cheapest quote from them and was referred from my auto insurance company (USAA - who does not cover motorcycles).

Geico was VERY Expensive according to many of my friends that went insurance shopping.

My record when i applied:
2 speeding tickets in the past year
1 reckless in the past 3 years
1 small accident (fender bender) my fault

Coverage for a GS500e in Northern VA - $336/year for liability only

You shouldn't get denied coverage at all unless there is something you're not telling us for one reason or another.</TD></TR></TABLE>

i forgot to mention that this is my own policy and i'm 22

i also just got quoted from Progressive for an '03 600RR for $1347/yr for liability and comprehensive the other day ('03 R6 and '03 ZX-6R were identical quotes)

m3bluegsr

geico denied me and i only had 1 ticket like 6 months ago. Never had an accident either. Now i have liberty mutual..500 a year for full coverage.