HELP motorcycle insurance

[MTNdew]

well ive hads my eyes set on a 2011 yamaha stryker.so i went down to my local dealer and talked to them today and everything went good price wise (didnt sign yet) but when i got home i did an online quote through a couple different companies and they all where $1200-1800 per year . i am 22 never owned a motorcycle before but i have been on dirtbikes since i was 8 (not that it matters).any advise or am i screwed.heres a pic of the bike, would look good next to the camaro

[FINALLYSATISFIED]

$12-1800? Hmm.

I pay $126 a year. Just liability not full coverage. I currently own a 2006 GSX-R 600 and this is my 2nd bike. I haven't own a bike for more then 2 years, due to my deployments. I sold my 1st bike after having it for about a year and insurance was $162 a year and yes I had liability for that too. My 1st bike I used Gieco, 2nd I use Farmer's Bureau.

[wbt]

Check with Allstate, join a motorcycle club that they endorse and take a motorcycle safety course. That should be a dramatic difference in the rate.

[MTNdew]

Ok thanks guys

[upflying]

MTNdew you are 22 with no street riding experience. You are high risk, that motorcycle is high risk. Your premiums reflect that. Start out with a used bike.
I been riding the street for 40 years, ride a 13 year old BMW, $500/yr full coverage, one million liability.

[JETG]

State Farm is the cheapest in Texas, well at least for sport bikes. Might check for a local motorcycle forum, and see about who in your state is cheaper

[justa25thTA]

I've been with both Progressive and Dairyland.

[csjcsj]

Go check with a. Company called American Modern! That's who I go through and full coverage on my sport touring bike is $33 a month!

Also do you have motorcycle licence? That really helps! I didn't at first and premimums were alot higher!

[67 Convertible]

As mentioned, it's your age and experience.
I have a two year old Harley Electraglide Classic that I bought new.
Been riding for 44 years. My insurance is $650 a year for full coverage, with fire, theft, comprehensive and $500 ded. collision.
No advice other then get some experience and get older with no mishaps, probably the only way you'll get insurance cheaper.

[Shifty 6]

I ride a Ducati 996, full coverage, $1000 deduct its like $300 something per YEAR. Never paid more than $400 per year first time rider, sport bike, age 25. Those so called motorcycle insurance places are the worst ever!

I go state farm; car, house, and bike. And that motorcycle is NOT a high risk bike.

[HeatherR]

Listen to the advice (driving school, etc.), but be careful taking everyone's quotes to heart. We move a lot and my husband's insurance costs vary greatly depending on what state we're living in. Get a bunch of quotes and more important experience.

[cab2g]

In my experience, rates do vary greatly by provider. But the more expensive the bike the more your insurance will be. if you buy yourself a used bike for 3k, you can probably cut that rate in half. If you remove collision insurance (only liability+comprehensive) Your rates should be closer to $200-400/yr.

But as others have stated, take a motorcycle safety course. I believe most insurance companies give a discount if you take one of those courses.

[MTNdew]

Well I did hear that the safty coarse did save money which I included that in my quotes and it only save me around 50$ a year on the three providers I've talked to. I understand being 22 is high risk but damn...it sucks being young sometimes lol

[outlaw2]

Pay 455 a yr Full coverage,99 Harley Springer new in 99 was 650. M/C safety class will drop you 10% and a group rider will drop you another 10%. Highly recomend you get "Uninsured Motorist"..hate to loose a leg or something and not have recourse cause the POS that hit you and Ran was not insured,no license,and not a legal resident in the USA. Know a few Brother that are screwed in this boat. If this is your 1st street bike..You Will Crash it, been there done that and so has everyone else I rode/ride with...get you a used bike to learn on. We (Nevada) just lost a 27yr old lady on a Brand New Harley with a learners permit on a 4 lane highway,hit the center guard rail 2weeks ago.