$802 per year insurance for two F6Bs. Am I overpaying?

[powercruzer13]

Got my bill today for next year renewal from the Lizard. Seems to be a bit more than it was a couple years back.... Two 2013 F6Bs full coverage for a year in Central Florida.

Any suggestions on where I may check to save a couple bucks? Bikes are paid for & Florida does not require insurance on bikes but that's not my style.

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[stroguy]

$80freakin2? That crazy. I would think if you checked anywhere it would be cheaper. They had to have made an error in calculations. That's insane.

[jm21ddd15]

Doesn't sound to far from normal. But, not knowing your age, and driving record, it is next to impossible to say if you have a good deal or not. Also, depending on the state you get the insurance from, makes a difference. 50 people with perfect driving records, and the same age and sex, will get a variety of quotes, for the exact same policy, from the same company, just because of where they live. Stuff like "city", or "rural" comes into play, too. Hope you can find a rate you can accept.

[VStarRider]

I pay $200 per year for mine, full coverage, here in upstate NY.

But...I gotta ask...when you say "Florida does not require insurance"...please tell me you are referring to collision and comp...?!?!

They MUST require liability insurance...?

[53driver]

What I found out:
The Under-insured / Un-insured premiums in Florida are freaking epic.

GEICO had me about the same 100k/300k etc...for the F6 and the Harley.
All State beat them by $250 for the same numbers.

Best of luck,
Steve

[thunder217]

Here in Maryland 58 years old great driving record. No speeding tickets. $670 for two bikes F6B and M109. I thought this was good. I need to find someone else. LOL

[F6Dave]

I just paid mine. $304 per year for full coverage on four bikes. Limits are high (250/500) as well. There are so many factors (like age, driving record, type of bike, and location) that it's difficult to compare. But I believe I have some very low rates. I asked another agent for a quote and he said he wouldn't even bother trying to match what I paid.

[powercruzer13]

I just paid mine. $304 per year for full coverage on four bikes. Limits are high (250/500) as well. There are so many factors (like age, driving record, type of bike, and location) that it's difficult to compare. But I believe I have some very low rates. I asked another agent for a quote and he said he wouldn't even bother trying to match what I paid.

What company?

[Felloverboard]

Mostly depends on how much ins you are paying for. Is it 10/20 100/300 ?.. how much deductible ? Do you have underinsured/uninsured ? Tickets.... No answer on this forum will probably fit your exact details. Plus depending on the density of the population area you live in affects it. True you don't have to have any motorcycle ins in Fl . But we are overwhelmed with retired yankees looking for signs to Disney, not motorcycles. This is a great place to have a headlight modulator.

[powercruzer13]

I pay $200 per year for mine, full coverage, here in upstate NY.

But...I gotta ask...when you say "Florida does not require insurance"...please tell me you are referring to collision and comp...?!?!

They MUST require liability insurance...?

Unless you owe money on it & your finance company forces you there is no insurance required. You cannot go sans helmet unless you carry a minimum coverage in Florida. I do not have to have any insurance at all on my bikes, they are paid for. However that aint my style.