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post #51 of 82 (permalink) Old 5-29-2011, 4:53 PM
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Re: Chi-town riders!

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Originally Posted by lifehousee
Some people are a pain....Especially the guys on the litre bikes who want to pull away from you and do wheelies......I think they want to die....
What did you do with your Ninja and what are you riding now?
Don't need work with carbs yet but it is getting time for that valve clearance and carb cleaning.

Where do you ride from Bville?
I dont ride at the moment. I sold my gas guzzler and the month after i sold my ninja. A bike is a lot of extra expense at the moment. 1k for insurance is nasty and probably one of the main reasons i sold my old one. Dont pay any attention to liter bikes. Those guys are "too cool."

The silver arrow<br />'97 EX500, Muzzy full 2-1 exhaust, flush turn signals, "Uni" foam filter.<br />Sold
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post #52 of 82 (permalink) Old 6-1-2011, 7:59 PM
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Re: Chi-town riders!

$1k for bike insurance wow. You must have a bad record.

94 ex500<br />GambleGarage.net
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post #53 of 82 (permalink) Old 6-1-2011, 9:25 PM
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Re: Chi-town riders!

1 speeding ticket for 1-14 over 4 years ago which is not on my record any more, no other tickets, no accidents...etc so no actually a great record.

The silver arrow<br />'97 EX500, Muzzy full 2-1 exhaust, flush turn signals, "Uni" foam filter.<br />Sold
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post #54 of 82 (permalink) Old 6-1-2011, 10:48 PM
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Re: Chi-town riders!

Geez, how does going 14mph screw you that bad? I have no accidents or tickets and basic liability was only $134 a year.

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post #55 of 82 (permalink) Old 6-1-2011, 11:56 PM
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Re: Chi-town riders!

I'm right outside Chicago, still cook county and pay $256/year full coverage with 250/500 deductable on a 2009 ex500. No accidents or tickets in over 7 years, 29 y/o. Paid for insurance last year in october, suspended it (full coverage storage insurance) from dec to may and received a check back for the difference, $80.

\\\'09 EX500&nbsp;&nbsp; Silverstar headlight bulb, clear signals, intergrated 250 mirrors, reflective wheel stripes, led license bulb, homemade fender delete, shortened rear signals...&nbsp;&nbsp; more lighting coming soon
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post #56 of 82 (permalink) Old 6-2-2011, 6:33 PM
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Re: Chi-town riders!

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Originally Posted by cashmoney
29 y/o.
The agent from statefarm said i was paying so much because i was in the risk group...21 years old male riding a EX500 bike which is a common bike that gets crashed by newbies.

The silver arrow<br />'97 EX500, Muzzy full 2-1 exhaust, flush turn signals, "Uni" foam filter.<br />Sold
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post #57 of 82 (permalink) Old 6-3-2011, 9:51 AM
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Re: Chi-town riders!

Still even at 21, 1k a year is HIGH. My little brother is 21 and has libility only and pays $100 year with progressive.

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post #58 of 82 (permalink) Old 6-3-2011, 8:05 PM
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Re: Chi-town riders!

Quote:
Originally Posted by triple88a
Quote:
Originally Posted by cashmoney
29 y/o.
The agent from statefarm said i was paying so much because i was in the risk group...21 years old male riding a EX500 bike which is a common bike that gets crashed by newbies.

Ahhhhhh Yes, that is your reason then. If your actually within the city limits, it'll be higher also. I've also got State Farm, multi car/home/etc discounts.

\\\'09 EX500&nbsp;&nbsp; Silverstar headlight bulb, clear signals, intergrated 250 mirrors, reflective wheel stripes, led license bulb, homemade fender delete, shortened rear signals...&nbsp;&nbsp; more lighting coming soon
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post #59 of 82 (permalink) Old 6-4-2011, 2:09 AM
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Re: Chi-town riders!

Quote:
Originally Posted by triple88a
Quote:
Originally Posted by cashmoney
29 y/o.
The agent from statefarm said i was paying so much because i was in the risk group...21 years old male riding a EX500 bike which is a common bike that gets crashed by newbies.
Common bike that gets crashed by newbies... Thats rich. Around here I have never seen a newbie ass squid rider (the type to crash in the first two weeks) on anything less than a GSX-R 600.

Ah well... MSF course starts tomorrow morning and I turn 25 in a year and change.
post #60 of 82 (permalink) Old 6-4-2011, 3:04 AM
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Re: Chi-town riders!

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Originally Posted by Masta Squidge
Common bike that gets crashed by newbies... Thats rich.
Thats what the statistics show man, not much i can do about that.

The silver arrow<br />'97 EX500, Muzzy full 2-1 exhaust, flush turn signals, "Uni" foam filter.<br />Sold
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post #61 of 82 (permalink) Old 6-4-2011, 6:33 PM
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Re: Chi-town riders!

Yeah once i hit that 25 mark, my rates dropped drastically.

\\\'09 EX500&nbsp;&nbsp; Silverstar headlight bulb, clear signals, intergrated 250 mirrors, reflective wheel stripes, led license bulb, homemade fender delete, shortened rear signals...&nbsp;&nbsp; more lighting coming soon
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post #62 of 82 (permalink) Old 6-5-2011, 2:37 PM
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Re: Chi-town riders!

Quote:
Originally Posted by triple88a
Quote:
Originally Posted by Masta Squidge
Common bike that gets crashed by newbies... Thats rich.
Thats what the statistics show man, not much i can do about that.
Well Im not saying it isnt true, just not what I typically see around here. Far more commonly around here you see idiots on liter bikes who have never ridden anything in their life prior. Usually they get some wrecked 1000 from a friend for cheap, put it together with zip ties then crash it at 95 mph in a parking lot.
post #63 of 82 (permalink) Old 6-5-2011, 2:38 PM
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Re: Chi-town riders!

Quote:
Originally Posted by cashmoney
Yeah once i hit that 25 mark, my rates dropped drastically.
Next monday they should come down a bit with my MSF done and class M regular license. Then another year and I hit 25.
post #64 of 82 (permalink) Old 6-19-2011, 10:21 PM
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Re: Chi-town riders!

M class and safety course will help alot....But i am with progressive and for full coverage is only 300-440 a year...i cant remember exactly...for 21 yo
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post #65 of 82 (permalink) Old 6-20-2011, 12:41 AM
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Re: Chi-town riders!

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Originally Posted by triple88a
1 speeding ticket for 1-14 over 4 years ago which is not on my record any more, no other tickets, no accidents...etc so no actually a great record.
Some companies look back farther than 4 years.

Your "record" and your "MVR" are two different sheets of paper. You never lose something from your record, they just stop paying attention to it after X amount of time.

I pay almost 900 a year for my 500, but almost 500 of that is medical coverage. So I guess I'm not too bad. Of course, that is only for liability...
post #66 of 82 (permalink) Old 6-20-2011, 11:10 PM
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Re: Chi-town riders!

How will having the M class or MSF course done help insurance rates? I have neither and am paying dirt cheap for full coverage. Just curious.

\\\'09 EX500&nbsp;&nbsp; Silverstar headlight bulb, clear signals, intergrated 250 mirrors, reflective wheel stripes, led license bulb, homemade fender delete, shortened rear signals...&nbsp;&nbsp; more lighting coming soon
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post #67 of 82 (permalink) Old 6-20-2011, 11:33 PM
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Re: Chi-town riders!

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Originally Posted by cashmoney
How will having the M class or MSF course done help insurance rates? I have neither and am paying dirt cheap for full coverage. Just curious.
Well... being a licensed rider, and having taken an approved safety course generally make for less accidents... Of course this is not strictly true in both cases, but it makes you look better to them.


Getting the MSF course completed was a "10 to 20 percent decrease in rates" according to my insurance agent. The guy is a dipshit though, and never mentioned any change I might have just for having a license. Its likely that you dont get a "discount" for having it, but you probably have an increased premium for NOT having it.
post #68 of 82 (permalink) Old 6-20-2011, 11:36 PM
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Re: Chi-town riders!

Yeah, its been over a week and my policy still says I dont have an endorsement and my riders course discount is not listed.

Tomorrow afternoon the insurance guy is getting a visit.
post #69 of 82 (permalink) Old 6-21-2011, 5:14 PM
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Re: Chi-town riders!

Statefarm doesnt give discounts for completing the safety course.

The silver arrow<br />'97 EX500, Muzzy full 2-1 exhaust, flush turn signals, "Uni" foam filter.<br />Sold
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post #70 of 82 (permalink) Old 6-21-2011, 6:17 PM
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Re: Chi-town riders!

Quote:
Originally Posted by triple88a
Statefarm doesnt give discounts for completing the safety course.
but progressive does.

Statefarm better have damn good rates and coverage to make up that them shenanigans though.
post #71 of 82 (permalink) Old 6-24-2011, 2:46 PM
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Re: Chi-town riders!

I second that medical coverage. Insurance for the 500 should not be expensive at all. Look at prgressive guys, it is a massive savings over statefarm.....And here is a neat tidbit of info....If anyone was in the military or has family in the military look at USAA they over great insurance and for an even better rate.

Side note* Anybody been riding around the O'hare area, want to meet up and go for a cruise?
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post #72 of 82 (permalink) Old 6-24-2011, 10:11 PM
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Re: Chi-town riders!

Quote:
Originally Posted by lifehousee
I second that medical coverage. Insurance for the 500 should not be expensive at all. Look at prgressive guys, it is a massive savings over statefarm.....And here is a neat tidbit of info....If anyone was in the military or has family in the military look at USAA they over great insurance and for an even better rate.

Side note* Anybody been riding around the O'hare area, want to meet up and go for a cruise?
Progressive was nearly triple for auto insurance for me compared to state farm, homeowners was almost double, so i didn't bother having them quote a bike.

\\\'09 EX500&nbsp;&nbsp; Silverstar headlight bulb, clear signals, intergrated 250 mirrors, reflective wheel stripes, led license bulb, homemade fender delete, shortened rear signals...&nbsp;&nbsp; more lighting coming soon
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post #73 of 82 (permalink) Old 6-24-2011, 10:57 PM
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Re: Chi-town riders!

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Originally Posted by Masta Squidge
Statefarm better have damn good rates and coverage to make up that them shenanigans though.
as i said 1k per year for liability.

The silver arrow<br />'97 EX500, Muzzy full 2-1 exhaust, flush turn signals, "Uni" foam filter.<br />Sold
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post #74 of 82 (permalink) Old 6-29-2011, 2:40 AM
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Re: Chi-town riders!

Quote:
Originally Posted by jmanrunner
Quote:
Originally Posted by Masta Squidge
I pay almost 900 a year for my 500, but almost 500 of that is medical coverage. So I guess I'm not too bad. Of course, that is only for liability...
If you have alternate health insurance...
I dont.

But I took my MSF and have my class M and that resulted in a drop of almost 150 dollars for this year's total premium. Dropped me 16 dollars a month for the remaining 8 months on the policy.

Next year I am looking somewhere else.
post #75 of 82 (permalink) Old 7-11-2012, 9:03 PM
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Re: Chi-town riders!

Wisconsin just over the boarderby a block.
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