Anyone want potentially cheaper insurance?

[DRKWNG]

As the title says, is anyone interested in cheaper rates?

"DUCATI AND FOREMOST LOWER INSURANCE RATES
Cupertino, CA (April 28th, 2008) - Ducati North America and Foremost Insurance are proud to announce that lower insurance rates are now available on several families of Ducati models. Announced in September 2007, the partnership with Ducati and Foremost has resulted in a number of benefits for Ducati owners and DOC Club members.  The benefits include special discounts, dedicated motorcycle friendly customer service, as well as a unique partnership with the Pegram Racing Ducati Team.  Ducati North America has now been able to communicate directly with Foremost underwriters to redefine how Ducati motorcycles should be categorized and rated. Ducati owners who ride Hypermotards, Monsters and Sport Classic’s can now take advantage of these new reduced pricing structures.Foremost Insurance now classifies the Hypermotard family as a “Dual-Sport”, and the Monster and SportClassic families have been moved to the “Standard” segment.  These motorcycles were previously grouped into the “Performance” classification, which normally carries higher premiums.Foremost also offers discounts for clean driving records and multiple unit owner discounts.   For more information including quotes, please visit www.ducatiforemost.com. "

BUT, isn't there always a but, here's the catch.  As of right now, Foremoste does not write policies in our lovely state.  The person that I spoke with did not know if that was by choice of the company itself, or if it was mandated by the state.  I asked them if they had any idea if they might begin to offer coverage down here and got the big shrug as a reply.  So, here is my quiestion/suggestion: Seeing as how this company is now affiliated with Ducati, how about we try to get some folk together and petition DNA to get them to offer coverage down here.  What say you?

You can see a bit more info by reading this thread: http://ducatimonsterforum.org/index.php?topic=3316.0

[MadDuck]

GEICO gives me a really great rate.  I think I qualify under the "Grand Dad" discount.  [moto]

[eltristo]

I've never had good luck with Geico, but i know lots of folk who have.  Every time I call, I get quoted 50-100% higher than my current rates. 

[DesmoBlob]

I've never had good luck with Geico, but i know lots of folk who have.  Every time I call, I get quoted 50-100% higher than my current rates. 

No no no you're doing it all wrong. So easy, a caveman...

...well you know. 

[DRKWNG]

I've got good rates with GEICO as well.  One thing though, several people in that other thread made mention of these new guys beating GEICO's rates, some by a couple hundred per year.

[eltristo]

I know we have different bikes, different ages, etc., but are you folk (esp you hawaii folk) wiling to say about what you pay for your monster?  Mine is a smidge over $300, and I think that's 6 months.  Seems high, no?

[eltristo]

oops.  Looks like that's actually a year.  I feel a bit better now. 

[DRKWNG]

Just wait until you go to add a sport bike onto your policy... 

[eltristo]

Just wait until you go to add a sport bike onto your policy... 

Bad eh?  I was amazed while trying online quotes that Geico and Progressive both listed the 748 and the m750 as the same bike.  More interested in displacement than use, it seems. 

[MadDuck]

Bad eh?  I was amazed while trying online quotes that Geico and Progressive both listed the 748 and the m750 as the same bike.  More interested in displacement than use, it seems. 

Just for grins why don't you try comparing those two with a GSXR750. That'd test your displacement theory.

[eltristo]

Just for grins why don't you try comparing those two with a GSXR750. That'd test your displacement theory.

That bumped it $200/year.  Guess it only worked with older Ducatis. 

in other news, I finally realized that  [moto] is a guy riding, not reading a crystal ball.  duh.

[DRKWNG]

Just for grins why don't you try comparing those two with a GSXR750. That'd test your displacement theory.

Exactly.  For some reason, the insurance companies quote really low rates for Ducatis.  I was amazed at how low the rate was for the 996 that I almost bought when I first moved here.  I asked the GEICO person why this was and they said that most people who buy Ducs are older, more mature and not as likely to go out and be stupid with them.  Guess they don't extend the same philosophy towards Triumphs.   

[MadDuck]

I asked the GEICO person why this was and they said that most people who buy Ducs are older, more mature and not as likely to go out and be stupid with them. 

Two out of three isn't bad.

[DRKWNG]

Two out of three isn't bad.

lol  You know what I mean.  You don't usually see all that many squids riding around on Ducs.  BUT, I did see someone on Sunday "cruising" a late model Super Sport over near Kanaohe absolutely gearless.

[MadDuck]

Maybe I should have said "One of three isn't bad".