Bike Insurance

Thunderstruck · 02-04-2006, 07:04 PM

most of the time,private classes dont have the authority to issue the state ok that you took and passed thier tests...using a school like ecc (elgin community college) they have state certified instructors and after you do thier classes, you are certified...then im pretty sure you just go to the dmv with you certificate and they give you your liscence...i dont think they even test you on the bike at that point...just give you your lisence and off you go...

i have been riding for years without a license but plan on taking the class this year once the weather gets better...as long as you dont drive like an ass, chances of NOT getting pulled over are REMOTE...i never got tagged...but now that im riding as much as possable, i want to get the added m class put on my id to make me completely legal...

importcrew · 02-04-2006, 08:02 PM

^I agree. All you do once you pass a state certified class, you just go to the dmv with your certificate and hand them that and your license. They update your license to an "M" class which allows you to ride any size cc motorcycle.

oh, and state law prohibits cops from giving chase to any persons on a motorcycle exceeding 80mph. It doesn't mean they won't try to see if you'll pull over or anything, but if you continue to speed off when they try pulling you over, they're "not supposed" to give chase. But if they got your license plate number....well then they know where you live.

hehe.

James · 02-05-2006, 11:36 PM

Quote:

Originally Posted by Gizmo

What exactly is this ECC thing I've seen a few private schools and those were the ones I was gonna go to

With a private school you'll spend $350-$500 but you can attend their course anytime during the year with maybe a weeks notice. You still have to go to the DMV with a bike and demonstrate- or pay an extra $35-$50 and a state representative will come out to the riding school a couple times and you can use the riding school bikes to demonstrate your ability.

http://www.outreach.niu.edu/mcycle/registration.shtml

With the state school you only pay $20 (and it's a refundable deposit). But can only take it at certain community/colleges and if you don't sign up within hours/days when registration opens later this month you'll lose your chance for the year. You can "walk-in" and hope someone didn't show up though.

importcrew · 02-06-2006, 10:52 AM

Well also from my understanding. You can take classes a Harley Davidson Dealership for about $300-$400. And I do believe that they are certified by the state. So if you complete the course there and they give you a certificate of completion, then you can just go to the DMV and show them that certificate and you get your license updated.

And if you try signing up for the state classes (going through that NIU link) then I highly suggest signing up when regestration opens at midnight. If you don't, then you're almost guaranteed to not get the class you want. It's that hard to get in.

And lastly...Say you go to buy a bike from a dealership and decide to take the riding course at the dmv. (first you gotta get your permit=15 questions) Well most dealerships, if not all, will let you borrow a small 250cc bike and ride up there with you so you can take the riding portion of the test. But I wouldn't sweat it if you don't get a license right away. You're running a risk if you ever get caught, but you will hardly ever get pulled over if you're riding a bike. Just don't ride ignorantly. I've had my bike since the beginning of July and have not once got pulled over. I do have my permit, but I hardly ever ride with my friend.

Star_Fire · 02-06-2006, 05:42 PM

I've been riding for a little over 2 yrs now. The insurance for my '04 Yamaha V-Star 1100 Silverado is $960/year (after MSF discount) with full coverage and towing coverage through Progressive. The bike is valued at a touch over $10k. They were the cheapest out of State Farm/Farmers/Allstate and any other big-name company. Actually signed with them through InsureOne. I also have 3 accidents on my record (not-at-fault) that makes me high-risk for auto coverage.

w8lifter21 · 02-16-2007, 07:44 AM

I pay $128/mo with full coverage on my 350z, R6, and liability only on my civic with state farm. 25yo, no accidents, few tickets

nismo se-r · 02-16-2007, 11:53 AM

man, liability here at 18 years old, on a 2001 cbr 600 is 230 for one year at allstate.

Also, there is a girl on russianriders hookin ppl up with some crazy discounts.

heres the thread and her actual username is "katya" if you wanna pm her idk if she would help you out.

http://www.chicagorussianriders.com/...atya+insurance

scroll down to see how cheap.

Rae · 02-22-2007, 05:30 PM

I have allstate for mine, we have 2 cars, 2 bikes, and homeowners insurance though so that made it cheaper. I can't remember what it is exactly, but it's not expensive at all! Definitly wasn't as high as I expected it to be. I'll have to find the papers and I can tell you exactly what it is though.

Arch · 02-22-2007, 10:34 PM

USAA

2000 CBR600F4

300K/500K/100K coverage plus collision

$248 / year

Rae · 02-22-2007, 11:07 PM

I checked mine, mines only $24X a year. W/ both bikes were paying a little over $500/yr, and were both beginners so it's really a good deal!

atom21 · 03-12-2007, 11:34 PM

Yeah, the newer the driver, expect a more expensive insurance cost.