How much is your insurance? and how durable is Buell?

[Matcotools63]

im a new rider getting ready to take the motorcycle courses and im looking for a street bike to comute to collage and stuff i will be in arizona so the weather is ideal for a bike.. i just need something thats cheap, good on gas, low insurance premium.. i will be doing a lot of freeway miles about a 100 a day.. im 5'8" so im fairley small and need to keep a shorter bike in mind.. i would like to get something better than a blast like a Xb9... i know a DRZ is a sweet bike but it wont do 75mph for 50 miles twice a day with out me being worried it will blow up.. How much is the insurance on your buells? what is the most durable buell? and if buell is not the way to go for durability and cheap insurance whats a good street bike/ Supermoto.. Feel free to comment! Thanks!

 

[stensg]

I've got a 1125r and only pay $55 a month through farmers insurance that's full coverage. My self i don't have a problem putting on 300 miles in a day since I got frame grips and 1inch drop pegs. Forgot to mention I'm 24

 

[2004xb12s]

I have minimum on my buell and its like $75 a year and Im only 22. Idk if Buell would be the best highway bike but it would get the job done. I love my buell and all but if i was getting a highway bike the xb12 wouldnt be it. Get a jap bike crb gsxr zxr if you want a sportbike or get an inexpensive cruiser

 

[06xbss]

I have the minimum on my Buell and pay $100 for the year. As long as you get a 9S and not a 9R I don't think you'll have any problems with your commute, the insurance is probably cheaper on an S too.

I'm only 5'7" and have the taller XB12Ss, ergos fit me great and I can run a few hundred miles without a problem. At 75mph on the highway my bike will get over 50mpg and I've put 18,000 mile on the bike with minimal problems.

 

[stensg]

Just wondering what's everyone reason for doing minimum coverage? I personally don't trust people enough when i leave my bike to risk it getting stolen or dumped without full coverage.

 

[CrazyTexan]

I do 45-60 miles a day on my buell, its my only means of transportation. I get close to 50mpg. My insurance @ bare minimum was 70$ a year, but this year i added comprehensive incase it gets stolen or something happens to it. nd that raised it to 140 year. And I'm 24.

 

[06xbss]

I would love to have better coverage. If I had better coverage then I couldn't afford to ride or even eat. Just really really careful about where I leave my bike or even ride it.

 

[2004xb12s]

Just wondering what's everyone reason for doing minimum coverage? I personally don't trust people enough when i leave my bike to risk it getting stolen or dumped without full coverage.

i dont ever leave my bike anywhere more than a friends house or maybe a restaurant for an hour or two. Love my buell too much and dont trust people.

 

[stensg]

When i got my 1125 progressive wanted 275 a flippin month. I looked around and found farmers insurance they specialize in motorcycle insurance. When i heard they wanted 55 a month i thought it was a joke and i compared them with progressive and it was the exact same. I put my sv650 with then too and that was a extra $7 a month. You should check them out.

 

[XRorXB]

My insurance @ bare minimum was 70$ a year...

I have minimum on my buell and its like $75 a year...

Man, I feel like I'm getting ripped off. May I ask which insurance companies you two are using?

 

[06xbss]

My insurance is through Dairyland, only reason it's $100 a year is because of a DUI in 2010.

 

[snrusnak]

I pay somewhere around $200/year IIRC, and it's $50k/$100k liability, $50k/$100k uninsured motorist, $10k property damage, no comp IIRC.

I see no reason for carrying a lot of property damage because I don't see how I could possibly do a lot of property damage with my bike. Only scenarios I see are going down in a corner and hitting something....a car, fence, etc and $10k should be enough.

I don't carry comp because my bike is always parked in the garage or in sight.

 

[deathandtexas]

$100/year

That's with progressive for a mid-tier liability + comprehensive policy, 16 yrs riding experience, 1 minor at-fault accident on my record and a refresher safety course within the last 3 years.

 

[Jonny5zaliv]

I don't get it. I pay $781.45 a year, but I financed my bike, so didn't think I could do much better. This is through Allstate, and I'll try to provide as much info as possible to see why I'm getting raped! This is my 2nd year riding, I'm 30, I have an 05 xb9sx, and have a car through the same insurance.
Liability premium is $112.71, bodily injury $25K each person, $50K each accident, property damage $10K.
Uninsured premium is $242.64, bodily injury is $50K each person, $100K each accident, $10K property with $250 deductible.
Motorcycle medical payments premium $95.29, $1K each accident.
Collision insurance premium $188.19, $1K deductible with a $200 deductible reduction for safe driving.
Comprehensive insurance premium is $138.12, with $500 deductible.
Optional or added equipment limit is $1K.
Towing and labor costs coverage limit is $50 with a $4.50 premium.
I get a multiple policy and safety course discount, a merit rating surcharge.
I did get a speeding ticket a couple years ago, and used to get a lot when I was younger, so factor that in as well.

I hope I'm not thread jacking, hopefully people can learn from this, and maybe we can all come out ahead!

 

[Rhino1]

First off, welcome! Next, well, you'r here asking about Buells, so you probably already have an affinity for these wonderfully unique bikes--that's a good start so you can narrow your focus.

An XB9 or XB12 will make an excellent commuter and be very easy to live with, provided you keep an eye on certain things: Keep the oil fresh (every 3,000 to 5,000 miles), use a quality oil filter, inspect the drive belt every so often. Inspect the primary chain ever so often. Inspect all reachable bolts regularly (these bikes vibrate some). Check the connectors, battery contacts, and grounds semi-regularly. And keep it clean (easier to spot trouble on a clean bike). These are all exceptionally easy things to do-and you don't have to worry about valve inspections/adjustments as you do with most other bikes (this is a significant savings in time and money when compared to owning a different type of motorcycle).

Many guys on here have tens of thousand of miles on their bikes with relatively few issues.

Good luck and have fun finding your bike!

 

[ReconLdr]

I have my bike insured through Riders Insurance. I have Full coverage, $50 deductable, Roadside assistance, Extra coverage for property damage/injury (100,000/300,000) and pay $188/year.

I'm 41 no accidents/tickets/DUIs for 10 years.

I ride my bike 155 miles per day weather permitting. (If it isn't raining and temp is above 40* F when I leave for work) about 1/2 that distance is highway. I ran my M2 and run my XB9s 75-85 MPH without issues for these distances.

 

[vance580]

When I looked for my first Buell I learned that S's are cheaper then R's for insurance. So if you are looking make sure the title says it's an S since there are a lot of conversions floating around. I commute everyday to school on an S and I don't mind it at all. Insurance for full coverage with towing was about 500 a year for a newb rider. Once I got my 1125 I had to switch cause I had progressive and it went up to 300 a month. I switched to Geico since it was right at a renewal point and didn't have time to call around and they were 80 a month for an XB and an 1125 which I can deal with till my next renewal where I will really shop around. I see the XB as a fairly reliable bike if you keep up with the maintanance. I've logged 17000 miles on mine in one year and had an oil cooler leak (still ridable while waiting for an oil cooler as the leak was slow), snapped a belt once (was showing major signs of wear), sheared a shift fork (was my major repair but doesn't happen to to many people and the previous owner tracked it so it was beat on pretty good), and wheel bearing failure (my fault miles were up there and I should of checked them). Only the wheel bearing and belt left me stranded. If you do wheel bearings every two tires and get a spare belt just to have a back-up you should be golden. I'm planning on running mine as commuter for the rest of my college career and maybe even after that depending on where I get work.

 

[deathandtexas]

Credit rating also factors in to it. And I believe the 1000 cc mark is the threshold for some hefty premium increases. As vance mentioned, the seating position would make insurance on the R more expensive than the S also I believe.

 

[ReconLdr]

The biggest impact to premiums (besides the driving record of the rider) is if the bike is considered a Sportbike (1125/XB12r/XB9r) or Sport Touring bike (Tubers/XB9s/SB12s/probably Ulys too).

 

[snrusnak]

I don't know, mine's an r and it's inexpensive...