insurance classification category

[konarider94]

Ive searched and come across a couple of threads about this topic but it always turns into how much everyone pays for insurance. I do NOT want to know how much you are paying lets not go down that road, but how do they classify your bike. Autoowners tells me that my XB12s falls into the "high performance" category. I questioned it with my agent and she said the underwriter says they refer to traits such at top speed, fast acceleration, plastic bodywork, wide rear tire, high footpegs, and increased handling.

I was thinking of showing the differences between the firebolt and the lightning to get them to classify mine as a standard. I want to stick with auto owners because I have everything through them, car,bike, home, personal liability which become beneficial.

 

[Kooma]

My insurance classified it as a super bike??? my prior bike was a Triumph TT600 and was classified as a sport tour bike, when I picked up the 12R my insurance went through the roof...

you pay to play I guess

 

[konarider94]

you pay to play I guess

Yea Ive had the bike for 6 years now. I havent payed attention to a lot of bills in the past. I just pay them as a fact of life. I want to at least try to knock it down a category. Worst they say is no.

 

[cjanderson_90]

Mine is classified as something other than what you guys are stating. This is the cheapest bike ive ever insured. Cheaper than my ZX-6R by a long shot and cheaper than my V-Star 1100

 

[Shawns]

My insurance agent AKA my wife doesn't know. We just get a discount for being home owners and having auto. I use Progressive for my bike and it's $336 with full coverage and a $250 deductible. My coverage has higher limits than most.

 

[pur pony]

im not sure on mine either... looking online it just says its under specialty auto

 

[JayDuke]

May not be the same but last time I checked on mine it's about engine size along with the factory classification.

 

[fishxb12]

I had a 04 12s, wrecked it. Rebuilt bike with a 03 9r frame. My insurance is a couple dollars a month more now because state farm considers the "R" a sport bike. The "S" was a standard.

 

[konarider94]

Thanks for the replies. This is one instance where it sucks that no one knows what a Buell is.

 

[lawdog]

I am through Geico. $101 a year. $250 deductible. Full coverage. $250,000 / $500,000 coverage. 2009 Firebolt. My policy does not specify what "type" of bike it is. Clean record. My homeowners and car is with someone else because it was cheaper then Geico.

 

[konarider94]

I really don't want this to turn into a what you pay like I said originally. It varies so much state to state that its not a fair comparison. Ever state has unique insurance laws. Especially since I live in Michigan which has the highest premiums in the nation. This was to help me figure out how to reduce my rates in the one area I saw an opportunity.

My insurance is a couple dollars a month more now because state farm considers the "R" a sport bike. The "S" was a standard.

This is exactly what I was looking for. A couple dollars a month is probably not worth me chasing any further.

The only thing better is if someone out there with auto owners tells me they have a buell that classified as a standard.

 

[Matteson]

super bike. More expensive than my zx10r.

 

[mrlogix]

1125R, insurance same as lawdog. Live in Ohio.

 

[DSHUMAKER]

My xb12ss is classified as a cruiser by mine I have shelter insurance it something like $8.00 a month.

 

[thrstrmech]

standard, less than $200, full coverage for the year

 

[DougH]

Good god my age must just kill me on insurance. In ohio under progressive im paying like $125 for low end liability and under-insured. Full coverage was like $1300 for my 07 Firebolt 12R

 

[konarider94]

I really don't want this to turn into a what you pay like I said originally.  It varies so much state to state that its not a fair comparison.  Ever state has unique insurance laws.

 

[DougH]

Ya ya I know I was just making a comment compared to the few others. It looks like for me progressive just goes by CCs or something. On the policy it lists the name of the bike and 1203cc

 

[1badtitan90]

when they initially did the paperwork on my 1125cr they had to go under harley davidson to find it.. was paying like 32 or 33 bucks a month. had some things in my life change so i called recently to see if we could lower the monthly payment on my house, truck, bike, or others cars, and they informed me of some things that i was paying for on the bike. Such as hard saddle bags, extended windscreen, and excessive chrome package.. i couldnt stop laughing.. i said i will be in to show you the bike.. long story short.. i now pay 13.45 a month.. American Family Insurance