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Discussion Starter #1
Hey Y'All!

I want to tell you that the cheapest scoot rates that I have found is Dairyland Insurance Co. My price quote for a 2005 B 400 is 158.14. Granted I am a female (sorry guys) and I have loads of discounts but this is the best that I have found. When I had an accident on my brand new Savage after only 50 miles 4 years ago, Dairyland smilingly paid me 2000.00+ with little hassel. I have, needless to say, sworn by them ever since.

Evelyn
Future Owner of my "Silver Queen"
 

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I use Dairyland as well. We have multiple cycle discount, multiple drivers discount, MSF course discount and homeowners discount. So mine with a $250 deductable was a great price for me.
 

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Evelyn,

I am also with Dairyland ... have used them for years. Is your quote for 6 months or a full year? Is that full coverage?

I actually have my FZ1 and Majesty with Dairyland and when I bought the scoot a little over a month ago they only added $35 to my policy for full coverage until May. I hope they didn't make a mistake because I really like that rate! For my little scoot, the 50cc Vento, I have Bluebonnet Insurance which runs $96 per year for full coverage. I was going to switch all the bikes to Bluebonnet, but Dairyland has been around for a long time, they are great with motorcyclists and the rates are not much different, so I will keep them for now.

I am really happy that the rates are low for scoots ... just makes it all the more fun to ride them everywhere!
 

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Discussion Starter #4
That rate was for a full year. I may have too much coverage though.
 

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Discussion Starter #6
Hey San Antonio!

I never even thought to figure out how much that is per month. I switch to 25/50/25 instead of the higher amounts that I have. I also have a 250.00 deductible which I might go to 500.00 to lessen the rate. Although with a brand new scoot that may not be a good idea.

Evelyn
 

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Evelyn wrote
I want to tell you that the cheapest scoot rates that I have found is Dairyland Insurance Co. My price quote for a 2005 B 400 is 158.14. Granted I am a female (sorry guys)
What's to be sorry about ? I've been in love with females all my life. :lol:
 

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Discussion Starter #10
Wow Simon I am so sorry you must pay so much for a Scoot! I shudder to think what a car costs. Are you guys that dangerous on the road that insurance is that high :?:
 

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Evelyn said:
Wow Simon I am so sorry you must pay so much for a Scoot! I shudder to think what a car costs. Are you guys that dangerous on the road that insurance is that high :?:
Motorcyclists in general here are being raped by the insurance companies. There are more and more companies that even refuse to insure bikes. I don't know if its the theft rate or accident rate. A few of the companies even have a black list of bikes they will not even consider covering. Surprisingly the black list mostly covers the super sport crotch rockets.
 

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Evelyn said:
Wow Simon I am so sorry you must pay so much for a Scoot! I shudder to think what a car costs. Are you guys that dangerous on the road that insurance is that high :?:
Believe it or not, that's a bargain here. Without my safe driver discount, and if I'd gone with the provincial insurance plan instead of private for my collision and comprehensive, I'd be paying about $1500. :x The last time I talked to a Harley guy, he was paying $3000 per year. So this was a major factor steering me towards the Burgman. The small displacement/scooter form factor/relatively low cost keeps insurance manageable here.

I don't have a good explanation for this situation. My theory is that too many squids have given motorcycles a bad rap.

Simon
 

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Yea, I think Canadians are getting hosed over on insurance rates. I pay about $120 per year for Full maxed out coverage on a 650, at Progressive Insurance. Those of us in the US are getting hosed over for health insurance, so maybe it evens out.
 

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Well, I'm a guy who's not getting any discounts on my full coverage for my Burgman 400, and I'm paying $48 a month through Geico, and I get 3 months a year free (they assume I won't ride in the winter... silly people).
 

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Sorry, I'm in Washington State
 

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It varies greatly from province to province in Canada. I have not been on a motorcycle for 10 years and have no motorcycle coarse. I do not get any kind of "club discount" and this is the only vehicule I have insured with these people. The 650 cost a mere $250 Canadian/year with full coverage and $250 deductable. This includes fire,theft,vandalism and collision.
 

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Discussion Starter #18
I now pay 168.00 per year for full coverage. I like that guy's rate in Wash. for 120.00 better though. I called Progressive and they wanted around 210.00 for the B 400 which I said "forget abouuut it"!!
 

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Farmers: $94 a year liability, no 'uninsured motorist'
 
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