Friday, June 25, 2010

Honda Motorbike Insurance Saving Tips


If you are going to ride a motorbike, you need quality cover for those "just-in-case" moments we all have in life. I found the best Honda motorbike insurance rates by utilising some tips and tricks I learned over the years, and by employing good old common sense. I built this blog to share those tips, tricks and common sense with you, because, let's face it: when it comes to our toys, some of us can be a bit less than brainy about our choices. And what is good for my Honda, is good for any two-wheeled fun-machine. So don't let the name fool you, we are gonna cover all the brands eventually.

Failing to find good Honda motorbike insurance can stand in the way of getting your brand new Honda. Even if it's a used motorbike, it's still brand new to you. This was almost the case for me.

I had my Honda 2007 CBR 1000rr picked out. I knew this was the bike I was going to get the moment I laid eyes on her. She was beautiful. I didn't have a lot of extra money at the time so I had to figure out creative ways to save money where I could.

I waited until Honda released their 2008 model, which was a complete redesign. That way I could walk in and talk the sales guys down on the price to get the old stock off of their hands.

I ended up saving $3,000 off of what the dealer was originally asking. I was so excited to be getting a new motorbike that I was forgetting about making sure I had good Honda motorbike insurance in the event that something bad happened. Again. I had a previous bike stolen but that's another story.


I called the same people I had my auto insurance with and I was given a quote for $4600 per year! Can you believe that? I was only paying $10,000 for the bike. In 2 years with saving that money I could buy another bike. When did Honda motorbike insurance get so expensive?

I was told that because it was a liter bike and that I had 1 citation on my record that the price was set high.

Find Another Solution or Get a Bicycle

I called several other insurance companies and got similarly high quotes. I kept calling and I kept searching the internet for the cheapest Honda motorbike insurance so that I could be racing through the streets by the weekend.

I was getting frustrated because all of the quotes were so freaking high. There was no way I could afford to even get the bike with rates like these.

The Random Thing That Paid Off

I don't know why it worked. It's really simple and it is going to seem really dumb. But let me explain WHY it helped me.

Hold your breath, here's the secret…

I filled out an online Honda motorbike insurance quote request, that would check several different insurance companies for me. It was all of the same info I had already been giving everyone else on the phone. It just saved me some leg work.

Within minutes reps were blowing up my phone to sell me Honda motorbike insurance. They already had all the info so getting the actual price was quick and to the point. I got 2 quotes that were in the same range as the others…high. Was this just another waste of my time?

The Winner!

The 3rd call (3rd times the charm), was from a rep at the same insurance company I called in the very beginning. You remember $4,600? Yeah them.

I said, "Thanks anyway but I already got a quote from your company for Honda motorbike insurance and it was crazy expensive."

He was quick to jump in and say "Well before you go, would you mind if I checked my system real quick?"

"Sure, knock yourself out."

A short pause and then, "How does $450 for a 6 month policy sound? $900 for the year."

Sounded like it was too good to be true. I repeated the information about my bike and myself to him 4 times to make sure there were no errors. But every time, it was the same price.

I got his number and I called my auto rep back and told her what had happened. How could someone within the same company be able to give me the same Honda motorbike insurance with a rate $3,700 cheaper?

She couldn't explain it and she couldn't match it. I called the other guy back right away and told him to set it up.


My Honda Motorbike Insurance Rate Today

Thanks to careful safe driving practises, I still have the same low premiums that I was first offered almost 2 years ago. Despite my being in a crash (not my fault!) where I had been run off the road. The bike was completely destroyed, but I was able to buy the exact same make and model again, thanks to my excellent Honda motorbike insurance cover.

If you want to keep serious money in your pocket, instead of spending it on poorly priced Honda motorbike insurance in the US then check out this site: comparehondamotorbikeinsurance.com It is an up and coming web site dealing with all aspects of motorbike insurance.

Currently my link for my UK and AU riders is down. I should be able to find out what happened to your Honda motorbike insurance deals within the next couple of days.