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Being 19 sucks!

I dont go to school, i dont pay rent, and i have a job that pays me 600 bucks a week. I am a loss Prevention officer at Frys Electronics. if anybody comes in i'll try and get ya a discount! it varys from product to product but its usually pretty good.
 
shiryu said:
You people really need to insure your car with Farmers.
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I know 4 people who have had issues getting paid on claims from Farmers.

I had my own experience (bad) with Farmers, too.
I got renter's insurance when I lived up in the S.C. mountains. 2 months after I began to pay, they cancelled the renter's.
However, they continued to bill me. I went to see my agent, he said send the payments for the car insurance to him, so I did. After 4 months of this, they cancelled my car insurance because I wasn't paying the renter's.

DMV sent me a letter that my license was suspended due to no insurance.

The agent was lucky my situation was what it was at that time, or he probably wouldn't have been selling any more policies. :mad
 
It ain't bad, it just takes nearly a month to exchange phone calls and mail stuff back n forth. They compensated $8400 for my stolen bike.

brichter said:
I know 4 people who have had issues getting paid on claims from Farmers.

I had my own experience (bad) with Farmers, too.
I got renter's insurance when I lived up in the S.C. mountains. 2 months after I began to pay, they cancelled the renter's.
However, they continued to bill me. I went to see my agent, he said send the payments for the car insurance to him, so I did. After 4 months of this, they cancelled my car insurance because I wasn't paying the renter's.

DMV sent me a letter that my license was suspended due to no insurance.

The agent was lucky my situation was what it was at that time, or he probably wouldn't have been selling any more policies. :mad
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Re: Re: "Being 19 sucks"

Friggin Chi said:
oh 1 bad thing about statefarm..they don't cover medical..so make sure u have a good health ins provider
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:confused mine does. I called specifically on this a few months back before a track day I was planning.
 
Re: Re: Re: "Being 19 sucks"

squid vicious said:
:confused mine does. I called specifically on this a few months back before a track day I was planning.
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Thats odd do they cover you on track days? A lot of carriers don't cover bikes etc on the track. They say its not part of the contract.
 
Toe said:
i just went to look at the 2005 CBR600rr at concord motorsports, cause i am going to buy one. I talked to the guy and he said he could possibly get it out the door for 9,400. I was like ok sweet. i want the all black one, and he said they get them in on wensday. so i go over to progressive and i get a quote. cause i had insurance on my yamaha FZR600 there. the lady said cause i am finacing the bike i have to get collision and comperhensive, comes to over 4,000 dollars a year!
WTF, $4,000! thats like half the price of the bike. so i was like, well i dont want collison, cause thats way too much, and she said i have no choice.

I was thinking if i took a loan for $4,000 for a down payment on the bike, would i still have to get collision since i am not financing the enitre price of the bike?

god, i hate my damn life!
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9400 out the door!!! what the fuck=wtf I got those fuckin snakes to give me my 04 cbr 600rr for $8750 out the door last May No matter what you are screwed being that young. I also got financed at around I think 4 or 5 percent from my credit union. The fuckholes at AIS were giving me quotes of over $200 a month which was more than my bike payment and that was with over a dozen years of driving a couple of which I had my M1 and no accidents or tickets. Right now I think I am payin about $75 a month for Geico. I guess being older pays off sometimes. Good luck man!!
 
Toe said:
good news guys, i called USAA, cause they insure bikes in cali, and the quoted me 1470 a year for full coverage!!

so look out CBR600rr wensday i am buying you! hahah
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With that much money, you could save it and purchase a bike outright. By then you'll have some time under your M1 and your insurance rates will be lower.
 
Re: Re: Re: Re: "Being 19 sucks"

Capt Tripps said:
Thats odd do they cover you on track days? A lot of carriers don't cover bikes etc on the track. They say its not part of the contract.
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Maybe it was the wording, I said I was going to the DP safety school. You may be right about a proper track day. I'll have to look more into it in the future, thanks for the heads up.
 
farmer's sucks, i wouldn't mind burning one of their numerous buildings down, though thats just a joke.

if you finance a bike and there is a lien on the title then you must have collision etc, ie. the most comprehensive insurance available.
 
stillart said:
if you finance a bike and there is a lien on the title then you must have collision etc, ie. the most comprehensive insurance available.
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Yup, just like a car, you have to have Full Coverage. You can ask your insurance company if you want to know the minimums to satisfy the full coverage requirement
 
Re: Re: "Being 19 sucks"

Friggin Chi said:
oh 1 bad thing about statefarm..they don't cover medical..so make sure u have a good health ins provider
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No insurance carrier will offer Med Pay on a motorcycle policy :(
 
Toe said:
I am a loss Prevention officer at Frys Electronics. if anybody comes in i'll try and get ya a discount!
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A five finger discount :confused




















:twofinger
 
Re: Re: Re: "Being 19 sucks"

squid vicious said:
:confused mine does. I called specifically on this a few months back before a track day I was planning.
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what medical are we talking about? your medical expenses in the event you get hurt due to no one else's negligence? That would be med pay, and no carrier will write those for MC policies.

If you hurt someone else? That's liability coverage to a certain degree.

If you get hurt through someone else's negligence, or if the other person does not have enough coverage limits? That's what uninsured/underinsured coverage is for.
 
Re: Re: Re: Re: Re: "Being 19 sucks"

squid vicious said:
Maybe it was the wording, I said I was going to the DP safety school. You may be right about a proper track day. I'll have to look more into it in the future, thanks for the heads up.
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Most carriers will honor a collision claim due to an incident at a trackday or a track school, they will deny claims if the incident occurred at a "timed" or competitive event.
 
You can try my solution: Buy a 1982 Nighthawk 450 for $400 off of Craigslist. No financing necessary.

Collision? Nah, I'll just buy another one.
Theft? Nobody wants to steal it anyway.

Hard to keep up with my brother's TL though...
 
stillart said:
farmer's sucks, i wouldn't mind burning one of their numerous buildings down, though thats just a joke.

if you finance a bike and there is a lien on the title then you must have collision etc, ie. the most comprehensive insurance available.
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If you buy a house with 15% equity, do you have to maintain the same amount of insurance for the life of the loan?
 
I'm sorry to hear how sucky being 19 has been for you.

Looks to me like you really have your sh1t together financially, so there's really no reason whatsoever not to get that sweet-a$$ bike.

kudos, wise investment ;)
 
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