The Honda PCX / Forza / ADV150 / SH Forums

hi everyone! my name is gilbert salvador, i just bought a new 2104 honda forza.
all i can say is it is amazing.


can anybody help me which insurance company is good and how much do you guys pay for it?

Congratulations! Where do you live? ( fill in your location)

i live in santa ana california, thanks you

I can only give you my experience. Insurance seems to come in to ways. One is almost entirely based on engine size so it can be better at lower cc size - annual premium is literally twice if you move from a 250cc to a 500cc. The other broad strokes method is to be a bit higher at lower engine size but climb less at higher engine size.
To further illustrate if will give you my case. I called my agent who does my house and car. As a newbie rider they quoted me $1,200 for a Forza. I tried State Farm who quoted me for the same bike $800 and I went with them. I enquired about larger bikes as I wanted a second machine of 650cc. State Farm were about $1,800 but my agent for car and house is $1,400. To be fair to State Farm I am told it would be dramatically different if the had my house and car.
Maybe this is all known to you but I put it out here anyway.

I think full coverage on my Forza here in Missouri is right at $400 annual. $200 for the PCX. (Progressive)

SECoda wrote:I think full coverage on my Forza here in Missouri is right at $400 annual. $200 for the PCX. (Progressive)

If I lived only 25 yards away (other side of the road) mine would be only $500 instead of $800. I get caught in a section of the city which has a high risk profile. It's a city of just over 6 million and I saw something recently where quotes for the same car, driver and driving record ranged from $400 to almost $1,400. Your driving record is much less of a factor than where you live. That's in Canada and I doubt it's a different system anywhere else.

I would call my immediate area small town/semi-rural. Low theft or vandalism and it seems most motorcycle accidents are single vehicle with hilly terrain being a factor and folks going too fast for conditions.

Hello Gilbert,
I live in Laguna Niguel, CA, not far from you.
I use Progressive and I have two scooters on my policy. Burgman 650 and Forza 300.
Total premium in $460.00 for both bikes

mikecalderone wrote:Hello Gilbert,
I live in Laguna Niguel, CA, not far from you.
I use Progressive and I have two scooters on my policy. Burgman 650 and Forza 300.
Total premium in $460.00 for both bikes

One word for that - WOW!

I looked mine up and it as as follows from Progressive. The deductible can make a big difference.

$100 deductible
Roadside assistance

2013 Honda PCX 150 $190
2014 Honda Forza 300 $400

What are your deductibles?

I have $100.00 deductible on my policy. I have been riding Motorcycles for 45 years with no claims. I do not include Medical on me, because I am covered elsewhere. I also do not include Roadside assistance because I have AAA which covers Motorcycles.

Ok Medical and Roadside takes mine down by $135 or $455. Same on driving record. I will have to see if I have that medical doubled up too. The roadside is only $20 of that. I found out that MedPay probably isn't a good thing to drop except in special circumstances.

My insurance broker mentioned all of the reasons I want to keep the med pay. Basically, though, if you have $5k cash ready to payout it shouldn't be necessary.

Mine will probably be higher because this is my first bike and first time getting a motorcycle license, ive been riding aince i was 16 but n in my home country lol

Mine is $265 annual premium with Foremost with $500 deductible. Comes with roadside assistance and med.

I thought about going with a $250 deductible. My premium is nearly the same as yours with the 500 deductible.

mine is 387 a year

Guys,

Quoting your insurance payment is an almost completely worthless exercise. Rates change based on dozens of factors, everything down to your zipcode makes a difference. Years ago, my vehicle insurance rates got cut in half when I moved a few miles down the road, because I was now in a 'safer' region of town. So unless you are comparing rates with your identical twin brother who lives in the same house you do, you're not getting any useful information.

bertybrate wrote:i just bought a new 2104 honda forza.

Wow man you must be a time traveler to go so far into the future to get that thing before anyone else could.

Do dinosaurs ever come back to life in the future?