Alarm vs. GPS vs. Full Coverage insurance

[CrusherCurtis]

Living in Chicago I'm concerned about my bike being stolen. Not when its home in the garage, but when I'm out. So I'm not going with chains or anything.

What is the most cost effective way to protect it?

By cost effective I don't mean cheapest.

If I did get full coverage I'm 26, don't own my home, clean record on an 09, but I'd only need it for 6 or 7 months.

[noahb]

So you only need your bike to be protected for the next 6 months? Why not just keep a careful eye on it when your out? Even the best security system won't stop some random deushce coming up and trying to sit on it or fuck with it.

full coverage would cost you out the ass, but would insure your replacement if it doesn't come back to you.
As for alarm/gps, I'll say this much. I went to Indy for the indianapolis motoGP, got fucked up, way too drunk to ride(even walk..) so I left my girl in the heart of downtown one night, actually left my jacket and helmet strapped to it too. I whole heartedly believe if my bike didn't have a perimeter sensor on it, that my jacket would have been lifted and maybe even my bike..so for the 3-400$ I spent on my SR-i1100 or whatever, that has a shock/tilt/perimeter/and gps, has IMO already paid for itself.


"Do or Do not, There is no Try"

[CrusherCurtis]

Hmmm. I'm going to look into that alarm, but yeah I would only need full coverage for about 6 months out of year since the other six months it will spend its time sitting in the basement.

[noahb]

Oh, yea I feel it I'm the same way. From November to January-February i don't ride, but it's actually cheaper for me to pay for the entire year upfront.


"Do or Do not, There is no Try"

[numbafree]

I have the scorpio 2 way pager alarm. very nice. scared some of my co-workers with it, as it has a 3 stage shock sensor. i900 is the model. It's about $300 with all the bells and whistles, and you can find them used.

I actually have 2, one for each bike. our cbr's take less than 1.5 minutes to hot wire, allegedly.

anyway I ended up taking both alarms off, partly due to the battery drain. Also, I just watch my bike like a hawk when I'm out. If I was to go out to dinner you know, be away from it for 2 hours, I'd prolly throw the alarm back on, or just drive my car.

[TheX]

For me, not having full coverage is NEVER an option. If my bike get stolen, I want a new one. I don't care how good your alarm is, or how well you watch the bike. It can be gone in a couple of minutes.

[GligorovDimce]

Full coverage!

[noahb]

Originally Posted by TheX

For me, not having full coverage is NEVER an option. If my bike get stolen, I want a new one. I don't care how good your alarm is, or how well you watch the bike. It can be gone in a couple of minutes.

Very true, I just hate how it sky rockets after you input any claim


"Do or Do not, There is no Try"

[numbafree]

I do have full coverage. but usually accessories, standard coverage is $3500. that actually might over my 1krr, but not even close for my zx6r. and yes, full coverage is great, but who wants their bike stolen.

[RC-DEVIL]

man idk how u guys are affording full coverage. my 06 r1, 09 1000rr, 01 rc51......just the cbr was 3800$ a year full coverage......dont even ask about the r1 lol