The 7 COSTLY Beginner Rider Insurance Mistakes (Bad Idea...)

[@yammienoob]

Get a free quote to see how much you can save on your motorcycle insurance with Progressive: pgrs.in/3q321NK

[@rapidicus6487]

no headlight mod. when? ( ͡° ͜ʖ ͡°)

[@wicked6826]

I really thought oh heck why not I'll try it out. 2 bikes 2012 CB1000R and a 2003 Harley..... I'm saving around $700 or more a year now.... you're the best papa Sam-yam-bam.

[@2WheelPursuit]

Progressive is great! I save about 1K per year on my 3 bikes with them

[@gulfcitynd]

I'll stick to safety insurance full coverage for a good price

[@gulfcitynd]

@@2WheelPursuit my insurance is not even 500 a year and I have full coverage to boot

[@hondarider436]

Myth #8: Progressive has great rates. 😂

[@indecentchords]

Idk… I have 4 bikes and only pay 62$ a month. 2017 Chief Darkhorse, 2017 Scout, an Intruder and Shadow. I thought that was pretty fair.

[@hondarider436]

@@indecentchords for me at every renewal, they PROGRESSIVELY went up. Not a little bit either.

[@briandorner7736]

who would you recommend using?

[@zacharykubsch5073]

Exactly, i got quoted over 20 grand a year for a 600, no thanks

[@thisisforonecomment]

@@zacharykubsch5073I chose the same coverage options with GEICO and progressive- GEICO was half of progressive

[@craz107]

Weird that none of these really discuss saving money, rather pushing you to spend on insurance. It's almost like it's sponsored by an insurance company and can't be taken seriously

[@highplainnsdrifter3050]

👍👍👍👍👍

[@akeemjackman9582]

Facts

[@bravobob1]

When I insured my Ninja 250 the agent asked what kind of motorcycle is it ? I said it's an Kawasaki ex250. She said "Oh a Ninja !" I said , we don't say Ninja to insurance agents ! She laughed out loud and said ok its an ex250.

[@TheG60528XiJinPing]

Did you know that a turbo Hayabusa could cost you 15% or more on your life insurance?

[@altortugas5979]

Turbo busa, turbo busa, turbo busa!!!!

[@eddiesmith3942]

Those coverages are for Texas every state has different coverages

[@SpaceCadebt]

They stated that they're for Texas. They were transparent about it.

[@303MoTo]

You forgot to mention how your bike is classified by insurance will affect the rates. A $13k "Sport-bike" will run you $150 a month, while a $25k "Cruiser" can be as little as $350 a year. I ditched my Triumph Daytona 675 when rates got to $200 a month. As a married, old guy with no accidents that was unbearable. Now I have a Triumph 765 Street Triple RS, basically the same bike and pay $325 a year. Get an insurance quote before you buy the bike!!!

[@kalstonii]

One BIG point: if youre like me, you dont ride all year. So ask your motorcycle insurance if they have whats called “storage”, where essentially, you have a bare insurance plan and its expected that you arent riding. I do this in the Fall to not pay the premium price for the winter months. I did this with a couple cars I own too. My motorcycle is stored in a garage

[@ThatGuy-gb5se]

Living in Texas I have full coverage with a higher policy limit then the crappy state minimum. The roadside assistance is totally worth it at around $15 a year. Plus the number of times I’ve used it. Make sure you save up when your new policy starts I usually save 20% by paying in full.

[@KayY32]

Progressive towing left me on the side of the freeway for 5+ hours and sent the wrong type of truck at the end. Ended up just riding on the rim to the next exit with chp making sure I didn't get run over.

[@altortugas5979]

This episode brought to you by Carl’s Jr.

[@LarryMusgrave]

I'm paying $1450 a year in a 2018 Concours C14 with Erie insurance in Pa. I just did an online quote with Rider insurance and it was $775 a year.

[@davidperry2856]

Spite, is that a flip phone in that holster on your belt? Tell me it's a multitool.

[@FirstnameLastname-qc3xx]

I have insurance, registration, but I don’t have an endorsement. And not by choice. Since covid I literally can’t get a permit or even sign up for a MSF course. It’s insane. I’ve been trying for over a year. The government is a joke. Website is like attempting to crack the da Vinci code. I gave up. Just learned on my own and from channels like this how to ride safely. I can proudly say I’m a smart rider.

[@joewwilliams]

literally went to the DMV for my permit a few weeks ago and was in and out in 15 min.

[@richardhardin9184]

I took the MSF course during Covid-19 in Ohio and got my motorcycle license after passing the course. I am not sure where you live but you should be able to take the MSF course any place anytime now.

[@arminikonic566]

Honestly you can tell the agent you took your msf course and they will apply it. Also say you had more then a yesr experience driving. Mine didnt even check or ask any more questions.

[@sythex92]

Step 1) Get state minimums. Step 2) Tell them you passed the MSF. Step 3) Save 15% or more by switching to Geico. Step 4) Literally pay $15/mo for insurance. Step 5) If you get into a wreck, make sure you were not the cause, and you did not hit somebody else. You can't be at fault if you want a new bike out of your wreck. Step 6) ^ Welcome to USA insurance.

[@kalstonii]

As someone who got hit by a driver without insurance, I will tell you not to get state minimum. Because the hospital stay will be much better when you can afford the full cushy benefits. I wasnt able to walk for 2 months, so safe to say I had some time in a hospital. Also covered my outpatient therapy so I wasnt just sent home unable to walk

[@mikep1569]

This is me except I didn't get in a wreck yet so far. I'm paying $16/month for my insurance.

[@benmiller6599]

I dont know how it works w/ Texas banks but everywhere else if you have a loan on your ride the bank/credit union REQUIRES comprehensive or "full" coverage & if you don't prove you have it they add the cost of finding it themselves to you payment

[@michaelsanchez8519]

I’m 32 yo. I have a commercial drivers license and haven’t had an auto accident in over 10 years. I ride a 2020 Yamaha MT03 and I use progressive as my insurer. I pay about $60 a month for basic coverage. What is everyone else paying?

[@rustypotatos]

The greatest scrambler to ever be created right there wow. I’m blown away

[@FRWD_FXLRST]

Just got quoted $632 a month for two bikes. 😂😂😂😂😂😂😂😂

[@Vibrotronic]

My State Farm policy for five vehicles with full coverage was somehow cheaper when I added my bike. The bike is a 2019 GSX-S1000FZ. The policy was only cheaper because I added a hospital plan with it. (Which pays $500/day and somehow, also LOWERED my insurance “premiums”)

[@topx2698]

I’m planning to buy a kasasaki zx6r 2023 but I recently moved here in US last 2020. both geico and progressive quoted me around 3500-4000 yearly. 😢 I’m 28 years old and I got my M1 license last 3 weeks ago

[@brycemccarthick4396]

I got a quote on an r6 for comprehensive with a clean driving record for 12k a year

[@bryanhyde2709]

Bless me, Papa Yam!!!... Greetings from 🇭🇳 Honduras!!!...

[@tshadow6]

Insurance is worth it! I’ve used my insurance provided roadside assistance twice in 18 years of riding. Nothing is worst than a dead vehicle on the side of the road.

[@natecote1971]

In 2007 i was 17 i bought a 06 r6 and paid $165/mo for full coverage now i have a 22 s1000rr carbon and only pay $38/month for full coverage lol and i NEVER get the minimum I actually getvthe nost coverage for everything! getting old sucks but it has its benefits! Lol

[@LazFX06]

In Hungary the insurance cost a 110 usd per year with a fresh driving licence for an import yamaha r1 😊 in the UK and in the USA insurance companies rip off their clients ! Ok the salaries are significantly lower but still it takes only 1% of your monthly income to pay your monthly insurance!

[@felixthecat9391]

Hey, I had a question if I was to buy and finance a bike at a dealership without my license, would insurance be more than me getting my license first and then buying the bike so that they see that I have my license?

[@telefunkenyou47]

I have Progressive auto insurance. (Liability) I thought they’d add my new CRF300L on the policy since I can’t drive both at the same time. Wrong. I had to get a new policy separate from my auto. But it was $20+ a month so whatever. I am going to talk with them about getting more insurance if the price sound reasonable. Also I will see if I can get the car insurance cheaper because my driving has decreased 50%.

[@DesignatedMarksmanRonin]

1:50 can't lose your licence if you don't have one 😉

[@needparalegal]

I grew up in Wisconsin. I never had insurance, it was not required when I lived in Wisconsin.

[@motogoon]

Insurance where I live is insane around 250-500 dollars a month for beginner bikes, that is based on my age but it’s still expensive for someone with more experience.

[@fatbongripz4207]

my Grom is only $250/6 months at age 27

[@topx2698]

same

[@CaptainJacksIsland]

Holy Rossi, my speaker volume wasn't prepared for that intro. Gave me a basic training flashback.

[@miguelgarcia8455]

Isn't it better to save the money that you would pay on insurance on a separate bank account in case of any accident you can use that money to pay for the costs instead of paying to a company that can arbitrary approve or refuse to pay.

[@4244john]

How is this an ad for Progressive? Lol y’all so salty. A lot of this info can be found if you take the time to research it, but it’s been nicely covered by yammie. Also, the screaming in the beginning gave me that lawyer commercial vibe with the “444-444-4444” 😂

[@stillcantride7159]

“Say you’re from Texas without saying your from Texas”

[@TheFriendlyEyes]

Progressive sucks i tried getting insurance and had to pay extra for any protection otherwise i get fucked and pay for nothing

[@bajacore]

The quirkiest thing I’ve seen so far is a quote through USAA (Progressive underwrites) that was $30 cheaper a year vs a quote directly from Progressive with a multi policy discount (which is my current policy through Progressive). But if I do the same multi policy bundle through USAA, it’s $20 more a month than Progressive. I can’t make any sense of it. TL;DR - Motorcycle insurance is cheaper through USAA (Progressive) than through Progressive directly.

[@godinminaar9024]

Clean driving record, 21 390cc Duke, full coverage, new rider, $78p/mos, SafeCo insurance. IMO insane.

[@aaronziff8434]

When bundled with 4 cars and a house I am only paying $1.50 per month more than I would if I didn't own a motorcycle. That's full coverage on a 2021 Z900

[@rasmus1600]

When i bought my first bike (chinese 125cc), the insurance from the previous owner was sent to me, calculated with me being a new rider and all, the total price for ONE YEAR was $2984 USD. I'm legit not kidding, i gave $720 for the bike, without the owners transfer payment of $100. This is in Denmark so the prices for all vehicles are a bit higher than in the US, but that was a crazy price to see. Now i pay $540 for one year of insurance and that could still be lowered a bit more.

[@allana4820]

WOW, I pay under 100 bucks in the america for full coverage with$ 50,000 medical and theft for the entire year for a 125cc bike. I also have over a million miles of safe driving as a over the road truck driver, probably why its so cheap.

[@dylanbaker8188]

I work at Allstate here in nv every bike for anyone. With a clean record liability is $110 yearly

[@theduffman441]

This is all bullshit! I signed up and took the MSF course because I thought it would save me money on insurance and technically he was right.. After I finish my course I called my insurance agent told them everything and they gave me a rebate check of exactly one penny!! No joke I swear to God that's what I got back.

[@smokeyjayshouse]

Comprehensive only saves you.If you're the one that's at fault for the accident

[@Smilldon]

I just got quoted $4,978 a year on a yamha r7 with progressive 💀

[@bernielomax4859]

Have you guys done a vid on Victory bikes? Can you get them down there?

[@303MoTo]

Victory was bought by Polaris, and now marketed as "Indian Motorcycles". The Victory Octane became the Indian Scout etc...

[@ExpectoDeleto]

@@303MoTo Not exactly. Polaris bought Victory and Indian, and they closed Victory and invested in Indian.

[@303MoTo]

@@ExpectoDeleto- right on, I knew it was something like that

[@ExpectoDeleto]

@@303MoTo it's really unfortunate, because Victory were the only company trying to legitimately make a modern, 21st century cruiser.

[@one.crafty_boi]

Tbh, just feels like a commercial, lol, rip yammie

[@esk8jaimes]

Insurance policies for electric motorcycles are quite biased too; pricey.

[@c_wonder]

My MSF course saved me $3 a year on my policy.

[@beastmodegaming3440]

lmao

[@FraeschD]

Another Video that i'm too european to understand.

[@wendylynn4318]

You paid $200 for heated grips? Mine were 50 bucks and I've been using them for 6 years without a problem.

[@smokeyjayshouse]

Your insurance will not pay for all your add-ons and performance upgrades.

[@youtubecomment2874]

Ok an insurance video sponsored by an insurance company?! And the video was actually helpful?! Yammie out her getting money!! Let me hold $5!

[@sethmoniz4804]

Who will break 1 mill first Yammie or revzilla?????

[@benho-shing8950]

Thank you father yams

[@dandavidson9030]

Great video. Nobody ever talks about insurance.👍

[@MrFurley69]

Geico had the best bike rates for me, and progressive was going to jump my car insurance 30 a month for no reason, so I switched to USAA.

[@bleh8310]

I have my car on USAA, but progressive (which is through USAA) quoted me $130/mo for full coverage on my FZ09. State farm matched the policy for $70. That's a saving of $50 to not bundle, versus the $20 I would've been discounted to bundle.

[@MrFurley69]

@@bleh8310 gotta go with whatever is best! Progressive was good for my car, until they decided I wasn't paying enough lol

[@bob8086]

Always remember to bundle kids

[@Z900Ethan]

In michigan, a no fault state, no matter what insurance you buy, its going to be pretty expensive..especially if your under 25. I have my 2021 Ninja 400 with full coverage through progressive and im paying about 2k a year. Cant imagine having a Supersport at my age lol

[@movingnaturefilms]

I pay $20/month on the same bike. Geico is cheaper, no matter your age.

[@Z900Ethan]

@@movingnaturefilms for liability or full coverage?

[@TypicalMT]

The real Texas Hammer

[@stillcantride7159]

I understood that reference

[@redswift31]

Insurance is 100% a scam...until you actually need it and realize that it's actually great to have. Though my Insurance is a bit higher because I'm 23 and I hate that.

[@c_wonder]

i don’t know about a scam but definitely crazy expensive. but again I pay a small premium and in return am covered $300,000 in damages or injuries to others. Yet I’ll never know if I’ll need it

[@Burt1038]

Property and casualty insurance typically only pays out half of premiums collected in claims paid. So yeah, it is pretty much a scam. No one in their right mind would agree to such an arrangement unless they are crappy drivers. That's why the government has to force everyone to buy it: to avoid the self-selection bias. On the other hand, if it wasn't for the insurance industry, there would probably be a lot more road fatalities (and therefore, more losses) as they are the primary advocates for safety.

[@StoicWei]

Lame video. Save your time, it’s a commercial for Progressive insurance.

[@MonstaFreak13]

But yammie, im not trying to save on insurance, im trying to burn a hole into my pocket, ijdk whether to get a tuono v4, a 2nd gen busa, or a 2020 S1000RR

[@dylanchumley9841]

Thank papa yam

[@hoodedr6]

Always say it’s kept in a locked garage

[@upperjohn117aka]

I am that guy who is 22 who had a dr650 gifted to me its not even a powerful bike stock and i gotta pay 5k a year

[@fatbongripz4207]

not a powerful bike? lmao it can go up to 120 mph that is fast. its no R6 but it definitely powerful. I am dealing with a max speed of 55 on my grom.

[@Clawzz299]

Holy baloney! 10$ for some screws? You got screwed, my man!

[@teambenjamin1]

What about dropping your insurance to storage coverage during the off season if you live in an area where you can’t ride in the winter?

[@dustin4434]

They have it set up where you can't do that so we pay for couple months we can't even ride

[@teambenjamin1]

@@dustin4434 where do you live, I live in Michigan and you can drop the insurance to storage only for the winter months.

[@dustin4434]

@ben ducharme Pennsylvania I'm almost positive we half to pay it I will ask them about it and hopefully will save cause the cost for comprehensive is insane I'm new to this picking bike up next month so if I do save thank you but I think it's for the full year

[@teambenjamin1]

@@dustin4434 it could be that you have to pay for full coverage all year if it’s financed. That would be required by the bank maybe.

[@mova_2020]

No insurance company is worth it guys do NOT listen to. Just ensure you have a good coverage for liability. Better not to pay your hard earned money to these insurance scams

[@MrPeter0028]

I just watched a 10 minute progressive ad

[@vector198]

I mean... you didnt have to, you could have stopped watching at any point.

[@jppitch6734]

I stopped after 4 minutes. Progressive is not only NOT competitive in pricing, they also do their damned best to not payout valid claims, either. Almost as bad as State Farm.

[@vector198]

@@jppitch6734 thats all insurance companies not just them

[@jppitch6734]

@@vector198 Never had an issue while I was with Country for over a decade or now back with All State.

[@AlexPerkins252]

Ironic, Yammie is sponsored by my insurance provider

[@unnf9971]

Wait. This is an ad?

[@benmiller6599]

Mention yammie get a discount. Yammie gets a kick back

[@joonius]

Why did this channel just become an insurance ad

[@starlordnetzero9633]

Progressive commercial

[@TheKyleSaurusRex3388]

Pretty stoked for next week’s sponsor video for manscaped: 7 Ways Not Shaving Your Nuts Can Make Your Wiener Fall Off

[@LandoB]

This video came out 5 days after i bought insurance on my bike

[@MadaraUchiha-fg6pz]

I’m doing 160mph no police catching me😂

[@michaelg6223]

The first half of the video : sponsored The second half of the video : a literal advertisement

[@fatbongripz4207]

"it costs more than my DRZ 400" Little does he know that used DRZ400's are selling for almost $6,000 now 😂

[@dopeytripod]

IMO get a bike you can afford in the 1st place. get a bike you can pay with CASH so there is no financing.....

[@opensource296]

Great video guys. Thank you

[@yess6783]

I think the best tip for a young guy is to get your dad to get it for you. Saved $1500 a year

[@TypicalMT]

This^

[@TypicalMT]

Or your brother in law be an insurance broker😋

[@altortugas5979]

Get a million already!

[@jakisamalone9837]

ONE HUGE COMMERCIAL 🤬

[@altortugas5979]

Subscribe, you fools!

[@moatazibrahim3907]

Why don't you make a video about bikes that the rest of the world gets like here in egypt 99.9999% of bikes are Chinese 150-200 CC bikes?

[@fatbongripz4207]

they're very unpopular in the states 😂 I have a Chinese made grom clone and it is such a headache...

[@murraehaynes3182]

How about stop saying “accident” and start saying “incident”…an incident is preventable, and accident simply happens…

[@fatbongripz4207]

its the same thing. its like comparing the spelling of potatoe vs potato

[@murraehaynes3182]

@@fatbongripz4207 an accident is an accident…an incident can be prevented

[@murraehaynes3182]

@@fatbongripz4207 or, I’ll put it another way… in an accident you’re screwed….in an incident, you screwed up, usually by not paying attention or getting in over your head…

[@ethanvandyk4029]

Hi i need a bike and dont now what wane to get i am 17

[@dramoriga9161]

Look up his other videos, there's loads on ideal beginner bikes

[@gravity7208]

he is lucky his mommy is not too big or is she

[@hectornunez-ayon1046]

Waste of time smfh!!

[@dustin4434]

👎

[@GeemailMailboxx]

Just read the complaint reviews on different insurance companies. That'll get you to the best company. Price is relative. This boob is Wrong on so many levels. 🙄

[@chrigix8]

Ouf, I don't know how I feel about an episode about saving money on isurance sponsored by an insurance. Seems like a conflict of interest to me!

[@nicholasrichards6386]

I was thinking the exact same thing when I saw that it was sponsored by progressive..... The end of good content from yammie? maybe so.

[@yammienoob]

Did you watch the video?

[@chrigix8]

I did, I think there were a lot of good points made, like looking out for new deals on policy, but in general I think there was a lot of fear mogering to buy additional insurace, which would support my conercerns. In the end, I don't know how much influence your sponsor had in the making of this video, so I guess it is up to the viewer to decide what they want to do with the information given in the video.

[@yammienoob]

@@chrigix8 Correct - it’s a video discussing common beginner rider myths about insurance. Progressive doesn’t have any creative or production input besides making sure we accurately report anything about their business. It’s a video that hopefully provides value to new riders looking to be penny wise and pound foolish when it comes to insurance. Hope that helps clear anything up

[@chrigix8]

@@yammienoob I get what you are trying to achieve with this video and I think there would have been a lot of valuable information, but as a viewer you can't ignore this is a video about insurance sponsored by an insurance company whose traget demografic is your viewership. Why not make an independend video about the topic? There has to be a lot of freely accessible information around to get the same facts.

[@jakehaefner7372]

Progressive must have paid yall a pretty penny to up sale their insurance, liability on my bike with progressive and un insured is 400 a year, slap comprehensive on that bad boy or gir and boom 3500 dollars a year, i have a speeding ticket from 2018, if I don't wreck for a year and a half I'll make my money back for what I paid for my bike. Ngl I like this channels content but this is definitely just a 10 min ad, no thanks.

[@RogueMiamiAirsoft]

I just picked up my first bike today. Ktm 390 adventure! And dropped it as soon as I got home. I hope your proud of me yams

[@akeemjackman9582]

You are a fool

[@Cat-nr7il]

Lol

[@demonic87]

Not one tip to save on insurance has ever been true for me in Ontario. I pay $210 a month for my GSX S750, nothing changed when I aged past 25, and the MSF was literally a requirement to get insured, and still only 2 out of 10 insurance companies would even look at me for not riding a cruiser and being over 35. Perfectly clean driving record for over 10 years now. Insurance IS a total scam and the only reason I really have it on my bike is because I'm required too.

[@MissyMalaprop]

yeah... its sad... they take every penny they can then fight you for anything... and any issue and they raise the prices. They offer me a MSF discount and warned me that it was about to expire 3 years after I hadn't taken one. I checked with them and they were going to take $50/year off and the course is good for 3 years again... it cost me more than $150 to take the course, talk about a loss of money. They didn't seem to understand that no matter what I explained. Isn't MSF to help people be better and less likely to wreck, but you want me to lose money to do it? "but we are giving you a discount." 🤦‍♀️

[@pocketoniofficial]

Same exact case here. 31 year old new rider and almost no one will give me a chance. Progressive is literally ONLY giving me a plausible rate because I'm a usaa member. Without the member number, I'd be at a 6k premium.

[@rickdixontn]

Really just a commercial for Progressive. The most important aspect of motorcycle insurance is not really replacing your bike or providing for roadside towing, but keeping you protected from getting sued if the accident is your fault. And you should have other health insurance because Progressive is not going to pay your medical bills in full you get seriously injured.

[@jamesschaffer5504]

A lot of businesses will get you to sign up and then slide your premiums up arbitrarily hoping you don't notice. So one of the best ways to save money is to just swap out your insurance everyone once in a while or get them to price match.

[@Cat-nr7il]

Yep same with cable TV, Internet stuff like that, good advice

[@DonJ.]

Save 15% percent by switching to Yammi 😂

[@jerryglennie5375]

Save 15% off you lap times by switching to the lawnmower 4.0

[@realgamerhourz8904]

Against the only 12% with the 3.0

[@Malignantt1]

Yammi would be a great insurance company, if you actually won the giveaway lol

[@user-nd1wv6xs6p]

“Sponsored by progressive” hmmmmmm

[@nicklion91]

I was not ready for papa to yell at me as soon as I started the video ;-;

[@brendanm6921]

But I bet you secretly liked it regardless.