The two final Grom-scoveries

"themanwithsauce - has as many vehicles as job titles" (themanwithsauce)
06/07/2019 at 18:27 • Filed to: None

Gather round, everybody, as I relay unto you yet more of my wonderful grom-scoveries I have made since purchasing a Grom last week. But this edition is special as it is the LAST such post I will be making. Why?

1) NO. ONE. Will give the biker wave to a Grom except for scooters. EVERY. SCOOTER. Will give a wave or a cheer. Which, honestly, is kinda fun. Goofballs-in-arms, yo!

2) After many phone calls this week, I have discovered that my insurance is not going up 100$/6 months, like I thought previously. No, it is 100$/month for liability on a grom. I shopped around and while other places handle the grom for a lot less, the overall cost is still higher since they ding either the triumph or KLR a lot harder. And I’d have some single bike policies but that ends up being a hassle and I lose my multi-vehicle discount through progressive.

So, after a week and about 100 miles of silliness, I threw the grom off my insurance and onto craigslist. I have multiple people agreeing to my price which is 300$ more than I paid for it.

tl;dr - I made 300$ riding a grom for a week because insurance is a scam .

DISCUSSION (22)

jminer > themanwithsauce - has as many vehicles as job titles
06/07/2019 at 18:48

That’s insane for insurance. I pay $175 a year for 3 bikes through progressive one of them is even full coverage, a 2015 CB500x.

themanwithsauce - has as many vehicles as job titles > jminer
06/07/2019 at 18:51

Michigan is the worst state for insurance save for maybe a handful of high density population areas. The KLR with full coverage and the triumph with liability are ~800 for the year. So for the grom to cost as much as them is absurd. Rider will give me a good price for the grom and the KLR but it costs the same for liability on the triumph as it does for full coverage on the triumph through progressive. State farm is way out of the ballpark. I’m making some more calls since my car insurance went up after my two accidents in winter (neither were at faults).

jminer > themanwithsauce - has as many vehicles as job titles
06/07/2019 at 18:59

I’m floored. I don’t understand why bikes are so much up there. The weather’s so shitty so most bikes can’t be ridden more than a couple months a year.

themanwithsauce - has as many vehicles as job titles > jminer
06/07/2019 at 19:02

Michigan has an “unlimited health coverage” clause for insurance providers that states, as a brief summary, that they must provide for all medical expenditures caused by an accident, for that person’s life. This combines with us being a “no-fault” state to cause some hilarious insurance games.

Longtime Lurker > themanwithsauce - has as many vehicles as job titles
06/07/2019 at 19:37

It sucks that this didn't work out. But I knew at the price you paid you weren't going to lose money .

SilentButNotReallyDeadly...killed by G/O Media > themanwithsauce - has as many vehicles as job titles
06/07/2019 at 19:41

Holy moly...you have chosen wisely. No Grom is worth that much.

One does wonder though...if you'd bought the Kawasaki, would the insurance issue/cost be similar? Or does Michigan have a Grom Tax by stealth?

themanwithsauce - has as many vehicles as job titles > SilentButNotReallyDeadly...killed by G/O Media
06/07/2019 at 19:48

Michigan, especially grand rapids, does have an infamous “grom squad” known simply as “The Hooligans” who do an event called “Murder the mitten”. I’m pretty sure the ratio of groms to Z125s is 20:1. The Z125 would probably half the price, if not less. But whatever, the Z125 isn’t as good. So I’m glad things went the way they did.

themanwithsauce - has as many vehicles as job titles > Longtime Lurker
06/07/2019 at 19:49

I’m bummed I can’t do some more of the stupid shit I wanted to do. I was planning on riding through some construction sites and riding out to a lake about 50 miles away and making a day trip out of it and do some fishing via a grom. But.....yeah. It’s not as bad as it could’ve been for sure, just frustrating that insurance is what pulls the trigger.

shop-teacher > themanwithsauce - has as many vehicles as job titles
06/07/2019 at 19:57

Wait, what? I pay $135 a YEAR for both my Zuma 125 and my wife's 150 Vespa. Full coverage.

themanwithsauce - has as many vehicles as job titles > shop-teacher
06/07/2019 at 19:58

In Michigan?

Satoshi "Zipang" Katsura > themanwithsauce - has as many vehicles as job titles
06/07/2019 at 20:02

A couple of my mates here have insurance for their Groms in the low teens; a nd yes, full coverage at $100 deductibles.

shop-teacher > themanwithsauce - has as many vehicles as job titles
06/07/2019 at 21:19

No. Illinois.

themanwithsauce - has as many vehicles as job titles > Satoshi "Zipang" Katsura
06/07/2019 at 21:40

Yeah, some other companies offer it for a “proper” price IMO, but then the KLR or triumph shoot up in price.

xaviersmork > themanwithsauce - has as many vehicles as job titles
06/07/2019 at 22:00

I was just quoted $300 for the year for the Gr om I’m getting. I am using progressive and I live in Michigan.

themanwithsauce - has as many vehicles as job titles > shop-teacher
06/07/2019 at 22:05

I got nothing. Granted, my car rates also went up after my winter ice-capades so I’m sure that is playing a part in this despite me being found not at fault in either incident. But progressive won’t budge.

shop-teacher > themanwithsauce - has as many vehicles as job titles
06/07/2019 at 22:09

That freaking sucks.

themanwithsauce - has as many vehicles as job titles > shop-teacher
06/07/2019 at 22:14

I might move the Fiero to a collector car insurance and see if I can switch the KLR to liability only during the w int er months through rider or someone like that . I kinda knew the grom was short term when I got it but not quite this short. This is the first time I’ve had my insurance rates jack up despite me supposedly having accident forgiveness and not being at fault, so I’m kinda spooked at the sudden increase on top of a toy purchase possibly costing me hundreds just to have the opportunity to ride.

It’s not the end of the world, and I *can* afford it, but I’d rather not have to pay more for what I already had...

sn4cktimes > themanwithsauce - has as many vehicles as job titles
06/08/2019 at 00:11

I ride a Husky 350s. I wave at all Groms and Ruckus’. I never wave at Harley riders.

shop-teacher > themanwithsauce - has as many vehicles as job titles
06/08/2019 at 00:24

I definitely recommend collector car insurance for the Fiero. It's very cheap.

themanwithsauce - has as many vehicles as job titles > shop-teacher
06/08/2019 at 00:59

Yeah. Th e limited miles might be a slight pain, but I think that’s all in my head. I’ll only really be doing a few big trips during the year and those would be events, not daily commuting.

AMGtech - now with more recalls! > themanwithsauce - has as many vehicles as job titles
06/08/2019 at 03:00

That insurance price is stupid. My 1200 Monster (!) is like 40/month for full coverage.

shop-teacher > themanwithsauce - has as many vehicles as job titles
06/08/2019 at 04:29

I never came close to the mileage limit when I had it on my '74 Apollo.