[MaximumHP]

So I asked for some quotes from my insurance company to see how much other bikes may cost me to insure. I didn’t do this initially because I knew the Ninjette was the bike I was going to get and pretty confident the premiums would be reasonable.

For full disclosure I’m in WI, so they probably figure on 6 mo of riding, 37yo, married with one kid, home owner, and been with my agent for 10+ years so I typically get any discount that’s available (I hope) Clean driving record, 1 home, 4 cars plus my bike on the plan. My current coverage is full coverage for around 150 year (for my 2010 Ninjette only), not sure on the specifics, but generally good coverage (I go by my agents recommendations, and don’t skimp on coverage)

So here’s the quotes I asked for. Generally I tried to put them in the order I thought would be lowest to highest to insure:
2013 Kawasaki Ninja 250R
2012 Kawasaki Ninja 650R
2002 Honda CBR600 F4i
2011 Kawasaki Ninja 1000
2009 Kawasaki Ninja ZX-6R

And here’s the response I got:
2013 kawa ninja 250r -18.56 Per Year
2012 kawa ninja 650 + 82.55
2002 Honda CBR +32.93
2011 kawasaki ninja +98.30
2009 kawasaki Ninja +41.35

So to me there a lot of things that don’t make sense to me.
1.) I can buy a brand new 250 and my insurance goes down?
2.) The second highest jump in insurance is the 650, twice of a ZX-6R?
3.) For only 40 bucks more a year I can drive a ZX-6R to kill myself 10 times easier?

Most disturbing to me is the bike I’m most interested to buy next is the Ninja 1000, which turns out to be the highest insurance. On the other hand I can’t believe I could drive one of those around for $250/year. Maybe that is accurate considering a lot of people around here do only ride for 6 months. I ride once the snow is gone and till the snow hits in fall, but your still lucky to get 8 months.

Does this seem wack? I guess I had anticipated like 4-5x the insurance premiums moving to Supersport or similar.