Every state has different insurance rates. Every insurance company quotes differently. I currently only have Liability on the ninja because I figured I would be smart and just go get the bike and write my own insurance through progressive that day. I'm an agent by the way. Well they wanted over $1,200 a year on a brand spankin new 09 250r. So I went with Liability for $86 bucks a year. I found out through my underwriters that Progressive could give a damn about CC's. They look at the classification of the bike. If you have a cruiser they love ya but if you have a sport bike they WILL quote ya but they are gonna make it so high you wouldn't want it anyway. So all said and done I'm looking for full coverage elsewhere. I've been told State Farm and All State are our best bets. Just be careful and shop around unlike this guy.
