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View Poll Results: How much (per year) for ninjette insurance? | |||
full coverage (liability/comp/collision): less than $100 | 35 | 7.71% | |
full coverage: $100 - $300 | 111 | 24.45% | |
full coverage: $300 - $500 | 77 | 16.96% | |
full coverage: $500 - $800 | 50 | 11.01% | |
full coverage: more than $800/year | 37 | 8.15% | |
liability only: less than $100 | 51 | 11.23% | |
liability only: $100 - $300 | 52 | 11.45% | |
liability only: $300 - $500 | 25 | 5.51% | |
liability only: $500 - $800 | 8 | 1.76% | |
liability only: more than $800/year | 8 | 1.76% | |
Voters: 454. You may not vote on this poll |
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Thread Tools |
June 17th, 2010, 06:53 AM | #241 |
Livin' the Minimoto Life
Name: Mark
Location: Riding around in TX
Join Date: Mar 2009 Motorcycle(s): 2022 Honda Navi, 2018 Z-125 Pro Posts: A lot.
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20/mo for almost full coverage. I'm going to be dropping to liability soon if the 250 doesn't leave my ownership.
I was quoted for $270/year for a new ZX10 full coverage.
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--- My IG Page --- My FB page! --- 2022 Honda Navi && 2018 Z-125 Pro |
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June 17th, 2010, 07:00 AM | #242 |
ninjette.org certified postwhore
Name: Jason
Location: Jacksonville, Florida
Join Date: May 2010 Motorcycle(s): 09 Ninja 250R SE, 07 Honda CRF230F, 06 Honda CRF150F Posts: A lot.
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Wow.... My 1000RR is $48 a month. I guess rates can vary widely per state, area, driving record, etc....
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09 250R SE: Paying it forward one post at a time! Don't forget to add yourself to our Member Map |
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June 17th, 2010, 07:03 AM | #243 |
Livin' the Minimoto Life
Name: Mark
Location: Riding around in TX
Join Date: Mar 2009 Motorcycle(s): 2022 Honda Navi, 2018 Z-125 Pro Posts: A lot.
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That is what I said. I was totally shocked at it. LOL
I double checked to make sure I didn't accidentally select the Z1000, and I didn't. People kept telling me that I'd be very surprised at how MUCH I'd be paying for full coverage on a SS, but I got that quote and my jaw hit the floor at how little ($22/mo) it was going to cost.
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--- My IG Page --- My FB page! --- 2022 Honda Navi && 2018 Z-125 Pro |
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June 17th, 2010, 07:25 AM | #244 |
ninjette.org member
Name: Andrew
Location: Fairfax, VA
Join Date: Apr 2009 Motorcycle(s): '06 Yellow 250r Posts: 211
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I'm a 21-year-old male with 2 speeding tickets on my record, and I'm paying $48/month to Progressive (through USAA.) I guess that's not bad.
Posted via Mobile Device |
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June 17th, 2010, 07:26 AM | #245 |
Ninjette CPT
Name: Vince
Location: jacksonville, fl
Join Date: May 2009 Motorcycle(s): Black 08 250r Posts: A lot.
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true story, just liability and bodily injury - 10/20/10 - $88/yr...........
Last futzed with by want1sobad; June 17th, 2010 at 11:21 AM. |
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June 17th, 2010, 10:51 AM | #246 |
ninjette.org member
Name: Josh
Location: west covina
Join Date: Jun 2010 Motorcycle(s): 250r blue :D Cbr600rr Phoenix Posts: 135
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i think bike insurance drops fast. and its higher for some ppl because of the lack of experience but after time passes, ours should drop to almost nothing too
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bye bye 250 hello cbr600rr |
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June 17th, 2010, 12:17 PM | #247 |
ninjette.org certified postwhore
Name: Ken
Location: Indio, CA
Join Date: Dec 2008 Motorcycle(s): '08 Kawasaki EX250 "Yoshi", '99 Kawasaki Concours "Grace", '06 Concours "Belle", '06 Yamaha YZF600R "Slick" Posts: A lot.
Blog Entries: 3
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sherjay - you're in California, check out Mike Felder Insurance. All they do is motorcycles and they represent a number of different companies, so they can figure out what's the best deal for your situation.
I've been using this insurance agent for years and the few times that my rate has changed they contacted us and suggested getting new quotes. It happened again this year and we ended up changing from Progressive company "A" to Progressive company "B" to avoid a $200 rate hike on the policy for our four bikes. I don't remember the exact names of "A" and "B", something like "... National" and "... West". The weird thing? Progressive company "A" and Progressive company "B" use the same P.O. Box!! (No! It's not a big shell game! ) Anyway, I have spoken with Mike Felder a few times over the years. He's a cool guy that rides on a regular basis. I've never met him or staff personally since they're 400 miles from me, but I've always gotten prompt service from them.
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< ATGATT > Sweat you can wipe off, Road rash you can't. HEY!! Unregistered!! Does your bike have a name? |
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June 17th, 2010, 01:00 PM | #248 | |
ninjette.org certified postwhore
Name: Bob
Location: CA
Join Date: Dec 2008 Motorcycle(s): '08 Ninja 250r, '14 CBR500r Posts: A lot.
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Quote:
Unfortunately, 2 weeks ago I was also awarded with a speeding ticket (first in a decade), but hopefully traffic school will keep that hidden from insurance. He actually said he clocked (paced me) faster than I believe I was going..... so much for trusting in that MC speedo variance. Sorry to 7500 the OT, but I want to encourage everyone to be ESPECIALLY careful right now about tickets, because there is a significant increase of ticketing going on right now with all the budgets getting slashed. Literally almost everyone I know who never gets tickets are getting them now, and I see those cops EVERYWHERE, and CONSTANTLY now! |
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June 17th, 2010, 02:00 PM | #249 |
ninjette.org member
Name: Chris
Location: Minnesota
Join Date: Oct 2009 Motorcycle(s): 2009 Yamaha YZF R1 Posts: 17
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2009 Yamaha R1 full coverage w/$500 deductible for comp/collision in Twin Cities metro, MN for $237/year for 49 y/o male rider!!
2009 Kawi 250R full coverage w/$500 deductible for comp/collision in Twin Cities metro, MN for $72/year for 39 y/o female rider!! Both policies with State farm in addition to homeowners and two cars. |
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June 17th, 2010, 02:03 PM | #250 |
ninjette.org sage
Name: Dan
Location: Perryopolis, PA
Join Date: Mar 2010 Motorcycle(s): 09' Blue Ninja 250R and 07' Honda 919 Posts: 605
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I pay $178/yr full coverage I think $250 deductible in PA
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June 17th, 2010, 02:31 PM | #251 |
ninjette.org certified postwhore
Name: Frugal
Location: Dallas/Fort Worth (DFW)
Join Date: Mar 2010 Motorcycle(s): Several Posts: A lot.
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$19.33/month minimum liability coverage only. Seem to remember that full coverage with a $100k medical rider was going to run around $150/month. State Farm.
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July 13th, 2010, 12:58 PM | #252 |
Greenman!
Name: Jack
Location: South NJ
Join Date: Apr 2010 Motorcycle(s): 2009 Ninja 250 Posts: 109
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Insurance
My insurance through Rider has just expired.. I believe its a northeast company... anyway I was paying $87 for the year but that was basic. If I add theft and fire it goes up to 247 for the year. Is it worth it? I tend to not leave my bike places since i use it more to ride not for transportation. Also if my bike gets stolen how much would I actually get for this? im asking because Rider customer service pretty much blows and never get back to me.
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July 13th, 2010, 01:01 PM | #253 |
ninjette.org dude
Name: 1 guess :-)
Location: SF Bay Area
Join Date: Jun 2008 Motorcycle(s): '13 Ninja 300 (white, the fastest color!), '13 R1200RT, '14 CRF250L, '12 TT-R125LE Posts: Too much.
Blog Entries: 7
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Jack - whole bunch of threads on this. No reason not to start a new one, but take a peek at the similar threads right at the bottom of this page for a good background...
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Montgomery Street Motorcycle Club / cal24.com / crf250l.org / ninjette.org ninjette.org Terms of Service Shopping for motorcycle parts or equipment? Come here first. The friendliest Ninja 250R/300/400 forum on the internet! (especially Unregistered) |
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July 13th, 2010, 01:03 PM | #254 |
Greenman!
Name: Jack
Location: South NJ
Join Date: Apr 2010 Motorcycle(s): 2009 Ninja 250 Posts: 109
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alright thanks i was just hoping to get responses from people with rider
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July 13th, 2010, 01:12 PM | #255 |
ninjette.org dude
Name: 1 guess :-)
Location: SF Bay Area
Join Date: Jun 2008 Motorcycle(s): '13 Ninja 300 (white, the fastest color!), '13 R1200RT, '14 CRF250L, '12 TT-R125LE Posts: Too much.
Blog Entries: 7
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No worries, I'll leave this up as well. No experience with Rider myself, I switched to Nationwide awhile back.
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Montgomery Street Motorcycle Club / cal24.com / crf250l.org / ninjette.org ninjette.org Terms of Service Shopping for motorcycle parts or equipment? Come here first. The friendliest Ninja 250R/300/400 forum on the internet! (especially Unregistered) |
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July 13th, 2010, 01:35 PM | #256 |
Greenman!
Name: Jack
Location: South NJ
Join Date: Apr 2010 Motorcycle(s): 2009 Ninja 250 Posts: 109
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thanks, i actually did the easy thing which was simply call them. Now i just have to decide if i want to do full or not.
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August 30th, 2010, 11:53 AM | #257 |
ninjette.org member
Name: Josh
Location: Atlanta, GA
Join Date: Oct 2009 Motorcycle(s): '09 250R Black Posts: 45
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Insurance renewal ripoff
Coming up on my 1 yr riding anniversary, got my renewal notice from P________. Just for giggles, I decided to do an online quote with them.
Turns out I saved 50% by buying a new policy on the web in lieu of renewing my existing policy. I'm not ragging P________; they seem to be a good company, but it infuriates me when loyal customers are thrown under the bus! So I call to cancel the existing policy ($7 refund, but hey....) and they asked why on earth I would do such a thing as cancel them. So I gave her my new policy #, and she confirmed that they could NOT have matched that rate unless I quit and came back. On another note, does anyone have experience with their Roadside Assistance? I added that to my policy for ~$12/yr (AAA moto add-on was $35). Since I have been venturing out more and further, I wanted some peace of mind, since I imagine a bike tow isn't cheap. |
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August 30th, 2010, 12:05 PM | #258 |
CPT Falcon
Name: J.Emmett Turner
Location: Newnan, GA
Join Date: Apr 2009 Motorcycle(s): '08 CP Blue EX250J, '97 unpainted EX250F, 2nd '97 unpainted EX250F (no engine), '07 black EX250F Posts: A lot.
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Progressive upped mine by about $2 a month after GAINING a year of experience and NO incidents. WTF?!
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August 30th, 2010, 12:08 PM | #259 |
ninjette.org certified postwhore
Name: Jason
Location: Jacksonville, Florida
Join Date: May 2010 Motorcycle(s): 09 Ninja 250R SE, 07 Honda CRF230F, 06 Honda CRF150F Posts: A lot.
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Yeah, both of you guys cases are wierd. Statefarm has always been good to me.
__________________________________________________
09 250R SE: Paying it forward one post at a time! Don't forget to add yourself to our Member Map |
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August 30th, 2010, 12:22 PM | #260 |
ninjette.org certified postwhore
Name: Paulette
Location: .
Join Date: Jun 2010 Motorcycle(s): 2010 Ninja 250R Posts: A lot.
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thats strange, so its an introductory offer. i'd get pissed and tell them to go screw themselves. if they can offer that rate to new clients, they can offer it to their loyal clients.
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August 30th, 2010, 12:42 PM | #261 |
ninjette.org sage
Name: Nate
Location: west virginia
Join Date: Apr 2010 Motorcycle(s): 2009 Honda CBR600RR Posts: 633
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yeah i went with rider insurance .. its only offered in a couple states but full coverage for my bike runs about $600 for a full year and refund when I put it on just storage for winter.
Geico wanted a redic amount and Progressive was not cheap at all. When I switched my bike and did a qoute it was like $87 a month compaired to the $58 a month for the 250.
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"Riding a motorcycle is like playing sports, not everyone is cut out for it." - WVNinja |
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August 30th, 2010, 12:57 PM | #262 |
Green!
Name: Tyler
Location: S. Florida
Join Date: Nov 2008 Motorcycle(s): 08 Ninja 250R, 04 Honda CRF230F, 94 Honda XR80R Posts: 505
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Progressive is kinda of weird....for my car, which renews every 6 months, I get two different rates. It renews in July and February, and for the July renewal it's always about 100 more then the February renewal. But Progressive is BY FAR the cheapest by almost half from the other companies I have been quoted for and I have a clean record.
I had allstate under my parents for 7 years, and when I went to get my own policy, they wouldn't even come close to progressives rates. I'm hoping my renewal in February will be much cheaper next year since I turn 25 in January and your rates are supposed to drop at 25. But I think mine are pretty reasonable as is, so we'll see. As far as bike insurance....I live in Florida and I have medical insurance. I looked but didn't find and insurance rates for the bike that I found reasonable. The cheapest was around 50 a month for really low coverage and I only ride about 50 miles a month...so I opted out of insurance. So far so good...and I've saved almost 2000 so far since I got the bike by not paying insurance...that could almost buy me another 08 if something happened to mine. (2000 is about all an insurance company is gonna pay out on a totaled 08 anyways since they don;t go by street value).
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2008 Green 250R |
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August 30th, 2010, 01:06 PM | #263 |
ninjette.org sage
Name: Scott
Location: DFW TX
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja zx6r Posts: 609
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You can find things like this with almost any insurance company. I use a broker and have him look up different companies every time I renew (car and motorcycle). My only direction to him is that I will NOT go with Progressive, even if they are the cheapest.
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August 30th, 2010, 01:07 PM | #264 |
Wartown, USA
Name: Bryan
Location: Warner Robins, GA
Join Date: Nov 2009 Motorcycle(s): 2009 Ninja 250R SE, 2007 Ninja 650R, and assorted other bikes Posts: A lot.
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What did you expect from a company called Progressive...
Progressive is named progressive because they support the progressive causes, they will never get a dime of my money...EVER. |
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August 30th, 2010, 01:09 PM | #265 |
ninjette.org member
Name: Josh
Location: Atlanta, GA
Join Date: Oct 2009 Motorcycle(s): '09 250R Black Posts: 45
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Yeah, I wondered what the "total'ed" value on a '09 would be.
I've never been much for comprehensive/collision, but given my current finances, I would be hard pressed to buy a new helmet, much less a whole bike. I don't even want to tell ya what I pay, but the new policy is running me $13/ month, with a $250 deductible. The advantages of being old and cautious I guess. |
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August 30th, 2010, 01:10 PM | #266 | |
ninjette.org sage
Name: Scott
Location: DFW TX
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja zx6r Posts: 609
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Quote:
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August 30th, 2010, 01:11 PM | #267 |
ninjette.org sage
Name: Scott
Location: DFW TX
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja zx6r Posts: 609
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August 30th, 2010, 02:10 PM | #268 |
Green!
Name: Tyler
Location: S. Florida
Join Date: Nov 2008 Motorcycle(s): 08 Ninja 250R, 04 Honda CRF230F, 94 Honda XR80R Posts: 505
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I know the risks. I would prefer insurance, but the price just doesn't justify it for how little I ride. It's a gamble, I know, but I'm not breaking any laws. I actually have my bike listed for sale at the moment (at a high price) because I ride so little right now...if it sells I did well, if not, then I have a toy. As much as I'd miss it, I know someone else would ride more, and that's what the bike was made for.
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2008 Green 250R |
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August 30th, 2010, 03:36 PM | #269 | |
ninjette.org sage
Name: Scott
Location: DFW TX
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja zx6r Posts: 609
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Quote:
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November 8th, 2010, 04:44 PM | #270 |
ninjette.org guru
Name: Kevin
Location: Athens
Join Date: Aug 2010 Motorcycle(s): 1981 Honda Cx500 Custom, 2002 Ninja 250 Posts: 289
Blog Entries: 1
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Insurance rates for your Ninja 250
Alex if this has been done before then please delete. I did a quick search and did not see a similar post. I would be curious to know what people are paying.
Maybe we could format our answers in this way? State you live in; Sex; Bike year; Riders age; Coverage- full or comp Deductable Points; Years riding. Price. Company This way we can all shop around thru the forum to see who has the best rates and coverage? I will start; Georgia male 2002 Ninja 250 I am 41 years old Full Coverage 1000 dollar deductable- sux! 0 points over 26 years experience on motorcycles on street I pay around $200 a year American Modern
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"Rudeness is a weak persons attempt at strength." |
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November 8th, 2010, 04:52 PM | #271 |
ninjette.org certified postwhore
Name: Sam
Location: Northern Virginia
Join Date: Nov 2008 Motorcycle(s): Ninja 250R 2009 and ZX-12R 2000 Posts: A lot.
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November 8th, 2010, 06:13 PM | #272 |
darrell85
Name: darrell
Location: vandalia Mo.
Join Date: Jul 2010 Motorcycle(s): 2001 250 ninja Posts: 91
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25 YO male, 01' 250 ninja married living in Missouri. I have Progressive and pay $96 one time per year for liability. I also have 2 cars with them. According to the ins. company my bike aint worth crap and it wouldnt be worth having full coverage imo. I also work for the state DOC and have excellent health and accident insurance, so that isnt a concern of mine.
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November 8th, 2010, 06:22 PM | #273 |
seeking twisties
Name: Bill
Location: Houston, TX
Join Date: Nov 2010 Motorcycle(s): '07 Ninja 650R, '09 250R special edition Posts: 199
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I am 38 year old single male with a clean driving record in the past 3 years. Insurance for the 250 is rediculous. I called 3 agents, 2 with Dairyland and 1 with Progressive. My current policy with the 650R is with Progressive. All 3 came out to pretty much the same-about $300 a year(same as 650R) for liab, uninsured motorists, and comprehensive-no collision. With collision, it would be almost $600-and that's with both bikes on the policy-multi bike discount. I never get coll. with a new bike-it's the most expensive. I may drop the 650 down to liab next year 'cause it's an older bike now('07).
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Bill |
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November 9th, 2010, 11:29 AM | #274 | |
ninjette.org member
Name: Ichiro
Location: So.Cal. Long Beach.
Join Date: Dec 2008 Motorcycle(s): 2008 250r(sold). 2013 Kymco Super8 150 Posts: 223
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Quote:
These posts with no details make as much sense as the following: " How much should I pay for a motorcycle?" " I got mine for $4,000" " Damn. I just paid $7,000 for mine." " I just got one for $1,000" " Wow.Great deal!" Also, call a number of companies to get premium quotes. When I first insured my Ninja, using the same information and same policy limits I got quotes ranging from $350/yr to over $2,000/yr! I'm not getting into the details of my policies since the point is, different companies will have very different rates for your individual situation. Last futzed with by Ichiro; November 9th, 2010 at 11:41 AM. Reason: adding info |
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November 10th, 2010, 09:03 AM | #275 |
ninjette.org member
Name: Mike
Location: Gladwin, MI
Join Date: Apr 2010 Motorcycle(s): 2002 XR200r Posts: 128
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28, Married Male, No points on liscence, 2004 EX250, Michigan, State Farm-
$14 a month. |
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November 10th, 2010, 11:28 AM | #276 |
ninjette.org member
Name: Ichiro
Location: So.Cal. Long Beach.
Join Date: Dec 2008 Motorcycle(s): 2008 250r(sold). 2013 Kymco Super8 150 Posts: 223
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November 10th, 2010, 12:04 PM | #277 |
ninjette.org certified postwhore
Name: Sam
Location: Northern Virginia
Join Date: Nov 2008 Motorcycle(s): Ninja 250R 2009 and ZX-12R 2000 Posts: A lot.
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November 11th, 2010, 11:51 AM | #278 |
ninjette.org member
Name: M
Location: Oklahoma
Join Date: Jun 2009 Motorcycle(s): Ninja 250 x2, Ninja 650R Posts: 165
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2005 Ninja 250 (black): $43.32/year
liability 250/500/250 - $19.22/year comprehensive/$250 deductible - $24.10/year 2005 Ninja 250 (silver): $36.08/year liability 250/500/250 - $16.42/year comprehensive/$250 deductible - $19.66/year 2007 Ninja 650R: $208.38/year liability 250/500/250 - $41.24/year comprehensive/$250 deductible - $45.90/year collision/$250 deductible - $121.24 uninsured 50/100: N/C on the cycles, stacked on another vehicle I have.
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The Rally - Oklahoma |
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February 23rd, 2011, 07:25 AM | #279 |
ninjette.org certified postwhore
Name: D
Location: Palm Beach, FL
Join Date: Oct 2010 Motorcycle(s): 2006 Ninja 250R, 2007 EFI Ninja 250R Posts: A lot.
Blog Entries: 1
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Insurance cost
Everybody keeps saying that Motorcycle insurance is cheap, but here is what Geico just quoted me.... Almost as much as the bike itself and about three times what the car policy costs.
Insurance isn't required in this state, but I was thinking about getting a minimal liability policy. Should I just forget about it? Anybody else live in Florida and have a decent rate? |
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February 23rd, 2011, 07:45 AM | #280 |
ninjette.org guru
Name: war
Location: north chicago burbs
Join Date: Jan 2011 Motorcycle(s): 2014 Ducati Panigale 899 Posts: 325
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Your deductible is crazy low so your policy cost is going to be crazy high. You really should be looking at $250-500 deductible.
Also how much would it be for you to replace your bike? A general rule for cars is that if your annual fee for collision coverage is 10% or more of your vehicle's value and if your vehicle is paid off you should consider dropping collision coverage. I'm paying about $30 a month for much better coverage with a $500 deductible. |
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