June 30th, 2010, 11:20 AM | #41 | |
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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--- My IG Page --- My FB page! --- 2022 Honda Navi && 2018 Z-125 Pro |
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June 30th, 2010, 01:39 PM | #42 |
ninjette.org member
Name: Mac
Location: Lake Elsinore, CA
Join Date: Nov 2009 Motorcycle(s): 09 ZX6R Monster, 1982 ZX1100, 07 Ninja 250 (parting out) Posts: 46
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I think I want to move to Texas also. I'm 50 with mc license for 35 years. I was actually a Traffic School Instructor and have a spotless record. I'm paying $90 a month full coverage on my '09 ZX6R due to the "supersport" tag. My wifes 2007 250, she pays $175 a year (liability only). I'm sure California has a lot to do with it but I think I still want to move to Texas
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Dress for the slide! |
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July 1st, 2010, 08:11 AM | #43 | |
ninjette.org sage
Name: Jon
Location: Usa
Join Date: Jan 2010 Motorcycle(s): magHitVE Posts: 649
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this is my first bike and I am under 25 with a history of speeding tickets, a lots of tickets, big ones too, not to mention a permit suspension. |
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July 1st, 2010, 04:21 PM | #44 |
ninjette.org member
Name: Ben
Location: KC
Join Date: Mar 2010 Motorcycle(s): 2009 Ninja 250r Posts: 93
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That is one of the big reasons why I have the 250 vs 600/675. Cheaper insurance, great gas mileage, and fairly cheap maintenance.
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July 1st, 2010, 04:27 PM | #45 |
ninjette.org member
Name: tommy
Location: City of Brotherly Love
Join Date: Aug 2009 Motorcycle(s): 2008 Posts: 54
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looks like i wont be upgrading... yet.
im currently at $108 full coverage for the year on the 250 (philadelphia region). by the way, whastup ting! im still babying your 250!
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oh dAng! |
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July 1st, 2010, 10:55 PM | #46 |
ninjette.org sage
Name: Jon
Location: Usa
Join Date: Jan 2010 Motorcycle(s): magHitVE Posts: 649
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funny how I was just mentioning my insurance rates, while I was typing this)more or less) someone backed up into my bike, a hit and run. It didn't fall, they pushed it over 4 feet on the kickstand with their SUV. I knew I should of have gotten an alarm with proximity sensor. Next bike this will be the priority.
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July 2nd, 2010, 12:23 PM | #47 | |
ninjette.org sage
Name: Scott
Location: DFW TX
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja zx6r Posts: 609
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Quote:
For those wanting to move to TX, that is where I live, and I don't see these kind of rates anywhere. And I'm 43, with no tickets and no insurance claims. |
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July 2nd, 2010, 12:24 PM | #48 | |
ninjette.org sage
Name: Scott
Location: DFW TX
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja zx6r Posts: 609
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July 2nd, 2010, 01:41 PM | #49 |
ninjette.org sage
Name: Jon
Location: Usa
Join Date: Jan 2010 Motorcycle(s): magHitVE Posts: 649
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lIt had just rained, my guess is the pavement was slippery and that's why it didn't fall.. yeah, there was damage to the cowling under the front fairing, the side bracket was damaged, which cracked the right hand fairing and the front cowling... scratches all over the front paint. It was about 3-4 feet from where I had parked it. There is an SUV with damages at the SAME level (emblem pushed off and damage to trunk, but no one saw).
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July 5th, 2010, 11:17 AM | #50 |
ninjette.org member
Name: Eric
Location: Mckinney TX
Join Date: Apr 2010 Motorcycle(s): 2009 Ninja 250 Posts: 27
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I'm in Texas...28 with a clean driving record. I went with Progressive. Liability was $71 for the year. Full coverage would've been $148 for the year, but I'm a cheapskate.
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September 27th, 2010, 02:47 PM | #51 |
Former ninjette rider
Name: Andy
Location: Hibbing, MN
Join Date: May 2010 Motorcycle(s): 2011 Honda CB1000R Posts: 121
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I pay $121/year for my 250. 24 years old, 1 accident and a ticket in '05. From what I've seen it's not necessarily the CC's that get you the high insurance, it's how many people have died on the bike. Just what I've heard.
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We've witnessed your human capacity for war. It would absolutely bring more harm than good. |
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September 27th, 2010, 05:33 PM | #52 |
ninjette.org member
Name: Chris
Location: California
Join Date: Apr 2010 Motorcycle(s): '08 250 Posts: 129
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i wouldn't complain if i were you guys, i'm under 25 with 2 points on my license and am paying 1200/year for the 250, ins companies were looking for $300/mo for a sv650. state farm has some of the best rates i've found but won't insure someone with 2 points on their record. and that's just liability, uninsured and comp. no collusion
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September 27th, 2010, 05:36 PM | #53 | |
ninjette.org member
Name: jashobeam
Location: indiana
Join Date: Aug 2010 Motorcycle(s): 2008 ninja 250 Posts: 36
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Sportisi Jet Kit (#100 Jet),Sportisi VR6 Full Exhaust, SystemSportisi TIS with BRT, Digital Koso gauge,Tank PadVinyl graphics, 150/60/R17, Targa FenderEliminator |
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September 27th, 2010, 08:48 PM | #54 |
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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Always amazes me that people compare what they pay for insurance without taking into account the amount of coverage they have. Without knowing the limits of liability and deductible amounts you can't really compare premiums. For example, I have liability of $250,000/$500,000 bodily injury and $50,000 property damage;$1,000 Deductible Comp;and $250,000/$500,000 Uninsured Motorist Bodily Injury coverage. I pay $288/year with State Farm for my 2008 250 Ninja. If I had liability of $50,000 instead of $250,000, my premium would be a lot less; if I had zero deductible Comp.it would be more.
Also, the term "full coverage" isn't useful since once again, without the numbers, you are comparing apples to oranges. It's like someone saying "I paid $5,000 for my motorcycle." I sure would want to know some details before I decide if that is a good deal or not. |
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September 27th, 2010, 09:19 PM | #55 |
ninjette.org certified postwhore
Name: Scott
Location: Carlise Ohio
Join Date: Apr 2010 Motorcycle(s): Yahama v star 650 classic Posts: A lot.
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I just went with state farm, now I pay $18 a month. $216 a year.
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September 27th, 2010, 10:28 PM | #56 |
=°°=
Name: Imran
Location: Bergen County, NJ
Join Date: Sep 2009 Motorcycle(s): 2009 Yamaha R6 / 2008 Green Ninja 250 (Sold) Posts: 103
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i think they they go by the year of the bike, your age, the ccs, and your driving record, they take that and overprice you as much as they can
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September 30th, 2010, 02:25 PM | #57 |
ninjette.org newbie
Name: Kevin
Location: Texas
Join Date: Jul 2010 Motorcycle(s): 03 Ninja 250 Posts: 5
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Another Texan paying $84 a year for liability only on my 03 250. One factor which also has effect on your rate is the county you live in (more accidents for your county=higher insurance rate) so if u live in a big city expect to pay a little more.
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September 30th, 2010, 02:57 PM | #58 |
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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I think I have paid more in insurance for my '08, than for the bike itself.
Now that I'm thinking about it, I see more older 250s around town, than older 600+ SSs. I'm sure the insurance reflects this. I don't see many older 600+ SSs at all around here, although there are plenty of newer ones (~5yrs or newer). Lots of salvaged titles too on Craigs, etc. for the SSs, but I can't remember the last time I saw one for a 250 (other than parting out). |
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September 30th, 2010, 03:21 PM | #59 |
ninjette.org member
Name: Chris
Location: California
Join Date: Apr 2010 Motorcycle(s): '08 250 Posts: 129
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double checked my ins yesterday, i have progressive, got them to add 2 discounts saving me $46/mo and all thanks to this thread.
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September 30th, 2010, 03:29 PM | #60 |
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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September 30th, 2010, 04:07 PM | #61 |
ninjette.org member
Name: Chris
Location: California
Join Date: Apr 2010 Motorcycle(s): '08 250 Posts: 129
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well i joined the ama ($39), and progressive offers a discount for that, think it was like 40+ dollars for the year which equated to like $5 a month. (so the ama membership cost sorta gets balanced out by that) and i was missing a multi policy discount on my car from having the bike policy. so those 2 discounts decreases my insureance by quite a bit for me. $235/mo to $189/mo for both vehicles. and in december when my car policy renews it renews with a ticket dropped off my license and my rates get lower! I cant wait. i went on the website and there's a tab to show what discounts you have applied to your policy and what is available. so basically i had them apply what was available, and then they thanked ME for bringing it to their attention.
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September 30th, 2010, 04:08 PM | #62 |
ninjette.org certified postwhore
Name: Travis
Location: Warwick, RI
Join Date: Apr 2009 Motorcycle(s): 2009 Ninja 250R Posts: A lot.
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AM FAM is kindof crazy. I had a friend who was looking to start who checked with them and they said they would not insure any riders unless they had atleast two years experience. I told her to check out the cheap internet companies, (progressive and the like). Who knows if she did. She still doesn't have a bike.
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Addicted to anything that has an engine and rolls. |
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October 30th, 2010, 04:21 PM | #63 |
ninjette.org addict
Name: Jimmy
Location: SoCal
Join Date: Oct 2010 Motorcycle(s): 2010 Ninja 250r Posts: 89
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Best Deal in SoCal ?
Just got my bike insured today... purchased and brought it home this past Thursday.. !! anyway, after doing a little shopping... I got coverage from All State... $500 deductible... including collision... (not just liability) and its going for $190/yr... i almost fell outta my chair... needless to say i gave them the immediate thumbs up...
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October 30th, 2010, 05:26 PM | #64 | |
ninjette.org member
Name: Mac
Location: Lake Elsinore, CA
Join Date: Nov 2009 Motorcycle(s): 09 ZX6R Monster, 1982 ZX1100, 07 Ninja 250 (parting out) Posts: 46
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Quote:
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Dress for the slide! |
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October 30th, 2010, 06:11 PM | #65 |
ninjette.org certified postwhore
Name: Alex
Location: Belfast, ME
Join Date: Jul 2008 Motorcycle(s): 2010 Honda NT-700-V, formerly, Green 2008 Ninja 250R Posts: A lot.
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I'm insured with USAA for the cars--they don't insure bikes but farm that out to Progressive. I pay $160 a year with a clean record for 50 years--no accidents--no tickets except for a warning I got on my bicycle--30 in a 25. That was good for a few Ho Hos. Hat premium is for full coverage.
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Ninjette, Sold. New Bike: 2010 Honda NT-700V/VA, 73 Honda 550, 74 Honda 550 |
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October 30th, 2010, 06:56 PM | #66 | |
ninjette.org sage
Name: Rose
Location: San Diego
Join Date: Aug 2010 Motorcycle(s): 2007 Blue Ninja 250R Posts: 650
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October 30th, 2010, 07:27 PM | #67 | |
ninjette.org addict
Name: Jimmy
Location: SoCal
Join Date: Oct 2010 Motorcycle(s): 2010 Ninja 250r Posts: 89
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Quote:
$4763 !! seriously, after reading that post i choked on my Ramen noodles... that is ridiculous.. cost more than my ninja.. ! Guess the move on up to a 600 will have to be put on the shelf for much much later... hopefully you find a company with reasonably minded..."sane"... agents capable of setting you up right... |
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October 30th, 2010, 09:14 PM | #68 | |
I hate driving...
Name: S
Location: SW Ohio
Join Date: Jul 2010 Motorcycle(s): 13 Triumph Street Triple R, 09 Ninja 250r (Sold 4/20/12) Posts: A lot.
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Quote:
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09 ninja 2fiddy SE Driving slow things fast |
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October 31st, 2010, 07:19 AM | #69 | |
ninjette.org member
Name: Mac
Location: Lake Elsinore, CA
Join Date: Nov 2009 Motorcycle(s): 09 ZX6R Monster, 1982 ZX1100, 07 Ninja 250 (parting out) Posts: 46
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Quote:
The only reason it is so high is the Supersport tag. The 650 Ninja is good to go with insurance. Trust me, if I had known....I pay $958 a year, 35 years experience, no accidents or tickets and taught traffic school one year. That's for $50K, $100K, $50K with $500 deductible. But I get a good driver discount LMAO. My AIS agent found a company that took my wifes spotless car license record and insured her on the KZ for $100 a year but the 6R is out. Too bad too because she loved riding it.
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Dress for the slide! |
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October 31st, 2010, 01:55 PM | #70 |
ninjette.org sage
Name: Chris
Location: Huntsville, AL
Join Date: May 2009 Motorcycle(s): 2009 Ninja 250 (sold) Posts: 755
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I'm paying about $700 for full coverage this year on my 250. Last year I payed 1,200 with the same company. I have 4 speeding tickets on my record, but 3 of them were dismissed. Unmarried 21 yr old male. Bare minimum coverage I think 25,000/50,000 with 1,000 dollar deductible.
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The Ninjette is not a disposable bike. You are not ever supposed to get rid of it. It is like a [friendly] herpes virus.... once you got it, you get keep it forever. Originally posted by-Headshrink |
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November 1st, 2010, 06:19 AM | #71 |
ninjette.org member
Name: Mac
Location: Lake Elsinore, CA
Join Date: Nov 2009 Motorcycle(s): 09 ZX6R Monster, 1982 ZX1100, 07 Ninja 250 (parting out) Posts: 46
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Lol...
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Dress for the slide! |
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November 1st, 2010, 04:14 PM | #72 |
ninjette.org member
Name: Lee
Location: Naugatuck, CT
Join Date: Mar 2010 Motorcycle(s): 08 Kawasaki Ninja 250R Blue Posts: 150
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360 a year full coverage for the 08 250 and 2010 R6. Gecko. Over 30 spotless record and MSF discount (which folks should recall that it expires after 3 years)
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Mmmm when gone down you have look so good you will not. |
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November 1st, 2010, 04:46 PM | #73 | |
ninjette.org certified postwhore
Name: Dave
Location: Michigan
Join Date: May 2009 Motorcycle(s): 2009 Kawasaki Ninja 650RTE & 2009 Kawasaki Ninja 250R (SOLD) Posts: A lot.
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Quote:
I asked the guy at my state farm, Dont you guys go by "cc's" when figuring a base of Insurance cost on a motorcycle? Answer: No, most insurance companies in the US at least, DONT go by CC's. Body/Model type matters, Sport, Supersport, Touring, etc... |
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