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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 28th, 2011, 07:20 PM | #441 |
ninjette.org member
Name: Valerie
Location: south central PA
Join Date: May 2011 Motorcycle(s): 2011 Ninja 250R SE White Posts: 58
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We've got full coverage on our ninja, and we're only paying ~$130/year. State Farm, rural PA, and we're both 28 with no reportable accidents and one speeding infraction from 4 years ago. I'm fairly positive our deductible is $500. I was told no discounts for MSF or the fact that we've also got 2 cars and our renters ins through them. No discounts because they are already the lowest, she said.
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June 28th, 2011, 07:30 PM | #442 |
DUCEATR
Name: Dan
Location: El Paso, Texas
Join Date: Apr 2011 Motorcycle(s): RVT1000R Posts: 628
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I use Progressive with my USAA discount I pay $74 a year.
$250 deductible 15 years riding exp. 30 yrs old 2 bikes and 2 cars for a nice multi-policy discount. |
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July 5th, 2011, 06:59 PM | #443 |
ninjette.org sage
Name: aj
Location: New York / PA
Join Date: Jul 2009 Motorcycle(s): Red 09 Ninja 250r aka Sheila (RIP), Red '10 Ninja 250r aka Sasha (Sold), White '13 Ninja 300 (To be Purchased) Posts: 855
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liability only $200 a year with progressive, NY.
MSF course and 22 years old
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July 5th, 2011, 07:05 PM | #444 |
Matress
Name: Sebastian
Location: Phoenix
Join Date: May 2011 Motorcycle(s): Blue 04 Ninja 250 Posts: 52
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Progressive full coverage 500 deductible 360 a year.
I'm 19, got a perfect driving record, did the MSF course, about 2 months riding experience.
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If there's anything more important than my ego around, I want it caught and shot right now |
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July 5th, 2011, 10:59 PM | #445 |
Over 40 Ninjette Owner
Name: John
Location: Lancaster, Pa
Join Date: May 2010 Motorcycle(s): 2008 Kawasaki VN900C (Black)/2009 Kawasaki Ninja 250R (Red) SOLD BOTH Posts: 77
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Rider insures my Vulcan and my Ninja. $139 per year full coverage for the Vulcan, and only $82 per year full coverage for the Ninja. 41, no accidents, 0 points, live in PA. Been riding for 4 full years now. If the ground ain't freezin', bet yer sweet a$$ I'm out ridin'. Or something to that effect...
Johnny P.S. Insurance in NJ is very high. I used to live there. Care to hazard a guess why I don't live there anymore
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So Long, and Thanks for All The Fish! Vulcan 900 Custom: Cafe windscreen, OEM backrest and Lockable side cases!!! |
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July 5th, 2011, 11:16 PM | #446 |
ninjette.org sage
Name: Peanut
Location: Senoia, GA
Join Date: Feb 2011 Motorcycle(s): Green 2013 ZX-6R Posts: 723
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$0.00, mine is a race bike. The only time it was ever on the street was 300 miles of break-in when I first bought it.
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http://www.simplysurrealphotography....es/peanut2.png |
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July 5th, 2011, 11:36 PM | #447 |
ninjette.org member
Name: Rowan
Location: oakland, kawifornia
Join Date: Jun 2011 Motorcycle(s): 2002 ninja 250 Posts: 96
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$175 liability only and dual policy discount. 27 in northern cali
progressive |
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July 6th, 2011, 05:36 AM | #448 |
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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It would be nice to know how the rates correlate with states that require insurance and those that don't.
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July 6th, 2011, 06:41 AM | #449 |
ninjette.org member
Name: Paul
Location: Atlanta, GA
Join Date: Jul 2011 Motorcycle(s): 2008 Ninja 250R Posts: 48
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I pay $156/6 months for Liability, Comprehensive, Liability, and Uninsured Motorist with State Farm. My parents have auto and house with them as well. I am 23 in Atlanta, Ga with no infractions on my license.
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July 6th, 2011, 10:40 AM | #450 |
Retread
Name: Bill
Location: Arroyo Grande, Ca
Join Date: Apr 2011 Motorcycle(s): '04 Ninja 250(sold), 07 R6s Posts: 16
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$202 per year for full coverage in CA. I was quoted $75 for liability only
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July 6th, 2011, 11:14 AM | #451 |
ninjette.org member
Name: Rowan
Location: oakland, kawifornia
Join Date: Jun 2011 Motorcycle(s): 2002 ninja 250 Posts: 96
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July 6th, 2011, 11:17 AM | #452 |
ninjette.org sage
Name: Luke
Location: Sevierville, TN
Join Date: May 2011 Motorcycle(s): 06 Buell Uly, 05 VStar 1100 Posts: 577
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Every single bike I've owned (crusiers: '98 1500, '04 800, '97 750, '02 1100 streetbikes: '99 600, '96 650R, '04 600, '99 1000(touring), and now '06 250) my insurance has ALWAYS been about $30 a month +-$3. Even on my 06 Rhino 660 its $30 a month. Its 100/300/50 insurance through progressive. Highly recommend them, especially if you have a progressive representative near you. I'm 23 and dont have anything on my record.
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July 6th, 2011, 11:46 AM | #453 |
ninjette.org certified postwhore
Name: Cody
Location: NoVa
Join Date: Jan 2011 Motorcycle(s): 06 yzf r6r previously: 09 ninja 250r, black 07 zx6r Posts: A lot.
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I pay almost $34/month and about $425/year. I am 18 in NoVa with a clean record and great grades. I feel like for my coverage and age the cost is appropriate, much less than the $1800/year that geico quoted me for even less coverage, or the $700+/year from others .
I just received an e-mail from progressive telling me I am now a silver-level loyalty rewards member. I now have unlimited small accident forgiveness (won't affect my rate at all) and a responsible driving discount (I already had this). Coverage & Premium Information BODILY INJURY & PROPERTY DAMAGE LIABILITY $114.00 BI $50,000 EACH PERSON - $100,000 EACH ACCIDENT PROPERTY DAMAGE LIABILITY - $40,000 EACH ACCIDENT UNINSURED MOTORISTS $81.00 BI $25,000 EACH PERSON/$50,000 EACH ACCIDENT PROPERTY DAMAGE $20,000 EACH ACCIDENT OTHER THAN COLLISION $100 DEDUCTIBLE $45.00 INCLUDES DISAPPEARING DEDUCTIBLE COLLISION $250 DEDUCTIBLE $175.00 INCLUDES DISAPPEARING DEDUCTIBLE TOWING & LABOR COSTS $75 PER DISABLEMENT $10.00 Premium by Vehicle $425.00 Total Policy Premium $425.00
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July 6th, 2011, 08:27 PM | #454 |
Retread
Name: Bill
Location: Arroyo Grande, Ca
Join Date: Apr 2011 Motorcycle(s): '04 Ninja 250(sold), 07 R6s Posts: 16
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August 3rd, 2011, 02:59 PM | #455 |
ninjette.org certified postwhore
Name: Bobbert
Location: Russell Springs, KY
Join Date: Jul 2011 Motorcycle(s): 2006 Ninja 250R Posts: A lot.
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I went with Dairyland because word of mouth and price.
Less than $100 a year. |
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August 3rd, 2011, 03:59 PM | #456 |
clutch
Name: nameless
Location: Maryland
Join Date: Jul 2011 Motorcycle(s): L1 GSXR600 Posts: 543
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I pay 138 a month for insurance for full coverage on a 2011 Subaru Legacy, no comp/collision on the 1997 Eagle Talon TSi, the 250r and renters insurance.
For specifics however, i pay 5 bucks a month for full coverage on the 250r. This is all through state farm. |
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August 4th, 2011, 07:15 AM | #457 |
ninjette.org sage
Name: Alex
Location: michigan
Join Date: Jul 2011 Motorcycle(s): 2008 Ninja 250r Posts: 784
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im 19 and i pay $120 a month for my 08 250 through progressive...was the cheapest i could find for my age
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August 4th, 2011, 11:50 AM | #458 |
ninjette.org certified postwhore
Name: Donger
Location: So CAL
Join Date: Dec 2009 Motorcycle(s): "Is that a Ninjer 1000?" Posts: A lot.
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When ur an old man like me 99 bucks a year. 500 ded.
Posted via Mobile Device |
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August 4th, 2011, 11:53 AM | #459 |
ninjette.org certified postwhore
Name: Eric
Location: Murfreesboro, TN
Join Date: Jun 2011 Motorcycle(s): '13 300 Posts: A lot.
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39yrs old ins was $450/yr on the 2004, traded to a 2011 and ins went up to 900+ for year (Nationwide)/
Swapped on 8/1 to Allstate and my ins on the 2011 is $650'ish /yr and I am getting way more optional coverage. plus $100 vanishing deductible each yr w/o a claim. |
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August 4th, 2011, 08:59 PM | #460 |
Ninja Noob
Name: Craig
Location: Norwalk, CT
Join Date: Jul 2011 Motorcycle(s): 2008 Ninja 250R Candy Plasma Blue Posts: 128
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31 years old in CT
$143 a year thru Progressive Policy coverages: Bodily Injury & Property Damage: $250,000 person/$500,000 accident/$100,000 property damage Uninsured/ Underinsured Motorist Bodily Injury: $25,000 person/$50,000 accident Medical Payments: No coverage Transport Trailer: No coverage Vehicle coverages for 2008KAWASAKIEX250-J Physical Damage Options: Actual Cash Value Comprehensive: $100 deductible Collision: $100 deductible Roadside Assistance: No coverage Accessory coverage: $3,000 (Included) |
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August 5th, 2011, 02:59 AM | #461 | |
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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Quote:
I suggest you look at the breakdown of your policy and find out the specific coverage that is costing so much and see if you can eliminate or modify it. I dumped collision on mine for that reason. Basically, about 60% of all motorcycle accidents are caused by cagers who are required to carry liability insurance. As long as they don't run off, I can get their insurance to fix my bike. I got an estimate at geico, and they were almost the worst at almost $1200 year. The part that drove up their policy was uninsured motorist protection and collision was reasonable. So each company is different. Also, and I don't know if this is true or not, but some insurance companies go by the bike's cc's when figuring the rate. Make sure you put the TRUE Ninja cc's which is 249cc NOT 250cc. They may have some kind of chart: 0-249cc = good rate 250 - 499 = bad rate 500 up = really bad rate I hear they also go by credit rating too, but I'm not sure to what extent.
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My Ninja Blog Proud member of ABATE.My NYC Road Rage documentary - CENSORED! |
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August 5th, 2011, 01:47 PM | #462 |
ninjette.org guru
Name: Brad
Location: Centerville, OH
Join Date: Jul 2011 Motorcycle(s): 2011 Ninja 250R SE (Green) Previous bikes R1, Daytona 675, GSXR600, Pre-Gen 250R Posts: 330
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I'm 41, married, no tickets. Riding a '11 250R. Full coverage with Progressive is $122 paid for the year.
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'11 Green SE - 2 Bros Blk Series CF, Factory Pro Jet Kit, Spiegler Lines, ZG Windscreen, Pazzo Levers, CW Fender Elim, Custom LED Integrated Tail Light, Protons, OEM Seat Cowl & Ti ProBolts. |
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August 17th, 2011, 03:28 PM | #463 |
ninjette.org member
Name: Ross
Location: NoVA
Join Date: Jul 2011 Motorcycle(s): '09 250R Posts: 214
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Bodily injury - 100k/300k
Property damage - 50k Comprehensive - 50 deductible No collision coverage $157/yr with Geico (all other insurances are with others) Age:35-40 State: VA No tickets last 3 yrs |
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August 17th, 2011, 07:43 PM | #464 |
ninjette.org member
Name: Marcus
Location: San Antonio, TX
Join Date: Aug 2011 Motorcycle(s): Green '08 Ninja 250R Posts: 32
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I pay ~$600/yr with Progressive here in TX.
Factors that keep my premium low include my good credit, no tickets/wrecks on my record, the MSF course, and the fact that it's a 250cc bike. On the other hand my total lack of experience on a motorcycle and my age, early 20's, have meant higher premiums I'm sure. It also doesn't help that I'm super paranoid about other drivers not having insurance or having enough insurance and I keep my UMBI limits really high to match my high BI/PD limits. I'm always worried about that 1 in 100 crash where you end up needing expensive surgeries, long-term therapy, etc. Maybe it doesn't help that I also work for another insurance company (one that doesn't insure bikes sadly) when it comes to being paranoid about my coverage limits Last futzed with by Apollo626; August 22nd, 2011 at 01:06 PM. |
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August 21st, 2011, 03:51 PM | #465 |
Blue Shell magnet
Name: Nolan
Location: Northwest Washington
Join Date: Aug 2011 Motorcycle(s): 1997 Ninja 250 Posts: 816
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Insurance
I'm in the process of looking for a ninja, but I'm more worried about insurance than I am about getting a great deal on the bike. I've read a few threads about insurance on bikes but what would you think insurance for a new ninja rider would be? I've only had my license for about a year, so that would make the price go up, right? Sorry I'm so much of a newbie I'm learning slowly but surely though, thanks to the awesome people on the forums
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August 21st, 2011, 03:54 PM | #466 |
New 2-Wheel Addict
Name: Reece
Location: Bardstown
Join Date: Aug 2011 Motorcycle(s): Blue 2009 250r Kawasaki Ninja Posts: 129
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I'm 16, no riding experience, no safety course, and only have my permit: $80/month
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August 21st, 2011, 03:54 PM | #467 |
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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Here's the reference thread for just about all insurance "how much should it be?" questions:
http://www.ninjette.org/forums/showthread.php?t=25926 /closed
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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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August 22nd, 2011, 01:09 PM | #468 | |
ninjette.org sage
Name: Alex
Location: michigan
Join Date: Jul 2011 Motorcycle(s): 2008 Ninja 250r Posts: 784
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Quote:
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August 22nd, 2011, 08:26 PM | #469 | |
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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Quote:
In any case, keep shopping around because not every company has the same rates. Also, look to see what you can drop so you don't have full coverage. Is insurance required where you live? Its not required in FL which may have something to do with the rates.
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My Ninja Blog Proud member of ABATE.My NYC Road Rage documentary - CENSORED! |
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August 22nd, 2011, 08:31 PM | #470 |
KThanksBye
Name: Kevin
Location: Orange County
Join Date: Mar 2011 Motorcycle(s): 2006 zx636r Posts: A lot.
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I'm 19 too, and I pay about $92 a month for full coverage, with progressive, wish it was cheaper
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----> My Youtube! <---- Unregistered, watch my youtube page! |
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August 23rd, 2011, 05:34 AM | #471 |
ninjette.org sage
Name: Alex
Location: michigan
Join Date: Jul 2011 Motorcycle(s): 2008 Ninja 250r Posts: 784
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the only reason i got that insurance was because my parents paid for it. i was originally going to buy an R6 and basic insurance because ive grown up with motorcycles and already had experience, but my parents told me that if i got the 250 then they would cover all of my insurance for me (full coverage). couldn't pass that up...
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September 2nd, 2011, 11:08 PM | #472 |
ninjette.org certified postwhore
Name: Paul
Location: Roanoke, VA
Join Date: Jun 2009 Motorcycle(s): 2008 Candy Plasma Blue 250R Posts: A lot.
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Oddly enough, I just got my annual renewal bill from Progressive. For the first three years, I'd been paying about $350-375/year for:
-Liability: Bodily $50,000/person, $100,000/accident -Liability: Property $40,000/accident -Uninsured Motorists: Bodily $50,000/person, $100,000/accident -Uninsured Motorists: Property $40,000/accident -$250 deductibles for Collision & other than collision (comprehensive) And of course, the free coverage for up to $3000 of aftermarket hardware. I still have one ticket on my record (I get one about every three years, which is how long they take to disappear) so that hasn't really changed. I haven't made any claims beyond the one right after I got the bike in '08. I'm now 27 years old. This year, it's dropped to $114/year. Same coverage. I bumped the deductibles to $100 each and it only went to $140/year. Wondering what happened, if I'm missing some form of coverage, etc. Or is it just me getting old?
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Proud member of the Blue Army |
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September 4th, 2011, 08:29 AM | #473 |
ninjette.org certified postwhore
Name: Cuong
Location: San Diego
Join Date: Jul 2010 Motorcycle(s): 2008 Ninja 250r, 2007 Daytona 675 Posts: A lot.
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You're getting old I think the bracket for riskiest drivers are males under 25. I think the bigger factor is how long your driving record is though.
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September 4th, 2011, 08:42 AM | #474 |
ninjette.org member
Name: Matt
Location: San Angelo, TX
Join Date: Aug 2011 Motorcycle(s): 2007 ZX6R Posts: 77
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Married, 27 years old, 2012 250, 1 ticket on record. Progressive full coverage with new model year replacement for 4 years and 250 deductable is $245/year through local dealership. Liability quote was less than $7/month. State Farm was $86/month full coverage on my 05 GSXR 600 back in 06 when I was 22, single, and had around 3 tickets on record.
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2012 Ninja 250 - SOLD 2007 Ninja ZX6R- 2 Bros exhaust, Puig w/s, OES sliders, hid high/low |
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September 27th, 2011, 08:06 PM | #475 |
ninjette.org member
Name: Patrick
Location: Alabama
Join Date: Aug 2011 Motorcycle(s): 09 black 250 Posts: 41
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what do you pay for insurance
Just curious what you guys pay in insurance for your ninja. I called my insurance guy and I thought it might have been a little bit lower than he quoted. I don't remember what it was its written on a pice of paper in my office but it was high $3XX something a year.
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September 27th, 2011, 08:16 PM | #476 |
Avid Kitteh Poster
Name: Justin
Location: Norcal
Join Date: Sep 2011 Motorcycle(s): 2006 Yamaha TTR 50 SUCK IT Posts: A lot.
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I havent got any yet
I think I have 30 days. But with the MSF BRC course and my license not my permit I got quoted $360 a year... so idk that doesnt seem that high to me. That was full coverage though... was your quote full coverage?
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I powdercoat stuff Help me pay for my addiction I say funny stuff. http://twitter.com/JustinPWNSyou sometimes... I write like a 12 year old too, http://justinpwnsyou.wordpress.com/ |
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September 27th, 2011, 08:17 PM | #477 |
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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/merged
__________________________________________________
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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September 27th, 2011, 08:20 PM | #478 |
ninjette.org certified postwhore
Name: John
Location: Illinois
Join Date: Aug 2011 Motorcycle(s): None yet, yet. Posts: A lot.
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$0. No bike yet :P
but it looks like a lot of you are paying up to $300 a year for full coverage... that's not bad
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The Rush is Addictive |
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September 27th, 2011, 08:23 PM | #479 |
Avid Kitteh Poster
Name: Justin
Location: Norcal
Join Date: Sep 2011 Motorcycle(s): 2006 Yamaha TTR 50 SUCK IT Posts: A lot.
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word.
I should add that I am 24 next month married and have one child.... I will update when I actually get the insurance. In the meantime lets cross our finger/hop/pray I dont get in a wreck yet Ill probably actually call my ins. broker tomorrow and get it, if they let me since I am waiting for my certificate to take to the DMV to actually get my license...
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I powdercoat stuff Help me pay for my addiction I say funny stuff. http://twitter.com/JustinPWNSyou sometimes... I write like a 12 year old too, http://justinpwnsyou.wordpress.com/ |
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September 27th, 2011, 08:28 PM | #480 |
ninjette.org member
Name: Patrick
Location: Alabama
Join Date: Aug 2011 Motorcycle(s): 09 black 250 Posts: 41
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yeah it was full
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