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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 |
August 28th, 2009, 11:09 AM | #161 |
ninjette.org member
Name: Jacob
Location: Matthews, NC
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja 250R Posts: 28
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My Progressive rep literally just left my office and he had me re quote my bike since the rates had come down a bit. It went from over twelve hundred to just over eleven hundred. Needless to say I laughed him outa the office!
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August 28th, 2009, 11:31 AM | #162 |
ninjette.org guru
Name: Z
Location: Long Island, NY
Join Date: May 2009 Motorcycle(s): 2009 Ninja 250R (sold) Posts: 356
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Are you 18 or something? 5 accidents?? Speeding tickets? Why is it so much?
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August 28th, 2009, 11:37 AM | #163 |
ninjette.org member
Name: Jason
Location: Evanston, Wyoming
Join Date: Jul 2009 Motorcycle(s): 2009 Kawi Ninja 250, Blue Posts: 28
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Default Progressive insurance, $164/yr. 26yrs old with one driving accident in the past three years.
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August 28th, 2009, 11:38 AM | #164 |
ninjette.org member
Name: John
Location: Asheville, NC
Join Date: Mar 2009 Motorcycle(s): '09 Red Ninja 250r Posts: 59
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I think I'm paying around $300 per year with Nationwide in Asheville, NC, 43 no tickets in many, many years. Hope my luck keeps holding out.
To me, it's strange the my motorcycle is not on the same policy as my two cars. |
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August 28th, 2009, 11:46 AM | #165 |
ninjette.org newbie
Name: pong
Location: seattle
Join Date: Jul 2009 Motorcycle(s): 2009 250r Posts: 9
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im 28.. state farm didnt ask me how long ive been riding.. although other companies did.. i have less than a year of even having insurance on a car.. and which my car is with geico.. 1 accident last year.. and im paying 26.77 a month full coverage.. geico wanted over a 100.. i googled cheap motorcycle insurance.. and saw a number which i called.. some third company thing.. that gets paid for names they refer.. well they have a list of cheapest insurance for certain age groups in my area.. which turned out great..
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August 28th, 2009, 12:19 PM | #166 |
ninjette.org member
Name: Jacob
Location: Matthews, NC
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja 250R Posts: 28
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Like I said I'm a commercial insurance agent. I specialize in writing tractor trailers but I have Progressive that I can write personal auto and motorcycle insurance with. I'm 25 with a clear record but every single state has a different insurance rate. So all this comparison of insurance from different states is pretty much moot.
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August 28th, 2009, 12:47 PM | #167 |
ninjette.org guru
Name: Z
Location: Long Island, NY
Join Date: May 2009 Motorcycle(s): 2009 Ninja 250R (sold) Posts: 356
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It confuses me because, I am 24, younger than you with a similar record in an area that is far more dangerous. New York has the 4th highest insurance premiums, NC has the 8th lowest. Yet Progressive gives me 40% lower than what they offer you. Just doesn't quite tally.... Maybe they are trying to move out of NC???
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August 28th, 2009, 12:57 PM | #168 |
ninjette.org member
Name: Jacob
Location: Matthews, NC
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja 250R Posts: 28
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As far as I know they aren't trying to move out of the area. There are so many factors at play when it comes to a company giving you a quote there really is no telling what's going on. That really baffles me how your quote is so low. Do you know if your comprehensive coverage covers theft in New York. It really wouldn't surprise me if they don't cover for theft up there.
Last futzed with by Immortalhippo; August 28th, 2009 at 12:58 PM. Reason: omitted a word |
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August 28th, 2009, 01:07 PM | #169 |
ninjette.org guru
Name: Z
Location: Long Island, NY
Join Date: May 2009 Motorcycle(s): 2009 Ninja 250R (sold) Posts: 356
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Yup. Theft and fire. I got the maximum coverage. Its 300/100/300 or something like that + Emergency flatbed.
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August 28th, 2009, 01:32 PM | #170 |
ninjette.org member
Name: Michelle
Location: Covina, CA
Join Date: Aug 2009 Motorcycle(s): 2008 Ninja 250R Posts: 89
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Type of Coverage: Full, which covers the bike with a $250 deductible, and riding gear (such as your jacket, pants, boots, helmet, and gloves)
Age: 23 Bike: 2008 Ninja 250 Carrier: Progressive Premium: $900 1-yr Location: Southern California |
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August 30th, 2009, 07:09 PM | #171 |
ATGATT Squid Killer
Name: Chad
Location: So. Cal
Join Date: May 2009 Motorcycle(s): '06 CBR600 Posts: 189
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I'm 26, perfect driving record, and brand new M1 endorsement. Minimum coverage + $100 deduct for comp., I paid like 212 for the year with Progressive.
That kid paying 90 a month is full of fail, rofl. |
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August 30th, 2009, 11:53 PM | #172 |
ninjette.org guru
Name: Andrew
Location: LA
Join Date: Aug 2009 Motorcycle(s): 07 GSXR600 (N250 sold :( ) Posts: 415
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How can I get the cheapest quote possible ? Im 17 so my dad has to be the main insured so how can I make it cheaper for me ? Should i put down that he rides 90% and me 10% or that i use it for pleasure instead of commuting ? even though I choose basic coverage im getting quotes over 1k and about 5k just for decent coverage.
edit : also If my bike is insured under my dads name but not mine, am I covered (accident / police stops) ? I know that if you live in the same household you have to list everyone who rides on the insurance butI don't live with my dad but the bike is kept at my house. the insurance company wouldn't know right ? Last futzed with by andrewexd; August 31st, 2009 at 01:03 AM. Reason: more |
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August 31st, 2009, 01:35 AM | #173 |
sir posts a lot
Name: michael
Location: HI
Join Date: Jul 2009 Motorcycle(s): '09 Black 250R Posts: 267
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As long as your name is on the card it shouldn't be a big deal.
The only thing you can do is not own a sport bike at the age of 17. Also try state farm they classify bikes by cc not by type. I mean no offense but you are soooo young that If you think a sports car is out of the question then what were you thinking about a sport bike??? Lol good luck with everything and just remember doing things you love cost money Posted via Mobile Device |
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August 31st, 2009, 02:00 AM | #174 | |
ninjette.org guru
Name: Andrew
Location: LA
Join Date: Aug 2009 Motorcycle(s): 07 GSXR600 (N250 sold :( ) Posts: 415
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Quote:
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August 31st, 2009, 09:19 AM | #175 |
ninjette.org member
Name: Mike
Location: Barrie, Ontario, Canada
Join Date: Mar 2009 Motorcycle(s): 2009 Ninja 250R SE Green Posts: 217
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26, liability with theft and vandalism, 1 ticket, been riding for just over 1 year. 09 ninja 250......$50/month....full coverage was quoted at $58/month
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August 31st, 2009, 09:23 AM | #176 | |
ninjette.org member
Name: Mike
Location: Barrie, Ontario, Canada
Join Date: Mar 2009 Motorcycle(s): 2009 Ninja 250R SE Green Posts: 217
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Quote:
full coverage was the same with a $500 deductable I believe (but don't quote me) that in Ontario you have to have a minimum of $1,000,000 liability (or that is the default min they quote you with and you have to ask if you want less anyways). |
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September 2nd, 2009, 11:55 AM | #177 |
ninjette.org member
Name: Andrew
Location: SC
Join Date: Aug 2009 Motorcycle(s): 2007 Suzuki GSX-R 750 Posts: 25
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$700/yr on a 2008 250R with State Farm. I have 2 cars and homeowners with them too, so you think I'd get a big discount, but I'm under 25 and unmarried so I guess that's why it's so high.
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September 3rd, 2009, 11:52 AM | #178 |
ninjette.org newbie
Name: Eric
Location: Ewing NJ
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja 250R SE Posts: 9
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I pay about $280 a year with Rider.
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September 17th, 2009, 09:35 AM | #179 |
ninjette.org newbie
Name: Rina
Location: Redmond
Join Date: Jun 2009 Motorcycle(s): 2008 Ninja 250R Black Posts: 7
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WA State, 23 years old, Progressive, Full Coverage, $816/Year.
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October 16th, 2009, 06:45 AM | #180 |
ninjette.org member
Name: J
Location: NYC
Join Date: Aug 2009 Motorcycle(s): RED 250R Posts: 112
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Lets Compare Insurance
2008 250EX, Full Coverage, $225 a year, GEICO.
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October 16th, 2009, 07:55 AM | #181 |
ninjette.org guru
Name: Jessica
Location: Calgary, Canada
Join Date: Jul 2009 Motorcycle(s): '09 Metallic Diablo Black Posts: 298
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October 16th, 2009, 08:45 AM | #182 |
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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I have no health insurance so I made sure to get uninsured motorist, medical, etc on my policy. It's also my primary transportation so I have to be insured even for potential run-ins with walls/pavement or out-right theft. That said, I'm doin' $50 a month with Progressive. I have a good driving history and am now 29yo. I started the policy Aug 08 when I was 27yo but I haven't renegotiated after a year plus of experience because I still don't have health insurance. Also, it would be much cheaper if I weren't paying monthly, but I just can't save up to pay a significant amount in advance (3, 6, or 12mo rates).
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October 16th, 2009, 01:01 PM | #183 |
=°°=
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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18 yrs old, Full Coverage, around $700 a year
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October 16th, 2009, 01:25 PM | #184 |
ninjette.org member
Name: bogdan
Location: Sofia, Bulgaria
Join Date: May 2009 Motorcycle(s): Kawasaki Z750 Posts: 244
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40 USD per year clear driving history, I am not aware of the coverige , but is binding insurance.
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Please, excuse my English, I am a foreigner, we even do not use the same alphabet around here. |
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October 16th, 2009, 03:12 PM | #185 |
ninjette.org member
Name: Michelle
Location: Covina, CA
Join Date: Aug 2009 Motorcycle(s): 2008 Ninja 250R Posts: 89
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2008 Ninja 250, 24 years old, California, $520... recently upgraded to full coverage for $930.
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October 16th, 2009, 03:17 PM | #186 |
.
Name: rock
Location: greenville, south carolina
Join Date: Jun 2009 Motorcycle(s): black Posts: A lot.
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Ninja 205 $288 per year, full coverage $500 deductible. State Farm.
CBR 1000RR $420 per year, full coverage $500 deductible. state farm. |
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October 16th, 2009, 04:11 PM | #187 |
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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Bump for "full coverage!"
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October 16th, 2009, 05:19 PM | #188 |
k1prototype
Name: k1prototype
Location: The world
Join Date: Jun 2009 Motorcycle(s): Ducati ST4 Posts: 93
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As many have previously said, insurance is very subjective based on your coverage and location. It's very difficult to compare insurance apples to apples, its more like apples to oranges. To just say you have full coverage or liability doesn't really mean anything. It can range anywhere from 20/40/15 (which is 20,000 per vehicle | 40,000 total per accident | 15,000 property damage) to the millions depending on what you want. Anyways here's mine:
GEICO 2008 KAWASAKI EX250-J NI Premium per year (living in Chicago's suburbs): $567.00 Coverages Limits / Deductibles Total Vehicle Bodily Injury Liability $50,000/$100,000 | $61.00 Property Damage Liability $50,000 | $15.00 Medical Payments $2,000 | $31.00 Uninsured Motorist Bodily Injury $50,000/$100,000 | $72.00 Underinsured Motorist $50,000/$100,000 | $46.00 Comprehensive $500 Ded. $74.00 Collision $500 Ded. $261.00 Towing and Labor Non Deductible $7.00 Also on a side note for those of you who aren't sure what exactly you have, don't be so ignorant and check on your coverage. The last thing you want is to be in a situation where you are screwed when time comes to file a claim on your car or bike. Good example: My friend living in Jersey with a 2001 25th anniversary Nissan Maxima recently got hit from behind trying to switch lanes. The police and the insurance company of the guy that hit him said because my friend was switching lanes the accident is his fault. If the guy would have hit him if he wouldn't have been switching lanes then the accident wouldn't be his fault. When he went to go file a claim with his insurance company they told him he only had liability and not full coverage. He's a student and when he told his dad needless to say his dad was surprised and pissed because my friends car is covered in his dad's policy along with his other cars, house, and business. The insurance agent apparently quoted his dad a cheap price to get him to buy the policy but my friends dad never paid attention to what he was getting. Now my friend has to pay about 4,000 in damages out of pocket.
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2001 Ducati ST4 Bleu 2008 Ninja 250R Rouge ~ Sold! |
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October 16th, 2009, 05:26 PM | #189 |
Some weird Canuck!
Name: Greg
Location: Ontario - Canada
Join Date: Dec 2008 Motorcycle(s): '92 CBR250RR "Babyblade", 2008 Ninja 250R, 2001 CBR600F4i Posts: 209
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Wow.. that sucks. I'm from Ontario also, we get screwed here in Canada. Anyways my bikes broken down:
'92 CBR250RR - $700/year '08 Ninja 250R - $900/year '01 CBR600F4i - $2100/year That is for a 24 year old with a few tickets on the record living Simcoe county (location matters, Toronto/GTA rates are actually higher then northern Ontario insurance rates.)
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I still like CBR's more Just kidding. |
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October 16th, 2009, 06:12 PM | #190 |
k1prototype
Name: k1prototype
Location: The world
Join Date: Jun 2009 Motorcycle(s): Ducati ST4 Posts: 93
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I'd hate to say this but i'm not surprised insurance rates are so high in Toronto. My aunt lives there and when I drove around there people really can't drive. I thought Chicago drivers on I-290 were bad heading into the city but personally I felt Toronto drivers were much worse.
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2001 Ducati ST4 Bleu 2008 Ninja 250R Rouge ~ Sold! |
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October 16th, 2009, 07:05 PM | #191 |
ninjette.org sage
Name: Chris
Location: Huntsville, AL
Join Date: May 2009 Motorcycle(s): 2009 Ninja 250 (sold) Posts: 755
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Im paying just under $1,000 a year for full coverage, with 1,000 dollar deductible. 20yrs old, had clean driving record at start of policy.
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October 16th, 2009, 08:02 PM | #192 |
Bliss
Name: Keryna
Location: San Diego
Join Date: Jan 2009 Motorcycle(s): Own: 2001 SV650S Sold: 2007 Ninja 250 Posts: 31
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27, $340 for full coverage w/$500 deductible. Just got a quote for my SV650 and it's gonna go up to $580 and the least they can give me is a $1000 deductible
Maybe I should try State Farm! |
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October 16th, 2009, 08:17 PM | #193 |
k1prototype
Name: k1prototype
Location: The world
Join Date: Jun 2009 Motorcycle(s): Ducati ST4 Posts: 93
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Like I posted in the other thread:
http://www.ninjette.org/forums/showt...t=25926&page=2 Insurance is subjective. To say full coverage with a certain price doesn't really mean anything. Full coverage can range from a barebones policy 20/40/15 to whatever you want. The more protection you want the more its going to cost. Lets post coverage amounts as well to get a true apples to apples comparison. Mine is 567 a year w/ Geico living in a suburb of Chicago. Coverage 50/100/50 I'm 26. Side note: make sure you know what your policy covers! Many people end up getting shafted when they find out their cheap insurance doesn't necessarily cover the cost of the accident. Case in point my friends story in the other thread.
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2001 Ducati ST4 Bleu 2008 Ninja 250R Rouge ~ Sold! |
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October 17th, 2009, 07:27 AM | #194 |
North Alabama Mtn. ryder
Name: Nate
Location: Alabama
Join Date: May 2009 Motorcycle(s): 2006 Posts: 537
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progressive full coverage $494 a year
I'm 30 and had 1 ticket for 15 over in the last three years..thank god they didn't ask about farther back
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QTRltrPWR |
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October 18th, 2009, 04:06 PM | #195 |
Crafty Salesman....
Name: Mike
Location: Las Anjules(L.A.)
Join Date: May 2009 Motorcycle(s): 09 250r, 06 sv650sf Posts: 170
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I'm 23 and I have 3 points on my license. I pay $275 a year for liability through Progressive.
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With -"IST" endings adding a negative connotation: Racist, Sexist, Polygamist, wouldn't a person who hates bikes be a cyclist? I am no longer part of the order of bike haters. I am a cycler. |
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November 10th, 2009, 06:46 PM | #196 |
ninjette.org guru
Name: Andrew
Location: LA
Join Date: Aug 2009 Motorcycle(s): 07 GSXR600 (N250 sold :( ) Posts: 415
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state farm is the best !! I got quoted for 12 bucks a month for liability only and this is for the GSXR600 not the ninja. I ended up getting 50/100/50 liability, uninsured motorist and 500 deduct for comp. (no collision) and it came out to about 600 a year or $50 a month. Collision would have added like 300 a year. and im only 17 (clean record of course )
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November 10th, 2009, 08:04 PM | #197 |
ninjette.org member
Name: Rob
Location: Montreal, Canada
Join Date: Apr 2009 Motorcycle(s): '09 Ninja 250R Posts: 171
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2009 Ninja 250R, 21, m, virgin driving record (Car license for 4 years, motorcycle since June 08).
Another thing people should add is big city or not. People living in small towns will never pay close to big city folks. I'm in the 2nd biggest city in Canada. You could also add credit score, some insurers use it but that's getting to personal, but just keep it in mind when you think about yours. 340$ CAD /year for: 1 mil liability 50,000 medical fire/theft/vandalism
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Back on the road again Season 2010 Dam it feels good! |
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November 11th, 2009, 10:14 AM | #198 |
ninjette.org member
Name: M
Location: Oklahoma
Join Date: Jun 2009 Motorcycle(s): Ninja 250 x2, Ninja 650R Posts: 165
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$42/year through State Farm for:
250/500 liability $250 deductible comprehensive I don't carry collision on either 250. |
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November 11th, 2009, 10:40 AM | #199 |
ninjette.org sage
Name: Josh
Location: Richmond VA
Join Date: Oct 2009 Motorcycle(s): 2008 Triumph Bonneville Black Posts: 627
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$250/yr, liability only w/Progressive.
It did go down about $50 after I had a year of riding experience. Was quoted $2,500/yr for full coverage! (22 with a lot of speeding tickets on my record) I think I am gonna check out State Farm when my current policy is up next summer. |
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November 11th, 2009, 10:42 AM | #200 |
ninjette.org certified postwhore
Name: Rick
Location: Alexandria, Louisiana
Join Date: Jan 2009 Motorcycle(s): 05 Blue Ninja 250 Posts: Too much.
MOTY - 2017, MOTM - Jan '19, Oct '16, May '14
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I pay $170 a year through State Farm.
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