How much are you paying for Insurance? - Page 12

noob1220 · June 28th, 2011, 07:20 PM

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.

DarC · June 28th, 2011, 07:30 PM

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.

DarkNinja52 · July 5th, 2011, 06:59 PM

liability only $200 a year with progressive, NY.

MSF course and 22 years old

zem · July 5th, 2011, 07:05 PM

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.

Johnnyscoots · July 5th, 2011, 10:59 PM

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

Peanut_EOD · July 5th, 2011, 11:16 PM

$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.

Oaklandish · July 5th, 2011, 11:36 PM

$175 liability only and dual policy discount. 27 in northern cali

progressive

n4mwd · July 6th, 2011, 05:36 AM

It would be nice to know how the rates correlate with states that require insurance and those that don't.

mishka · July 6th, 2011, 06:41 AM

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.

Willy · July 6th, 2011, 10:40 AM

$202 per year for full coverage in CA. I was quoted $75 for liability only

Oaklandish · July 6th, 2011, 11:14 AM

Quote:

Originally Posted by Willy

$202 per year for full coverage in CA. I was quoted $75 for liability only

what company and part of cali????

Bosgarage57 · July 6th, 2011, 11:17 AM

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.

Live2ride · July 6th, 2011, 11:46 AM

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

Willy · July 6th, 2011, 08:27 PM

Quote:

Originally Posted by Oaklandish

what company and part of cali????

Progressive, I am in Arroyo Grande, 80 miles north of Santa Barbara.
A lot depends on your location.
I think that they also took into account that I have been riding for 40+ years.

Bill

kyrider · August 3rd, 2011, 02:59 PM

I went with Dairyland because word of mouth and price.

Less than $100 a year.

burningscooter · August 3rd, 2011, 03:59 PM

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.

azimmer11 · August 4th, 2011, 07:15 AM

im 19 and i pay $120 a month for my 08 250 through progressive...was the cheapest i could find for my age

adri99an · August 4th, 2011, 11:50 AM

When ur an old man like me 99 bucks a year. 500 ded.
Posted via Mobile Device

EsrTek · August 4th, 2011, 11:53 AM

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.

BFisher244 · August 4th, 2011, 08:59 PM

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)

n4mwd · August 5th, 2011, 02:59 AM

Quote:

Originally Posted by azimmer11

im 19 and i pay $120 a month for my 08 250 through progressive...was the cheapest i could find for my age

Progressive was the cheapest for me too, but I'm only paying $160 a year. Or was that a typo and you meant to say "year" and not "month"? Have you had a bunch of wrecks and DUI convictions? Or is your only crime that you are 19?

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.

2011Ninja250R · August 5th, 2011, 01:47 PM

I'm 41, married, no tickets. Riding a '11 250R. Full coverage with Progressive is $122 paid for the year.

kcaja1 · August 17th, 2011, 03:28 PM

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

Apollo626 · August 17th, 2011, 07:43 PM

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

Mocha Man · August 21st, 2011, 03:51 PM

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

AeroXtasy · August 21st, 2011, 03:54 PM

I'm 16, no riding experience, no safety course, and only have my permit: $80/month

Alex · August 21st, 2011, 03:54 PM

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

azimmer11 · August 22nd, 2011, 01:09 PM

Quote:

Originally Posted by n4mwd

Progressive was the cheapest for me too, but I'm only paying $160 a year. Or was that a typo and you meant to say "year" and not "month"? Have you had a bunch of wrecks and DUI convictions? Or is your only crime that you are 19?

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.

my record is completely clean. never been pulled over or been in an accident. im pretty sure its only because i am 19

n4mwd · August 22nd, 2011, 08:26 PM

Quote:

Originally Posted by azimmer11

my record is completely clean. never been pulled over or been in an accident. im pretty sure its only because i am 19

Insurance companies tend to screw unmarried males under 25. Its like a rule for them. When I turned 25, my auto rates dropped like a rock. Married guys, if they are lucky enough to get to keep the bike in lieu of the minivan, tend to drive slow and careful so the kids don't fall off the back so their rates are low too.

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.

Kevin2109 · August 22nd, 2011, 08:31 PM

Quote:

Originally Posted by azimmer11

im 19 and i pay $120 a month for my 08 250 through progressive...was the cheapest i could find for my age

I'm 19 too, and I pay about $92 a month for full coverage, with progressive, wish it was cheaper

azimmer11 · August 23rd, 2011, 05:34 AM

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...

Momaru · September 2nd, 2011, 11:08 PM

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?

Cuongism · September 4th, 2011, 08:29 AM

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.

nightmarechevy · September 4th, 2011, 08:42 AM

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.

Rys · September 27th, 2011, 08:06 PM

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.

massacremasses · September 27th, 2011, 08:16 PM

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?

Alex · September 27th, 2011, 08:17 PM

/merged

Heed · September 27th, 2011, 08:20 PM

$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

massacremasses · September 27th, 2011, 08:23 PM

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...

Rys · September 27th, 2011, 08:28 PM

yeah it was full

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

July 5th, 2011, 06:59 PM	#443
DarkNinja52 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	liability only $200 a year with progressive, NY. MSF course and 22 years old __________________________________________________

July 5th, 2011, 07:05 PM	#444
zem Matress Name: Sebastian Location: Phoenix Join Date: May 2011 Motorcycle(s): Blue 04 Ninja 250 Posts: 52	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. __________________________________________________ If there's anything more important than my ego around, I want it caught and shot right now

July 5th, 2011, 10:59 PM	#445
Johnnyscoots Over 40 Ninjette Owner Name: John Location: Denver, Pa Join Date: May 2010 Motorcycle(s): 2008 Kawasaki VN900C (Black), 2009 Kawasaki Ninja 250R (Red/Two Bros. Slip on, 41 Tooth Rear Sprocket) Posts: 77	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 __________________________________________________ So Long, and Thanks for All The Fish! Vulcan 900 Custom: Cafe windscreen, OEM backrest and Lockable side cases!!!

July 5th, 2011, 11:16 PM	#446
Peanut_EOD ninjette.org sage Name: Peanut Location: Senoia, GA Join Date: Feb 2011 Motorcycle(s): Green 2013 ZX-6R Posts: 723	$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. __________________________________________________ http://www.simplysurrealphotography....es/peanut2.png

June 28th, 2011, 07:20 PM	#441
noob1220 ninjette.org member Name: Valerie Location: south central PA Join Date: May 2011 Motorcycle(s): 2011 Ninja 250R SE White Posts: 58	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.

June 28th, 2011, 07:30 PM	#442
DarC DUCEATR Name: Dan Location: El Paso, Texas Join Date: Apr 2011 Motorcycle(s): RVT1000R Posts: 628	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.

July 5th, 2011, 11:36 PM	#447
Oaklandish ninjette.org member Name: Rowan Location: oakland, kawifornia Join Date: Jun 2011 Motorcycle(s): 2002 ninja 250 Posts: 96	$175 liability only and dual policy discount. 27 in northern cali progressive

July 6th, 2011, 05:36 AM	#448
n4mwd 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	It would be nice to know how the rates correlate with states that require insurance and those that don't.

July 6th, 2011, 06:41 AM	#449
mishka ninjette.org member Name: Paul Location: Atlanta, GA Join Date: Jul 2011 Motorcycle(s): 2008 Ninja 250R Posts: 48	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.

July 6th, 2011, 10:40 AM	#450
Willy Retread Name: Bill Location: Arroyo Grande, Ca Join Date: Apr 2011 Motorcycle(s): '04 Ninja 250(sold), 07 R6s Posts: 16	$202 per year for full coverage in CA. I was quoted $75 for liability only

July 6th, 2011, 11:17 AM	#452
Bosgarage57 ninjette.org sage Name: Luke Location: Sevierville, TN Join Date: May 2011 Motorcycle(s): 06 Buell Uly, 05 VStar 1100 Posts: 577	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.

July 6th, 2011, 11:46 AM	#453
Live2ride 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.	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 __________________________________________________

August 3rd, 2011, 02:59 PM	#455
kyrider ninjette.org certified postwhore Name: Bobbert Location: Russell Springs, KY Join Date: Jul 2011 Motorcycle(s): 2006 Ninja 250R Posts: A lot.	I went with Dairyland because word of mouth and price. Less than $100 a year.

August 3rd, 2011, 03:59 PM	#456
burningscooter clutch Name: nameless Location: Maryland Join Date: Jul 2011 Motorcycle(s): L1 GSXR600 Posts: 543	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.

August 4th, 2011, 07:15 AM	#457
azimmer11 ninjette.org sage Name: Alex Location: michigan Join Date: Jul 2011 Motorcycle(s): 2008 Ninja 250r Posts: 784	im 19 and i pay $120 a month for my 08 250 through progressive...was the cheapest i could find for my age

August 4th, 2011, 11:50 AM	#458
adri99an ninjette.org certified postwhore Name: Donger Location: So CAL Join Date: Dec 2009 Motorcycle(s): "Is that a Ninjer 1000?" Posts: A lot.	When ur an old man like me 99 bucks a year. 500 ded. Posted via Mobile Device

August 4th, 2011, 11:53 AM	#459
EsrTek ninjette.org certified postwhore Name: Eric Location: Murfreesboro, TN Join Date: Jun 2011 Motorcycle(s): '13 300 Posts: A lot.	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.

August 4th, 2011, 08:59 PM	#460
BFisher244 Ninja Noob Name: Craig Location: Norwalk, CT Join Date: Jul 2011 Motorcycle(s): 2008 Ninja 250R Candy Plasma Blue Posts: 128	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)

August 5th, 2011, 01:47 PM	#462
2011Ninja250R 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	I'm 41, married, no tickets. Riding a '11 250R. Full coverage with Progressive is $122 paid for the year. __________________________________________________ '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.

August 17th, 2011, 03:28 PM	#463
kcaja1 ninjette.org member Name: Ross Location: NoVA Join Date: Jul 2011 Motorcycle(s): '09 250R Posts: 214	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

August 17th, 2011, 07:43 PM	#464
Apollo626 ninjette.org member Name: Marcus Location: San Antonio, TX Join Date: Aug 2011 Motorcycle(s): Green '08 Ninja 250R Posts: 32	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.

August 21st, 2011, 03:51 PM	#465
Mocha Man Blue Shell magnet Name: Nolan Location: Northwest Washington Join Date: Aug 2011 Motorcycle(s): 1997 Ninja 250 Posts: 816	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

August 21st, 2011, 03:54 PM	#466
AeroXtasy New 2-Wheel Addict Name: Reece Location: Bardstown Join Date: Aug 2011 Motorcycle(s): Blue 2009 250r Kawasaki Ninja Posts: 129	I'm 16, no riding experience, no safety course, and only have my permit: $80/month

August 21st, 2011, 03:54 PM	#467
Alex 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	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 __________________________________________________ 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)

August 23rd, 2011, 05:34 AM	#471
azimmer11 ninjette.org sage Name: Alex Location: michigan Join Date: Jul 2011 Motorcycle(s): 2008 Ninja 250r Posts: 784	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...

September 2nd, 2011, 11:08 PM	#472
Momaru ninjette.org certified postwhore Name: Paul Location: Roanoke, VA Join Date: Jun 2009 Motorcycle(s): 2008 Candy Plasma Blue 250R Posts: A lot.	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? __________________________________________________ Proud member of the Blue Army

September 4th, 2011, 08:29 AM	#473
Cuongism ninjette.org certified postwhore Name: Cuong Location: San Diego Join Date: Jul 2010 Motorcycle(s): 2008 Ninja 250r, 2007 Daytona 675 Posts: A lot.	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.

September 4th, 2011, 08:42 AM	#474
nightmarechevy ninjette.org member Name: Matt Location: San Angelo, TX Join Date: Aug 2011 Motorcycle(s): 2007 ZX6R Posts: 77	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. __________________________________________________ 2012 Ninja 250 - SOLD 2007 Ninja ZX6R- 2 Bros exhaust, Puig w/s, OES sliders, hid high/low

September 27th, 2011, 08:06 PM	#475
Rys ninjette.org member Name: Patrick Location: Alabama Join Date: Aug 2011 Motorcycle(s): 09 black 250 Posts: 41	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.

September 27th, 2011, 08:16 PM	#476
massacremasses Avid Kitteh Poster Name: Justin Location: Norcal Join Date: Sep 2011 Motorcycle(s): 2006 Yamaha TTR 50 SUCK IT Posts: A lot.	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? __________________________________________________ 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/

September 27th, 2011, 08:17 PM	#477
Alex 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	/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)

September 27th, 2011, 08:20 PM	#478
Heed ninjette.org certified postwhore Name: John Location: Illinois Join Date: Aug 2011 Motorcycle(s): None yet, yet. Posts: A lot.	$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 __________________________________________________ The Rush is Addictive

September 27th, 2011, 08:23 PM	#479
massacremasses Avid Kitteh Poster Name: Justin Location: Norcal Join Date: Sep 2011 Motorcycle(s): 2006 Yamaha TTR 50 SUCK IT Posts: A lot.	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... __________________________________________________ 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/

September 27th, 2011, 08:28 PM	#480
Rys ninjette.org member Name: Patrick Location: Alabama Join Date: Aug 2011 Motorcycle(s): 09 black 250 Posts: 41	yeah it was full