June 29th, 2010, 10:26 AM | #1 |
ninjette.org sage
Name: Tin
Location: NJ
Join Date: Apr 2009 Motorcycle(s): 08 black 250r (sold); '09 black zx6r Posts: 903
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250r vs zx6r (insurance)
Wow...What a big difference.
If I remember correctly, I paid $251 a yr for full coverage with a $500 deductible on the 250r. Insurance on the zx6r is $798 for same coverage. Hopefully, this will give those who are ready to upgrade an idea of what to expect. |
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June 29th, 2010, 10:29 AM | #2 |
Ninjette CPT
Name: Vince
Location: jacksonville, fl
Join Date: May 2009 Motorcycle(s): Black 08 250r Posts: A lot.
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not to mention higher maintenance, more expensive tires, lower mpg, etc.
gotta love the 250r!! |
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June 29th, 2010, 10:32 AM | #3 |
ninjette.org certified postwhore
Name: Greg
Location: Rhode Island
Join Date: Apr 2009 Motorcycle(s): 2013 ZX6R 636 Posts: A lot.
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Shop aroind. I found prices from 500 to 1300.
Posted via Mobile Device |
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June 29th, 2010, 11:08 AM | #4 |
ninjette.org sage
Name: Tin
Location: NJ
Join Date: Apr 2009 Motorcycle(s): 08 black 250r (sold); '09 black zx6r Posts: 903
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June 29th, 2010, 11:11 AM | #5 |
ninjette.org sage
Name: Scott
Location: DFW TX
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja zx6r Posts: 609
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Yup. That's about what I am paying.
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June 29th, 2010, 11:13 AM | #6 |
ninjette.org member
Name: Peter
Location: San Francisco
Join Date: May 2010 Motorcycle(s): 2007 Kawasaki Ninja 250 Posts: 67
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Daaaayuuum... Was this same company, same discounts, no accidents in between too? I seem to recall insurance diff between 250 and a 500 was pretty negligible. Guess 600 is the tipping point?
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June 29th, 2010, 11:17 AM | #7 |
ninjette.org guru
Name: Anon
Location: Atlanta, GA
Join Date: Aug 2009 Motorcycle(s): 2008 Ninja 250 (Blue!) Posts: 488
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I checked recently on supersports and it was a similar % jump for me. Strangely, the 650cc twins weren't much less expensive than supersports for most of the companies I looked at.
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June 29th, 2010, 11:21 AM | #8 |
ninjette.org member
Name: Corey
Location: Oregon
Join Date: Feb 2010 Motorcycle(s): none yet Posts: 142
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Thats insane. How old are you and did you take the MSF course? I am 34 and my main bike is a hayabusa and my insurance is only $560 a year, for the same coverage. I think I only pay like $640 a year total for both bikes.
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Riding is not just something you do, It's a way of life!! |
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June 29th, 2010, 11:21 AM | #9 | |
ninjette.org sage
Name: Tin
Location: NJ
Join Date: Apr 2009 Motorcycle(s): 08 black 250r (sold); '09 black zx6r Posts: 903
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Quote:
According to the agent, the 250r doesn't fall into the sport bike category. |
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June 29th, 2010, 11:22 AM | #10 |
ninjette.org sage
Name: Tin
Location: NJ
Join Date: Apr 2009 Motorcycle(s): 08 black 250r (sold); '09 black zx6r Posts: 903
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I'm 28.... And yes I took the MSF course 8 yrs ago.
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June 29th, 2010, 11:24 AM | #11 |
ninjette.org member
Name: Corey
Location: Oregon
Join Date: Feb 2010 Motorcycle(s): none yet Posts: 142
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WOW!!!! Have you checked with state farm? Thats who I go through and I pay much much less then you.
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Riding is not just something you do, It's a way of life!! |
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June 29th, 2010, 12:28 PM | #12 |
ninjette.org member
Name: X
Location: Toronto
Join Date: Apr 2010 Motorcycle(s): 09 Ninja 250 SE Lime Green/Diablo Black Posts: 126
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I pay $790 a year for my 250r right now. :-( We're getting screwed here!
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June 29th, 2010, 12:32 PM | #13 |
Professional belly dancer
Name: James
Location: Toronto
Join Date: Apr 2009 Motorcycle(s): 1992 GSX-R 750 Posts: A lot.
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June 29th, 2010, 12:33 PM | #14 |
ex-ninjette.org guru :o
Name: Trevor
Location: Barrie, Ontario
Join Date: Jun 2010 Motorcycle(s): 2003 SV1000 S Posts: 475
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i'm going to be paying close to $1100 for the first year, but I'll get a way better rate when i renew next year cause I turn 30 and will have had my license for a year so they'll pro-rate the premium on the renewal date.
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June 29th, 2010, 12:37 PM | #15 |
FORMER MOTORCYCLE RIDER
Name: Steve
Location: On a Trek SU200 or in my CRX
Join Date: Dec 2008 Motorcycle(s): Rode an 08 250r then rode an 08 ZX-6R until i totaled it on 7/10/10 Posts: 758
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Mine went up $10 a month from 250 -> 600
I pay $217 a year , getting old has it's benefits |
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June 29th, 2010, 12:38 PM | #16 | |
Ninjette CPT
Name: Vince
Location: jacksonville, fl
Join Date: May 2009 Motorcycle(s): Black 08 250r Posts: A lot.
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Quote:
insurance varies quite a bit by region.... |
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June 29th, 2010, 12:42 PM | #17 |
ninjette.org sage
Name: Cindy
Location: Wethersfield, CT
Join Date: Apr 2010 Motorcycle(s): 2010 Ninja 250R Posts: 691
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::edit:: Vince beat me to it lol.
The rate doesn't only depend on age, accident history, etc but also the state you reside in. I faced a similar issue when I was debating between the 250 and the Yamaha FZ6R. The cheaper insurance on the 250 got me sold. |
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June 29th, 2010, 12:45 PM | #18 |
ninjette.org certified postwhore
Name: Greg
Location: Rhode Island
Join Date: Apr 2009 Motorcycle(s): 2013 ZX6R 636 Posts: A lot.
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June 29th, 2010, 12:52 PM | #19 | |
IC2(SW)
Name: Kerry
Location: Pensacola
Join Date: Nov 2008 Motorcycle(s): . Posts: A lot.
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Quote:
I really hate people saying go see state farm. There a dam ripp off down here |
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June 29th, 2010, 12:52 PM | #20 | |
ninjette.org sage
Name: Scott
Location: DFW TX
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja zx6r Posts: 609
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Quote:
What year is your hayabusa? |
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June 29th, 2010, 01:00 PM | #21 |
ninjette.org member
Name: Marc
Location: Montreal
Join Date: Jun 2009 Motorcycle(s): 09 250R, 08 connie 14, 08 honda ruckus(gave to mom) Posts: 92
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$300 for the ninja, $650 for the Connie here, that's fully insured and I'm 40yo....not bad, don't ask how much the plates are here
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June 29th, 2010, 01:06 PM | #22 |
ninjette.org guru
Name: Pat
Location: Barrie, Ontario
Join Date: Jun 2009 Motorcycle(s): 2009 Ninja 250 SE Posts: 338
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I'm at $432/yr for my 250, a Gixxer 750 is $945, a FZ1 would be $1124. Not sure what a 600/650 is yet.
Ontario sucks.
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2013 CRF250L 1985 GL1200 Interstate |
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June 29th, 2010, 01:10 PM | #23 | |
ninjette.org member
Name: Corey
Location: Oregon
Join Date: Feb 2010 Motorcycle(s): none yet Posts: 142
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Quote:
My busa is an '04 limited (I'm sure the limited has nothing to do with anything) That is very true, I never thought about it that way.
__________________________________________________
Riding is not just something you do, It's a way of life!! |
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June 29th, 2010, 01:14 PM | #24 |
Guest
Posts: n/a
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I guess it pays to be old in Canada....$356/year full coverage everything including complete replacement value in first two years. The thing they told that made the difference was the 30 years having a motorcycle licence. Didn't even care that I had not recently insured a bike as I am getting back into it!
BTW the cost for a Versey which was my upsize chocice was more than twice. So I think displacement and vehicle cost also plays a big role! |
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June 29th, 2010, 01:34 PM | #25 |
oh yes it is!
Name: :D
Location: Missouri
Join Date: Jun 2010 Motorcycle(s): 2010 Ninja 250R SE - SOLD 2004 CBR600RR Candy Blue (sportech wind Screen / OEM Sliders) Posts: 56
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my insurance, i will not mention any names (AM FAM) will not insured Ninja 600 and up i don't know why, but i get only $125 for the whole year.
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June 29th, 2010, 01:54 PM | #26 | |
Ninjette CPT
Name: Vince
Location: jacksonville, fl
Join Date: May 2009 Motorcycle(s): Black 08 250r Posts: A lot.
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Quote:
state farm and allstate are notorious for gouging people in florida. i had auto and home with allstate for 5 yrs, started price comparing, called and said i felt like i was overpaying. asked to review policies and see if premiums could be reduced (auto policy was originally written when i was 22 and homeowners at 25). they said "lower your coverage, not much else we can do". contacted a local broker, found out i was paying double what i should have been. effin' thieves......... |
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June 29th, 2010, 03:04 PM | #27 | |
ninjette.org sage
Name: Scott
Location: DFW TX
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja zx6r Posts: 609
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Quote:
I'm not much of a busa fan, but I can appreciate a nice bike. |
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June 29th, 2010, 03:05 PM | #28 |
ninjette.org sage
Name: Scott
Location: DFW TX
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja zx6r Posts: 609
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June 29th, 2010, 03:16 PM | #29 |
ninjette.org member
Name: Corey
Location: Oregon
Join Date: Feb 2010 Motorcycle(s): none yet Posts: 142
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This is very true. The problem with that is the insurance company doesn't take into account that this particular year model color is very very hard to replace. In this area anyway you can't find another one. Insurance companies don't care about those things though.
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Riding is not just something you do, It's a way of life!! |
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June 29th, 2010, 04:30 PM | #30 |
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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WOW! $798? That is insane.
I was quoted at $270/year for the ZX10, while my ninja runs just under that. That is full coverage too.
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--- My IG Page --- My FB page! --- 2022 Honda Navi && 2018 Z-125 Pro |
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June 29th, 2010, 05:07 PM | #31 |
ninjette.org sage
Name: Scott
Location: DFW TX
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja zx6r Posts: 609
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$270? Not sure how you can get full coverage on a new ZX10 for that amount unless you get some kind of privileged discount. Or your ZX10 is not new or near new which would not really be an apples to apples comparison.
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June 29th, 2010, 05:25 PM | #32 |
ninjette.org sage
Name: Andy
Location: Sheboygan, WI
Join Date: Dec 2008 Motorcycle(s): 1988 Honda Hawk NT650, 1989 Honda Hawk NT650, 1997 GSXR750 Track Bike Posts: 890
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American Family also told me they don't insure superbikes (I assume they meant supersports) for motorcyclists under the age 21.
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June 29th, 2010, 05:30 PM | #33 |
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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Progressive wanted $220 a month for my 250!! But esurance was only $39 a month? lol Im 23 and no tickets.
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June 29th, 2010, 06:01 PM | #34 |
ninjette.org member
Name: Corey
Location: Oregon
Join Date: Feb 2010 Motorcycle(s): none yet Posts: 142
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I don't know how your doing that either. A riding buddy of mine is rocking an '02 zx7r and he is paying more then me and he is 50 years old with a spotless record.
__________________________________________________
Riding is not just something you do, It's a way of life!! |
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June 29th, 2010, 06:57 PM | #35 |
Professional belly dancer
Name: James
Location: Toronto
Join Date: Apr 2009 Motorcycle(s): 1992 GSX-R 750 Posts: A lot.
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June 29th, 2010, 07:08 PM | #36 |
Livin' the Minimoto Life
Name: Mark
Location: Riding around in TX
Join Date: Mar 2009 Motorcycle(s): 2022 Honda Navi, 2018 Z-125 Pro Posts: A lot.
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That is what I was quoted via Geico. I don't know how, but they said for me to keep two bikes, including the 250, I would pay $540-570 a year (I can't remember the exact numbers). I have a flawless motorcycling record.
Oh, and it was quoting a brand new ZX10. Of course it was just a quote. I won't believe it until I get one, and throw it on my insurance.
__________________________________________________
--- My IG Page --- My FB page! --- 2022 Honda Navi && 2018 Z-125 Pro |
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June 29th, 2010, 08:57 PM | #37 |
oh yes it is!
Name: :D
Location: Missouri
Join Date: Jun 2010 Motorcycle(s): 2010 Ninja 250R SE - SOLD 2004 CBR600RR Candy Blue (sportech wind Screen / OEM Sliders) Posts: 56
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June 29th, 2010, 09:17 PM | #38 |
Ninjette Owner
Name: Rick
Location: Aiken County, SC
Join Date: Jun 2010 Motorcycle(s): 2009 Ninja 250R SE, a puddle of Ninja ZX6 Posts: 520
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I pay $95 a year for my '09 250. Progressive. But not full coverage, clean license and I have had my motorcyle endorsement since 1988.
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June 29th, 2010, 09:49 PM | #39 |
ninjette.org sage
Name: Tin
Location: NJ
Join Date: Apr 2009 Motorcycle(s): 08 black 250r (sold); '09 black zx6r Posts: 903
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I think the year of the bike has more to do with insurance rate than cc...
No state farm around here. Have to get it thru an agent.... Have you guys heard of Rider? Check them out.... |
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June 30th, 2010, 04:50 AM | #40 |
Fighting Texas Aggie '05
Name: Neil
Location: Hutto, TX
Join Date: Feb 2009 Motorcycle(s): '07 ZX6R, '08 Versys, '09 250R Track, '93 F2/F3 Track Posts: A lot.
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I don't keep full coverage on my 6R because its prohibitively expensive. At this point, it has been a worthwhile effort. First year quote was something like $1200 for a year everywhere. I have had the bike now for a couple years and have "saved" approx $2500 or so. That would have been enough to replace any typical crash damage to the bike / barring total destruction. Its a calculated risk but sometimes it makes sense. FYI I am about to be 27, have good credit, and nothing on my record.
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