So a did an insurance quote on a bigger bike... - Page 2

Pure Lunacy · October 22nd, 2011, 05:32 PM

I guess I can't complain...$78 a year for the pint size Ninja, $180 for my 2000cc Vulcan, & $145 for the Vulcan 800.
The Ninja is just liability, the other 2 are full coverage.

Many people are getting squeezed big time, & it can royally suck!

WhiteRice · October 22nd, 2011, 05:33 PM

You could buy a new ninja every year

zilaniz · October 22nd, 2011, 05:53 PM

If you are in one of the states that offers RIDER insurance they are 95% of the time the cheapest

TheTopher · October 23rd, 2011, 08:35 PM

I've got every coverage imaginable on my ninja and it's $1500 a year. I got quoted on a 2011 FZ6R and it would go up to $7000 a year.

I'm with you guys. This ninja's not going anywhere for a while.

Firehorse · October 23rd, 2011, 09:48 PM

Quote:

Originally Posted by massacremasses

I did just get my license but still... that seemed like a lot...

If it's like mine, it will be chopped in half after you've had your first year of having a license. All the places my broker checked had high rates for the first year that went down to half on the anniversary date.

Worth asking before you switch.

massacremasses · October 23rd, 2011, 09:53 PM

Quote:

Originally Posted by Firehorse

If it's like mine, it will be chopped in half after you've had your first year of having a license. All the places my broker checked had high rates for the first year that went down to half on the anniversary date.

Worth asking before you switch.

yeah Im hoping so... Ill also be just shy of 25 when I get it renewed here in the states thats the magic age where your ins. drops.

Firehorse · October 23rd, 2011, 09:57 PM

Quote:

Originally Posted by massacremasses

yeah Im hoping so... Ill also be just shy of 25 when I get it renewed here in the states thats the magic age where your ins. drops.

I'm way over any magic age but I'm the magic gender. State Farm wouldn't insure me because I didn't have a car license even though my house & the Bigger Half's truck are with them. Grr.

Does the states still penalize male riders/drivers?

massacremasses · October 23rd, 2011, 10:32 PM

Quote:

Originally Posted by Firehorse

I'm way over any magic age but I'm the magic gender. State Farm wouldn't insure me because I didn't have a car license even though my house & the Bigger Half's truck are with them. Grr.

Does the states still penalize male riders/drivers?

Yes. :/

although IDK why because current statistics have shown females are just as bad and starting to get worse then males.... go figure

even testosterone cant be worse then the indecisiveness of the young female driver... (im talking 16-18ish girls) ugh

Firehorse · October 23rd, 2011, 10:39 PM

Quote:

Originally Posted by massacremasses

Yes. :/

although IDK why because current statistics have shown females are just as bad and starting to get worse then males.... go figure

even testosterone cant be worse then the indecisiveness of the young female driver... (im talking 16-18ish girls) ugh

OOoo, beg to differ with the stats but maybe those stats include those damn idiots texting. I think all women in the future will have bent necks. My MSF class showed that for motorcycles it's still kinda bad for young men compared to women. I hope we never catch up

I'm not afraid of the young female drivers 'cos they slow down thinking I'm a hot young male biker, heh heh. You'd be surprised how fast I can stuff my hair into my jacket if need be.

It's the stressed out soccer Moms in big SUVs that freak me out

Hey, maybe those young girls are being indecisive because they're trying to decide if you're a hottie?

massacremasses · October 24th, 2011, 06:58 AM

Quote:

Originally Posted by Firehorse

OOoo, beg to differ with the stats but maybe those stats include those damn idiots texting. I think all women in the future will have bent necks. My MSF class showed that for motorcycles it's still kinda bad for young men compared to women. I hope we never catch up

I'm not afraid of the young female drivers 'cos they slow down thinking I'm a hot young male biker, heh heh. You'd be surprised how fast I can stuff my hair into my jacket if need be.

It's the stressed out soccer Moms in big SUVs that freak me out

Hey, maybe those young girls are being indecisive because they're trying to decide if you're a hottie?

lol that was straight from the mouth of my state mandated drivers training class in High School. Granted that was 9 years ago... but Im assuming its worse at this point. Soccer moms are scary as well, but here Im afraid to ride by the high school at lunch because there is a SERIOUS chance I will get plowed into by one of the kids driving...

but yeah youre probably right on the last part

for some reason jr. high age girls think im the cutest... its so weird. haha

capriccio · October 26th, 2011, 12:38 PM

My 250 was quote $2500/year from Allstate for almost full coverage. So I went with Geico for $260/year, same coverage.

Idk why but among big4 600cc, the quote for Zx6r is always the lowest ($600/year), the other 3 are the same $1000/year. Surprisingly, if I can afford a Duc 1098, it will only cost me $700/year. I really have no idea where insurance companies get those number from ?

massacremasses · October 26th, 2011, 01:18 PM

Quote:

Originally Posted by capriccio

My 250 was quote $2500/year from Allstate for almost full coverage. So I went with Geico for $260/year, same coverage.

Idk why but among big4 600cc, the quote for Zx6r is always the lowest ($600/year), the other 3 are the same $1000/year. Surprisingly, if I can afford a Duc 1098, it will only cost me $700/year. I really have no idea where insurance companies get those number from ?

bikes that jackass's who like doing wheelies down the freeway like....

TheTopher · October 26th, 2011, 03:09 PM

Quote:

Originally Posted by massacremasses

bikes that jackass's who like doing wheelies down the freeway like....

blink · October 27th, 2011, 12:06 PM

Quote:

Originally Posted by rusninja

I am 19 no license or msf yet i got quoted full coverage 98 bucks a month :S take away collision It goes to 45 bucks a month 228 a year for liability 50/100/25 on all of em.

Poor justin no one really does like you >.< but you got me. :P

I'm 18, here msf doesn't do anything. And for the gxxr600 im doing 425 a year.
Which is better than 1200 for the jeep

Mocha Man · October 29th, 2011, 06:55 PM

Jeeze, $1300 seems like a lot but I guess it depends on where you live and other factors. I'd say just stick with the ninjette considering you could have 3 years of ninjette insurance with 1 year of a 600cc insurance

MrInformation · November 15th, 2011, 04:05 AM

Quote:

Originally Posted by WhiteRice

Right now I pay $350 per year for my Ninjette.

For a 2008 Honda CBR600RR my quote was $1300...

Looks like I'm going to have to wait a year...

I still think you should shop around. There are many providers out there.

How old are you if I may ask?

Also check out the average motorcycle insurance rates to see based on your age if you are in the right range.

SES2009 · December 24th, 2011, 07:59 PM

I just insured a 2008 Daytona 675 with State Farm... Full coverage and Uninsured motorist is $40 a month or $480 per year.

squaregamer476 · January 2nd, 2012, 01:55 AM

is 1000/yr an average for a 600cc bike?
that would be a big jump since im only paying 113/yr for my 250. hmmmm....i might have stick with the 250. i havent got a quote yet tho.

massacremasses · January 2nd, 2012, 07:27 AM

Quote:

Originally Posted by squaregamer476

is 1000/yr an average for a 600cc bike?
that would be a big jump since im only paying 113/yr for my 250. hmmmm....i might have stick with the 250. i havent got a quote yet tho.

depends on where you are located, who you get it with, what kind of 600cc bike you are getting and the biggest thing is how long you have had your license.

rusninja · January 3rd, 2012, 01:05 AM

So i checked progressive quotes it was 30/60/15k if i can remember 500 duc for comp and coll.
for 2008s
250 was like 780 yr

I check the daytona 675 at about 1.5k a year

Also a zx6r 2.8k a year

Had my m1 since 11/14 and 19 yrs old. :S

massacremasses · January 3rd, 2012, 08:29 AM

Quote:

Originally Posted by rusninja

So i checked progressive quotes it was 30/60/15k if i can remember 500 duc for comp and coll.
for 2008s
250 was like 780 yr

I check the daytona 675 at about 1.5k a year

Also a zx6r 2.8k a year

Had my m1 since 11/14 and 19 yrs old. :S

I thought I remember you saying it was less than that.... Im only at $360 a year with my 250. A GSXR was gonna be like $1100 though :/

Kevin2109 · January 3rd, 2012, 08:51 AM

Idk about you guys... But im 19, and pay $87 a month ($1044 a year) for my 636

massacremasses · January 3rd, 2012, 09:15 AM

Quote:

Originally Posted by Kevin2109

Idk about you guys... But im 19, and pay $87 a month ($1044 a year) for my 636

thats about what I would pay with minimum coverage. Ive only had my M1 for about 4 months though I think its been.

Kevin2109 · January 3rd, 2012, 09:17 AM

Quote:

Originally Posted by massacremasses

thats about what I would pay with minimum coverage. Ive only had my M1 for about 4 months though I think its been.

I have full coverage, not one thing missing. I know my insurance dude hooked me up though, he said I've been riding for 3 years, and belonged in the Harley group thing lol The Harley thing by its self saved me 5%

Alex · January 3rd, 2012, 11:18 AM

Quote:

Originally Posted by Kevin2109

I have full coverage, not one thing missing.

At what deductible, and with what limits?

Kevin2109 · January 3rd, 2012, 11:23 AM

Quote:

Originally Posted by Alex

At what deductible, and with what limits?

$250 duct

I dont have my sheet in front of me, I just emailed my insurance dude, ill let you know

Alex · January 3rd, 2012, 11:26 AM

OK - but I'm less concerned about me knowing than I am about you knowing. Cheap insurance can sometimes be just that, cheap. There is no universal standard of "full coverage" that is exactly the right amount for everybody. The state minimums of 15k/30k are a joke, and will be exhausted quickly if the injured party has any moderate injuries, and suddenly the rest of the assets you own (and future earnings) become fair game.

Kevin2109 · January 3rd, 2012, 11:42 AM

Quote:

Originally Posted by Alex

OK - but I'm less concerned about me knowing than I am about you knowing. Cheap insurance can sometimes be just that, cheap. There is no universal standard of "full coverage" that is exactly the right amount for everybody. The state minimums of 15k/30k are a joke, and will be exhausted quickly if the injured party has any moderate injuries, and suddenly the rest of the assets you own (and future earnings) become fair game.

I know its full, I made sure, its no where min, i did $150,000/$300,000 or $250,00/$500,000, thats what I cant remember

Alex · January 3rd, 2012, 11:56 AM

HKr1 · January 3rd, 2012, 02:12 PM

Quote:

Originally Posted by Alex

OK - but I'm less concerned about me knowing than I am about you knowing. Cheap insurance can sometimes be just that, cheap. There is no universal standard of "full coverage" that is exactly the right amount for everybody. The state minimums of 15k/30k are a joke, and will be exhausted quickly if the injured party has any moderate injuries, and suddenly the rest of the assets you own (and future earnings) become fair game.

Yeah thats for sure... just think if you hit something with 4 clowns in it, and there all saying there hurt

rusninja · January 3rd, 2012, 04:48 PM

Quote:

Originally Posted by massacremasses

I thought I remember you saying it was less than that.... Im only at $360 a year with my 250. A GSXR was gonna be like $1100 though :/

i was talking about minimum last time :S id get like liability and comp with 500 dec for like 360 :S

massacremasses · January 3rd, 2012, 05:35 PM

Quote:

Originally Posted by rusninja

i was talking about minimum last time :S id get like liability and comp with 500 dec for like 360 :S

yeah I think it is minimum. I think wed pay about the same then.... which is pretty nuts in the grand scheme of things since im 24 and have a wife and child...

squaregamer476 · January 4th, 2012, 10:54 PM

Quote:

Originally Posted by 2.5LGT

I got quoted 5800 a year for a BMW S1000rr

$5800 /yr for that bike? its so discouraging.

NDspd · January 9th, 2012, 05:05 AM

I'm 20 with only on ticket on my record (no speeding), and I'm from Ohio.

It's about $650 per year for me just on the 250R.

I can't wait until I'm 25.

massacremasses · January 9th, 2012, 08:27 AM

Quote:

Originally Posted by NDspd

I'm 20 with only on ticket on my record (no speeding), and I'm from Ohio.

It's about $650 per year for me just on the 250R.

I can't wait until I'm 25.

I heard that its not that much of a difference anymore, but I guess Ill find out in October... lol

NDspd · January 9th, 2012, 01:45 PM

Hmmm...not sure

massacremasses · January 9th, 2012, 01:55 PM

I will let you know....

I hope its cheaper. My sister and brother inlaw are 4 years older than me and my wife and they pay about $50 less than we do a month and have almost exactly the same cars. They have a little bit nicer of a new one (a 2009 Corolla we have 2011 Fiesta) and then we both have 90s corollas... so age is the only difference

Asspire · January 9th, 2012, 08:37 PM

Quote:

Originally Posted by squaregamer476

$5800 /yr for that bike? its so discouraging.

my bro got quoted $7000/year for a 2011 zx-6

Canada FTW!

choneofakind · January 9th, 2012, 08:55 PM

I'm waiting till I graduate college to get a bigger bike. Depending on how the insurance looks, I might wait till I'm 25 to get a bigger one and get a new 250R and mod the heck out of it.

massacremasses · January 10th, 2012, 03:34 PM

why it still wont be that fast?

January 3rd, 2012, 01:05 AM	#60
rusninja Ninjette wanabe :D Name: Ruslan Location: San Jose Join Date: Apr 2011 Motorcycle(s): white 300 :D Posts: A lot.	So i checked progressive quotes it was 30/60/15k if i can remember 500 duc for comp and coll. for 2008s 250 was like 780 yr I check the daytona 675 at about 1.5k a year Also a zx6r 2.8k a year Had my m1 since 11/14 and 19 yrs old. :S __________________________________________________ VROOOM vrooom >.>

January 3rd, 2012, 08:51 AM	#62
Kevin2109 KThanksBye Name: Kevin Location: Orange County Join Date: Mar 2011 Motorcycle(s): 2006 zx636r Posts: A lot.	Idk about you guys... But im 19, and pay $87 a month ($1044 a year) for my 636 __________________________________________________ ----> My Youtube! <---- Unregistered, watch my youtube page!

January 3rd, 2012, 11:26 AM	#67
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	OK - but I'm less concerned about me knowing than I am about you knowing. Cheap insurance can sometimes be just that, cheap. There is no universal standard of "full coverage" that is exactly the right amount for everybody. The state minimums of 15k/30k are a joke, and will be exhausted quickly if the injured party has any moderate injuries, and suddenly the rest of the assets you own (and future earnings) become fair game. __________________________________________________ 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)

January 3rd, 2012, 11:56 AM	#69
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	__________________________________________________ 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)

January 9th, 2012, 01:55 PM	#77
massacremasses Avid Kitteh Poster Name: Justin Location: Norcal Join Date: Sep 2011 Motorcycle(s): 2006 Yamaha TTR 50 SUCK IT Posts: A lot.	I will let you know.... I hope its cheaper. My sister and brother inlaw are 4 years older than me and my wife and they pay about $50 less than we do a month and have almost exactly the same cars. They have a little bit nicer of a new one (a 2009 Corolla we have 2011 Fiesta) and then we both have 90s corollas... so age is the only difference __________________________________________________ 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/

October 22nd, 2011, 05:32 PM	#41
Pure Lunacy ninjette.org member Name: Tim Location: Jay, Maine Join Date: Aug 2011 Motorcycle(s): '06 Vulcan V2K Classic LT, '03 Vulcan 800 Classic, '00/'89 Ninja 250, '73 Honda ST90 Posts: 45	I guess I can't complain...$78 a year for the pint size Ninja, $180 for my 2000cc Vulcan, & $145 for the Vulcan 800. The Ninja is just liability, the other 2 are full coverage. Many people are getting squeezed big time, & it can royally suck!

October 22nd, 2011, 05:33 PM	#42
WhiteRice Kamikaze Squirrel Name: Zach Location: NJ Join Date: Sep 2011 Motorcycle(s): 2010 250r Posts: 300	You could buy a new ninja every year

October 22nd, 2011, 05:53 PM	#43
zilaniz ninjette.org member Name: Jeff Location: PA Join Date: Apr 2010 Motorcycle(s): 08 R6 Posts: 224	If you are in one of the states that offers RIDER insurance they are 95% of the time the cheapest

October 23rd, 2011, 08:35 PM	#44
TheTopher ninjette.org member Name: Chris Location: Delaware Join Date: Oct 2011 Motorcycle(s): 2007 EX250F Posts: 70	I've got every coverage imaginable on my ninja and it's $1500 a year. I got quoted on a 2011 FZ6R and it would go up to $7000 a year. I'm with you guys. This ninja's not going anywhere for a while.

October 26th, 2011, 12:38 PM	#51
capriccio ninjette.org member Name: Alex Location: Providence, RI Join Date: Jul 2011 Motorcycle(s): 2009 Ninja 250R Posts: 76	My 250 was quote $2500/year from Allstate for almost full coverage. So I went with Geico for $260/year, same coverage. Idk why but among big4 600cc, the quote for Zx6r is always the lowest ($600/year), the other 3 are the same $1000/year. Surprisingly, if I can afford a Duc 1098, it will only cost me $700/year. I really have no idea where insurance companies get those number from ?

October 29th, 2011, 06:55 PM	#55
Mocha Man Blue Shell magnet Name: Nolan Location: Northwest Washington Join Date: Aug 2011 Motorcycle(s): 1997 Ninja 250 Posts: 816	Jeeze, $1300 seems like a lot but I guess it depends on where you live and other factors. I'd say just stick with the ninjette considering you could have 3 years of ninjette insurance with 1 year of a 600cc insurance

December 24th, 2011, 07:59 PM	#57
SES2009 ninjette.org member Name: Sean Location: Las Vegas Join Date: May 2011 Motorcycle(s): 2009 Ninja 250R Posts: 133	I just insured a 2008 Daytona 675 with State Farm... Full coverage and Uninsured motorist is $40 a month or $480 per year.

January 2nd, 2012, 01:55 AM	#58
squaregamer476 learning stages Name: M Location: ummmm Join Date: May 2011 Motorcycle(s): black 09 kawasaki ninja 250 Posts: 284	is 1000/yr an average for a 600cc bike? that would be a big jump since im only paying 113/yr for my 250. hmmmm....i might have stick with the 250. i havent got a quote yet tho.

January 9th, 2012, 05:05 AM	#74
NDspd 1/4 English, 3/4 Kick Ass Name: Jeremy Location: Dayton, OH Join Date: Sep 2011 Motorcycle(s): 2002 Triumph Speed Triple 955i, '05 Suzuki SV650S(retired), '11 Ninja 250R(sold) Posts: A lot.	I'm 20 with only on ticket on my record (no speeding), and I'm from Ohio. It's about $650 per year for me just on the 250R. I can't wait until I'm 25.

January 9th, 2012, 01:45 PM	#76
NDspd 1/4 English, 3/4 Kick Ass Name: Jeremy Location: Dayton, OH Join Date: Sep 2011 Motorcycle(s): 2002 Triumph Speed Triple 955i, '05 Suzuki SV650S(retired), '11 Ninja 250R(sold) Posts: A lot.	Hmmm...not sure

January 9th, 2012, 08:55 PM	#79
choneofakind ninjette.org certified postwhore Name: . Location: . Join Date: Feb 2011 Motorcycle(s): . Posts: Too much. MOTM - Feb '13, Feb '14	I'm waiting till I graduate college to get a bigger bike. Depending on how the insurance looks, I might wait till I'm 25 to get a bigger one and get a new 250R and mod the heck out of it.

January 10th, 2012, 03:34 PM	#80
massacremasses Avid Kitteh Poster Name: Justin Location: Norcal Join Date: Sep 2011 Motorcycle(s): 2006 Yamaha TTR 50 SUCK IT Posts: A lot.	why it still wont be that fast? __________________________________________________ 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/

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
Normally I woud never say 'You NEED a bigger bike,' but in this case...	adouglas	Videos	7	March 19th, 2014 07:24 AM
NOT going to buy a bigger bike....	corksil	General Motorcycling Discussion	27	February 14th, 2014 08:59 AM
This is why I don't have a bigger bike...	parox91	General Motorcycling Discussion	67	August 2nd, 2013 09:56 PM
Now that you have a bigger bike...	DarkNinja52	The Ex-Ninjetters Lair	51	September 1st, 2011 08:26 PM
Getting a Bigger Bike, What to Choose?	jameZ	General Motorcycling Discussion	63	March 26th, 2009 08:58 PM