Another insurance question

Bigballsofpaint · February 19th, 2012, 04:43 PM

Ok guys i know theres plenty of threads out there asking how much you pay for insurance on your ninja. Im more wondering if you have a bigger bike what the insurance is. I pay 120ish a year on my 250 with just liability, 300 for full coverage. For 600s and greater i was quoted anywhere from 800 to 1100 a year full coverage. Does that sound a little crazy?? One car accident on my license, but my car insurance only went up a little bit, so i dont think thats really killing me. Im 26 with a house in a good area as well, and i took the MSF course last year. Im considering a larger bike but not if the insurance is crazy, ill just mod the 250 for now.

bkh2 · February 19th, 2012, 04:49 PM

Just for some perspective, I paid $455 for bare-minimum insurance for the year. Full coverage (for my 250) would probably be close to what you were quoted for a 600cc bike. Also, I have a flawless driving record. For what it's worth, $800-1100 sounds a bit high, but nothing extremely unreasonable.

HKr1 · February 19th, 2012, 05:14 PM

Yeah, had some crazy quotes, most with collision added want close to 1000 if not more.

I have everything but collision, 100/300 thru Geico for 330 a year. Been the same price since 05 on my r1.

Bigballsofpaint · February 19th, 2012, 05:43 PM

The real issue is if i buy a larger bike ill have finance it so ill need collision on it. My 250 is paid off, but for the 15 extra a month ill put collision back on when riding season comes since ill still use it the most i think

razorgamez · February 19th, 2012, 10:35 PM

wow...Im paying 1600/year for my ninja 250...and that was the lowest quote I got, on top of that I have zero tickets, zero accidents, basically a clean record O_O

Edit:
Its full coverage!

gadgetguy1288 · February 20th, 2012, 08:42 AM

Im paying $360/yr with coverage pretty much maxed out, and thats with progressive.(I use usaa for everything else but they dont offer motorcycle insurance)

I was getting quotes for a bigger bike recently and was honestly kinda shocked.
I was looking at the BMW f800R, the Triumph street triple R and the Ducati monster 796. The BMW and the Triumph were both over $2k/yr. The Ducati was just under $1k/yr.

Im 23, male, military, no accidents or tickets on my record FWIW.

Ill probably be going with the Ducati, Cheapest of the bikes Im looking at and the insurance is less than half of what the others are.

I don't understand how they come up with their prices sometimes. I think it involves someone who is blindfolded throwing darts at a dartboard with values on it. lol

Jiggles · February 20th, 2012, 10:39 AM

My 650 is 200 cheaper per year than my 250. Kawi dropped the "R" which I think is making the difference

johnjohn · February 20th, 2012, 10:44 AM

Ontario, Canada $339 /year with $2 million PL/PD and fire and theft. TD/Primmum Insurance Co. 67 old years!!!

longhorn · February 20th, 2012, 02:50 PM

Tucson; Progressive; $100k BI, $50K PD, comprehensive, $79 pa; but I'm older than johnjohn. Just hang in there for a few more decades.

koenigcitizen · February 20th, 2012, 03:21 PM

Huge difference in prices here, I guess I should consider myself lucky.

I am paying $200 a year for full coverage with a $100 deductible for my 250.

akshay11 · February 20th, 2012, 03:35 PM

I was quoted about $850 for the 2012 650 I'm getting in 3 weeks. Includes collision, comprehensive, and total loss coverage with a $500 deductible. Progressive has been the cheapest by far of all the places I've looked.

blink · February 23rd, 2012, 05:26 PM

Quote:

Originally Posted by razorgamez

wow...Im paying 1600/year for my ninja 250...and that was the lowest quote I got, on top of that I have zero tickets, zero accidents, basically a clean record O_O

Edit:
Its full coverage!

I wouldn't even ride a bike if I had to pay 1600 for insurance.

Kind of takes away some purpose

like that is honestly crazy, switch companies for your bike

burningscooter · February 23rd, 2012, 06:08 PM

@razorgamez I dont think i would be riding at that price. 1600? That sounds unbelievable.

razorgamez · February 24th, 2012, 06:04 PM

the weird part about all of this is I have 3 years driving experience in a car...1600 was the lowest I got 5 months ago. WIll check again.

Quote:

Originally Posted by burningscooter

@razorgamez I dont think i would be riding at that price. 1600? That sounds unbelievable.

koenigcitizen · February 25th, 2012, 07:24 AM

I dont understand how it can be that expensive. $1600????

February 19th, 2012, 04:43 PM	#1
Bigballsofpaint ninjette.org certified postwhore Name: Jay Location: CT Join Date: Apr 2011 Motorcycle(s): 2015 636 ABS - 69 Honda 305 Posts: A lot.	Another insurance question Ok guys i know theres plenty of threads out there asking how much you pay for insurance on your ninja. Im more wondering if you have a bigger bike what the insurance is. I pay 120ish a year on my 250 with just liability, 300 for full coverage. For 600s and greater i was quoted anywhere from 800 to 1100 a year full coverage. Does that sound a little crazy?? One car accident on my license, but my car insurance only went up a little bit, so i dont think thats really killing me. Im 26 with a house in a good area as well, and i took the MSF course last year. Im considering a larger bike but not if the insurance is crazy, ill just mod the 250 for now.

February 19th, 2012, 10:35 PM	#5
razorgamez ninjette.org member Name: Neal Location: San Fran Join Date: Oct 2011 Motorcycle(s): 2008 ninja 250r Posts: 99	wow...Im paying 1600/year for my ninja 250...and that was the lowest quote I got, on top of that I have zero tickets, zero accidents, basically a clean record O_O Edit: Its full coverage! __________________________________________________ ....(O_O)....(O_o)....(o_O)....(-_-)

February 20th, 2012, 08:42 AM	#6
gadgetguy1288 Coastie Tweet Name: Randy Location: E City, NC Join Date: Mar 2011 Motorcycle(s): 2011 250R Ebony, 2012 BMW F800R White Posts: 158	Im paying $360/yr with coverage pretty much maxed out, and thats with progressive.(I use usaa for everything else but they dont offer motorcycle insurance) I was getting quotes for a bigger bike recently and was honestly kinda shocked. I was looking at the BMW f800R, the Triumph street triple R and the Ducati monster 796. The BMW and the Triumph were both over $2k/yr. The Ducati was just under $1k/yr. Im 23, male, military, no accidents or tickets on my record FWIW. Ill probably be going with the Ducati, Cheapest of the bikes Im looking at and the insurance is less than half of what the others are. I don't understand how they come up with their prices sometimes. I think it involves someone who is blindfolded throwing darts at a dartboard with values on it. lol __________________________________________________ Randy USCG Air Station Elizabeth City

February 20th, 2012, 10:39 AM	#7
Jiggles Jigglin' your Jiglets Name: Sean Location: San Jose, Ca Join Date: Jun 2011 Motorcycle(s): 2009 K1300S, 2013 Ninja 300, 2011 Ninja 250R, Faster than Unregistered's ninjette Posts: Too much. Blog Entries: 1 MOTM - Apr '13	My 650 is 200 cheaper per year than my 250. Kawi dropped the "R" which I think is making the difference __________________________________________________ If the Ninja 250 doesn't have enough power for you, then you don't know how to ride it. AFM #676 Supersports are for n00bs

February 20th, 2012, 03:21 PM	#10
koenigcitizen Russian Ninja :) Name: Andrei Location: Ocean City, MD Join Date: Oct 2011 Motorcycle(s): 2012 Triumph Street Triple R, 2009 Yamaha FZ6, 2010 Kawi 250r (sold) Posts: 335	Huge difference in prices here, I guess I should consider myself lucky. I am paying $200 a year for full coverage with a $100 deductible for my 250. __________________________________________________ 2009 Fazer (2009 Yamaha FZ6), 2012 Triumph Street Triple R

February 19th, 2012, 04:49 PM	#2
bkh2 ninjette.org guru Name: Ben Location: R'lyeh Join Date: May 2011 Motorcycle(s): 2006 GSXR 750; 1983 CB750SC Posts: 277	Just for some perspective, I paid $455 for bare-minimum insurance for the year. Full coverage (for my 250) would probably be close to what you were quoted for a 600cc bike. Also, I have a flawless driving record. For what it's worth, $800-1100 sounds a bit high, but nothing extremely unreasonable.

February 19th, 2012, 05:14 PM	#3
HKr1 IC2(SW) Name: Kerry Location: Pensacola Join Date: Nov 2008 Motorcycle(s): . Posts: A lot.	Yeah, had some crazy quotes, most with collision added want close to 1000 if not more. I have everything but collision, 100/300 thru Geico for 330 a year. Been the same price since 05 on my r1.

February 19th, 2012, 05:43 PM	#4
Bigballsofpaint ninjette.org certified postwhore Name: Jay Location: CT Join Date: Apr 2011 Motorcycle(s): 2015 636 ABS - 69 Honda 305 Posts: A lot.	The real issue is if i buy a larger bike ill have finance it so ill need collision on it. My 250 is paid off, but for the 15 extra a month ill put collision back on when riding season comes since ill still use it the most i think

February 20th, 2012, 10:44 AM	#8
johnjohn ninjette.org member Name: John Location: Caledonia, Ontario, Canada Join Date: Jul 2010 Motorcycle(s): Honda, Buell, Kawasaki, Suzuki, Yamaha Posts: 170	Ontario, Canada $339 /year with $2 million PL/PD and fire and theft. TD/Primmum Insurance Co. 67 old years!!!

February 20th, 2012, 02:50 PM	#9
longhorn ninjette.org member Name: Nick Location: Tucson Join Date: May 2010 Motorcycle(s): 2009 Ninja 250R Posts: 20	Tucson; Progressive; $100k BI, $50K PD, comprehensive, $79 pa; but I'm older than johnjohn. Just hang in there for a few more decades.

February 20th, 2012, 03:35 PM	#11
akshay11 ninjette.org member Name: Akshay Location: Lakeville,MN Join Date: Feb 2012 Motorcycle(s): 2012 Ninja 650 Posts: 146	I was quoted about $850 for the 2012 650 I'm getting in 3 weeks. Includes collision, comprehensive, and total loss coverage with a $500 deductible. Progressive has been the cheapest by far of all the places I've looked.

February 23rd, 2012, 06:08 PM	#13
burningscooter clutch Name: nameless Location: Maryland Join Date: Jul 2011 Motorcycle(s): L1 GSXR600 Posts: 543	@razorgamez I dont think i would be riding at that price. 1600? That sounds unbelievable.

February 25th, 2012, 07:24 AM	#15
koenigcitizen Russian Ninja :) Name: Andrei Location: Ocean City, MD Join Date: Oct 2011 Motorcycle(s): 2012 Triumph Street Triple R, 2009 Yamaha FZ6, 2010 Kawi 250r (sold) Posts: 335	I dont understand how it can be that expensive. $1600???? __________________________________________________ 2009 Fazer (2009 Yamaha FZ6), 2012 Triumph Street Triple R

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