Rate Yourself: Insurance Whore Rankings

[Jiggles]

This is a spinoff of Floyds thread Gear Whore Rankings and a follow up to Insurance, and Why You Need More of it We have a thread to brag about our gear and I think we need a thread to brag about our insurance coverage.

The stats may vary from state to state but we can correct any problems we run into. And sorry non American ninjetters if these rankings do not accurately portray you

So, you're geared up ATGATT and feeling safe, but what about your mythical motorcycle riding insurance angel? Is it as well geared up as you or riding around in a half helmet and flip flops hoping to never take a spill?

Note: For the liability portion we will focus only on the per person amounts to avoid confusion. For example on a 100/300/50 policy you would match up the 100 to the list below. The same goes for an uninsured/underinsured at 100/300. If your amount is not on the list (i.e. 300 CSL) round to the closest amount, in this case 250k

Liability
-1 Point for no coverage
0 Points for state required minimum of 15k
1 Point for 25-30k
2 Points for 50-60k
3 Points for 100k
5 Points for 250k
7 Points for 500k or more

Uninsured/Underinsured
-1 Point for no coverage
1 Point for 15k
2 Points for 25-30k
4 Points for 50-60k
6 Points for 100k
8 Points for 250k
12 Points for 500k or more

Medical Payments
0 Points for no coverage
2 Points for 1-10k
4 Points for more than 10k

Comprehensive
0 Points for no coverage
1 Point for coverage

Collision
0 Points for no coverage
3 Points for coverage

Accessory
0 Points for no coverage
1 Point for coverage (any amount)

If you have multiple bikes add up the points for each insured bike and then divide the score by the number of bikes you own.

Ratings

• Negative Points: ...
• 0-5 Points: Congratulations you can legally ride on the road! Don't spend too much on insurance or you won't have enough money for that super cool slip on! Besides, you probably won't ever be in an accident
• 6-10 Points: You are decently insured but there is room for improvement. Skip a few cups of coffee each month and upgrade your policy!
• 11-19 Points: You are well protected and take your insurance seriously. If there were more people like you on the road the world would be a better place.
• 20+ Points: You don't **** around, only top notch **** for you. You probably spent well over $3,000 on your gear too. Can I get you anything? Maybe a Cuban cigar or one of my finest smoked porters? Let me get you some caviar while I order your filet mignon.

Optional Biography
Age:
Sex:
Years riding:
Number of bikes:

Motorcycle 1
Is this bike the original/primary insured vehicle? (tends to have higher rates whether car or bike)
Liability:
Uninsured/Underinsured:
Medical Payments:
Comprehensive:
Collision:
Accessory:
Total Cost Per Year:

Average Points/Bike:

[Jiggles]

Optional Biography
Age: 21
Sex: M
Years riding: 1
Number of bikes: 4

2011 Ninja 250 (crashed and dead, still forced to pay for it though) 18 Pts
Is this bike the original/primary insured vehicle? Yes
Liability: 250/500/100
Uninsured/Underinsured: 250/500
Medical Payments: None
Comprehensive: Yes
Collision: Yes
Accessory: $3000
Total Cost Per Year: $263

2011 Ninja 250 (New) 18 Pts
Is this bike the original/primary insured vehicle? No
Liability: 250/500/100
Uninsured/Underinsured: 250/500
Medical Payments: None
Comprehensive: Yes
Collision: Yes
Accessory: $3000
Total Cost Per Year: $157

2007 Ninja 250 15 Pts
Is this bike the original/primary insured vehicle? No
Liability: 250/500/100
Uninsured/Underinsured: 250/500
Medical Payments: None
Comprehensive: Yes
Collision: No
Accessory: $3000
Total Cost Per Year: $137

2012 Ninja 1000 18 Pts
Is this bike the original/primary insured vehicle? No
Liability: 250/500/100
Uninsured/Underinsured: 250/500
Medical Payments: None
Comprehensive: Yes
Collision: Yes
Accessory: $3000
Total Cost Per Year: $1662

Total Yearly Cost: $2227
Average Points/Bike: 17.25

[JELY1990]

I don't know how common Roadside Assistance is as a policy option, but my insurance provider offers it so I added that.

Optional Biography
Age: 21
Sex: M
Years riding: ~1 month
Number of bikes: 1

2009 Kawasaki Ninja 250r 18 pts
Is this bike the original/primary insured vehicle? Yes
Liability: 250/500/100
Uninsured/Underinsured: 250/500
Medical Payments: None
Comprehensive: Yes
Collision: Yes
Roadside Assistance: Yes
Accessory: $3000
Total Cost Per Year: $700 + a few dollars

Lol at your ratings. I have smoked a Cuban before, it was pretty tasty.

[DennyV]

11 points
Optional Biography
Age: just turned 19
Sex: male
Years riding: this is my first season
Number of bikes: 1

Motorcycle 1 2010 ninja 20
Is this bike the original/primary insured vehicle? (tends to have higher rates whether car or bike) yes
Liability: 100/300k
Uninsured/Underinsured: 100/300k
Medical Payments: none
Comprehensive: $500 deductable
Collision: none.. bike is only 3k... why spend another 200 a year when my body is more important
Accessory: up to 3k
Total Cost Per Year: $600

[Jiggles]

Originally Posted by JELY1990

I don't know how common Roadside Assistance is as a policy option, but my insurance provider offers it so I added that.

Optional Biography
Age: 21
Sex: M
Years riding: ~1 month
Number of bikes: 1

2009 Kawasaki Ninja 250r 28 pts
Is this bike the original/primary insured vehicle? Yes
Liability: 250/500/100
Uninsured/Underinsured: 250/500
Medical Payments: None
Comprehensive: Yes
Collision: Yes
Roadside Assistance: Yes
Accessory: $3000
Total Cost Per Year: $700 + a few dollars

Lol at your ratings. I have smoked a Cuban before, it was pretty tasty.

Lol you messed up your calculation of the points, your score is 5+8+0+1+3+1 = 18

I decided not to include roadside assistance because they really just give you gas or tow you and there are other services that provide this feature besides insurance like credit cards, cell phone service, AAA, riders of kawasaki, etc.

[JELY1990]

Haha shhhh don't tell anyone I fail at addition. And true, I ended up getting it, because it was $5 or something like that.

[Old Lemon]

Age: 20
Years riding: 1
# of cycles: 1

2008 Ninja 250r
Is this bike the original/primary insured vehicle? Yes
Liability: 100/300/50
Uninsured/Underinsured: 100/300/50
Medical Payments: none
Comprehensive: yes
Collision: yes
Accessory: 3000
Total Cost Per Year: about 700

Average Points/Bike: 14

Age: 19
Sex: M
Years riding: 6 mo
Number of bikes: 2

2005 Suzuki Gsxr 750
Liability: 25k/50k/100k 2 points?
Uninsured/Underinsured: 12.5k/25k 1 point??
Medical Payments: None 0 Points
Comprehensive: 1k deductible 1 point
Collision: 1k deductible 3 points
Accessory: Yes 3k 1 point
Progressive Insurance
Cost Per year- $1,900
I think I did that all correctly- 8 points

[Jiggles]

I feel bad for cody. Look what that gay swingarm did to his coverage, ****** coverage for too much $$$$$$

[lgk]

Optional Biography
Age: 29
Sex: M
Years riding: 1
Number of bikes: 1

2012 Ninja 250 (Bought new, but crashed and repaired) 16 Pts
Is this bike the original/primary insured vehicle? yes
Liability: 250/500/100-5
Uninsured/Underinsured: 100/300-6
Medical Payments: None
Comprehensive: Yes $500-1
Collision: Yes $500-3
Accessory: $5000-1
Total Cost Per Year: $735

summary
was riding along freeway, got cut off and swerved into an expansion joint and lost control. bike is totalled, but bought back at junk value, and repaired.
was found at fault, since i could not get a witness to vouch for me.

considering dropping the collision coverage, depending on the insurance agents valuation of the bike. dropping this saves $500/year.

Going to raise my the unins/underins to 250/500 to be consistent with my cars, i thought i had done this last month, called my agent and left a message.

Hm, I dont see anything weird with my swingarm? Yeah, my rate sucks, that's the ****** part about supersports. But it's worth it. I'm going to see if state-farm has a cheaper rate. But I pay month to month and only insure the bike for like half of the year so it's not that bad

[Jiggles]

Originally Posted by codestp202

Hm, I dont see anything weird with my swingarm? Yeah, my rate sucks, that's the ****** part about supersports. But it's worth it. I'm going to see if state-farm has a cheaper rate. But I pay month to month and only insure the bike for like half of the year so it's not that bad

Try AAA Insurance, they gave me a far lower rate for my 1000 than any other company. Also go read this thread http://www.ninjette.org/forums/showthread.php?t=111326 and then upgrade your underinsured

[lgk]

Originally Posted by codestp202

Age: 19
Sex: M
Years riding: 6 mo
Number of bikes: 2

-snip
coverage of fail/snip

I think I did that all correctly- 7 points

you can't even hit a honda civic without the other insurance going after you personally. the hell is wrong with you.

@Jiggles I wish all these companies had online quotes...

@lgk I'm currently looking into changing/upgrading my policy with another company. Thanks dick

[Jiggles]

Originally Posted by codestp202

none of these stupid insurance companies have online quotes. wtf?!

Yea AAA doesn't haha you have to go in or call. If you go in you'll get a better rate but like I said, my experience has been that with larger CC bikes they have far better prices

[Jiggles]

Originally Posted by lgk

you can't even hit a honda civic without the other insurance going after you personally. the hell is wrong with you.

Hey, it's why we are educating people I was a dumbass too once Some might argue I still am

I understand the importance of good insurance, if you look I have much better then the minimum... I'm just trying to afford it all right now. Calm yourselves people

[lgk]

Originally Posted by Jiggles

Hey, it's why we are educating people I was a dumbass too once Some might argue I still am

yea, i'm just trying to push him into a better spot.

some people just wont listen until they are ridiculed,
i figured cody was one of those people, lol

[lgk]

Originally Posted by codestp202

@lgk I'm currently looking into changing/upgrading my policy with another company. Thanks dick

your welcome.

[Jiggles]

Cody I don't understand your liability, you have 25k for bodily injury but 100k for property damage???

Originally Posted by lgk

yea, i'm just trying to push him into a better spot.

some people just wont listen until they are ridiculed,
i figured cody was one of those people, lol

Originally Posted by Jiggles

Cody I don't understand your liability, you have 25k for bodily injury but 100k for property damage???

I had almost all of the highest premiums on my 250...

Here is my summary from progressive
BODILY INJURY & PROPERTY DAMAGE LIABILITY $395.00
BI $50,000 EACH PERSON - $100,000 EACH ACCIDENT
PROPERTY DAMAGE LIABILITY - $25,000 EACH ACCIDENT

I should upgrade my policy to the next one up. However, I think if I caused 25k in damage, I would probably be dead LOL

[Jiggles]

@codestp202 Did you read the thread I linked you to? Its not about you causing damage, its about other people ****ing you up

Originally Posted by Jiggles

@codestp202 Did you read the thread I linked you to? Its not about you causing damage, its about other people ****ing you up

Not really... that other thread is too long for me to read tonight... i'm exhausted. Just explain this to me: Will my liability ever cover me?

[lgk]

Originally Posted by codestp202

I should upgrade my policy to the next one up. However, I think if I caused 25k in damage, I would probably be dead LOL

you could low side and your bike could slide into an incoming car and total it.
lowside and hit a pedestrian, high side and hit oncoming traffic, get run off the road and hit a transformer etc.

there are many scenarios where you wont get injured but your bike and the other vehicle will be totalled.


what you described is a 50/100/25 coverage.

what is the next one up?

[Jiggles]

Originally Posted by codestp202

Not really... that other thread is too long for me to read tonight... i'm exhausted. Just explain this to me: Will my liability ever cover me?

Your liability will cover any damage you do to another person or their vehicle up to the amounts specified. Your uninsured/underinsured will cover you when the other driver does not have enough insurance. The problem is many people drive around with minimums or no insurance at all and so to avoid financial ruin from their negligence you need at least 100/300 uninsured/underinsured though 250 or higher would be preferred

Originally Posted by lgk

you could low side and your bike could slide into an incoming car and total it.
lowside and hit a pedestrian, high side and hit oncoming traffic, etc.

there are many scenarios where you wont get a crash but your bike and the other vehicle will be totalled.


what you described is a 50/100/25 coverage.

what is the next one up?

the next one i over 9000.

100/300/50

[lgk]

Originally Posted by codestp202

the next one i over 9000.

100/300/50

$9000?

Originally Posted by lgk

$9000?

It was a joke...

[lgk]

Originally Posted by codestp202

Not really... that other thread is too long for me to read tonight... i'm exhausted. Just explain this to me: Will my liability ever cover me?

download it into your phone and have read reader play it back, the discussion is well worth the time.

Too long to read tonight, I'll read it tomorrow at some time.

[dirty nasty]

Age: 19
Sex: Male
Years riding: 1
Number of bikes: 1

Motorcycle
Is this bike the original/primary insured vehicle? (tends to have higher rates whether car or bike): yes

I'm insured through Progressive. Dunno my exact limits. They're conveniently located and organized if I need to reference them. I do know I have very high coverage for injuries, property damage, uninsured motorist, etc. I paid $500 for my bike. I don't have collision or comprehensive for that reason. I would only come out $150 ahead. I'd rather buy it back and rebuild it as a track only bike if I'm unfortunate enough to be involved in an accident.

Total Cost Per Year: $145

Average Points/Bike: 17

[gfloyd2002]

Originally Posted by Jiggles

This is a spinoff of Floyds thread Gear Whore Rankings

I carry two policies for my ninjette - one local country and one US that also covers me overseas (I only trust my US policy, but am required by local law to carry local insurance. There are practical advantages to local coverage, so its cool. But I only really trust my US carrier when the chips are down.)

Optional Biography
Age: 40
Sex: M
Years riding: Since I was 8 or so
Number of bikes: 1

2010 Ninja 250
Is this bike the original/primary insured vehicle? Yup.
Liability: 250/500 x2 policies - total of 500/1M
Uninsured/Underinsured: 250/500 x 2 policies - total of 500/1M
Medical Payments: 20k x 2 policies
Comprehensive: Yes on both
Collision: Yes on both
Accessory: Yes ($1k included on both)
Total Cost Per Year: About $900 total for both policies

Average Points/Bike: Depends on how you count it.

[bfpower]

Biography
Age: 30
Sex: dude
Years riding: < 1
Number of bikes: 1

Motorcycle 1 - 09 Ninja 250
Is this bike the original/primary insured vehicle? (tends to have higher rates whether car or bike): Yes
Liability: 250/500/100
Uninsured/Underinsured: 100/300
Medical Payments: 10K
Comprehensive: Yes
Collision: Yes
Accessory: 3K
Total Cost Per Year: $382

Average Points/Bike: 18

[Jiggles]

Floyd is the first mega whore with 24 points

[scottg]

I'm a finance guy, I like this ****

Bio
Age: 36
Sex: Male
Yrs riding: 1.5
Bikes: 1
Motorcycle 1 - 2010 Ninja 250
Is this bike the original/primary insured vehicle? (tends to have higher rates whether car or bike): Yes
Liability: 250/500/100
Uninsured/Underinsured: 100/300
Medical Payments: 1K
Comprehensive: Yes
Collision: Yes
Accessory: 3K
Total Cost Per Year: $710-expensive in downtown Boston

I think 20 pts

[Jiggles]

Originally Posted by scottg

I think 20 pts

You're at 18, bump up your underinsured and I'll go get your steak

[Alex]

Identical coverage on all 3 bikes with Nationwide; only difference is cost.

Biography
Age: mid-life crisis time
Sex: yes, but not as much as I might want
Years riding: 13
Number of bikes: 3

Liability: 500k/500k for bodily injury, 100k for property damage
Uninsured/Underinsured: 250k/500k
Medical Payments: nada
Comprehensive: Yup
Collision: Affirmative
Accessory: $3k
Total Cost Per Year: $930 (split as 10R: $150, Ninjette: $207, BMW: $566)

I count 20 points, but Jiggles can check the math. We also have an umbrella policy that would kick in if the liability were exceeded.

[Jiggles]

Two mega whores and neither one surprises me How do you take your steak gentlemen? @gfloyd2002 yours may arrive slightly aged, sorry

[nycsteve]

Optional Biography
Age: 25
Sex: Slow and Steady
Years riding: <1
Number of bikes: 1

2010 Ninja 250
Is this bike the original/primary insured vehicle? Si Senor
Liability: 100/300
Uninsured/Underinsured: 100/300
Medical Payments: none
Comprehensive: si
Collision: si
Accessory: 3k
Total Cost Per Year: A f****** joke - $1,751.00

Points: 14

[Miles_Prower]

Optional Biography
Age: 24.265753424
Sex: M
Years riding: About half a year
Number of bikes: 1

2012 Ninja 250R
Is this bike the original/primary insured vehicle? No, pleasure craft.
Liability: 50k/100k/25k
Uninsured/Underinsured: Rejected
Medical Payments: None
Comprehensive: $500 deductible
Collision: $250 deductible
Accessory: $3000
Total Cost Per Year: $301

Average Points/Bike: 6

Feeling like I need to skip some Starbucks. Re-evaluating my policy tonight with an agent. Might bump up my collision deductible to reduce cost/offset a bit and then bump up total coverage and adding UI coverage. Hopefully can become a ATIATT rockstar soon!