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| View Poll Results: How much (per year) for ninjette insurance? | |||
| full coverage (liability/comp/collision): less than $100 |
   
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35 | 7.71% |
| full coverage: $100 - $300 |
  
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111 | 24.45% |
| full coverage: $300 - $500 |
  
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77 | 16.96% |
| full coverage: $500 - $800 |
  
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50 | 11.01% |
| full coverage: more than $800/year |
  
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37 | 8.15% |
| liability only: less than $100 |
  
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51 | 11.23% |
| liability only: $100 - $300 |
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52 | 11.45% |
| liability only: $300 - $500 |
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25 | 5.51% |
| liability only: $500 - $800 |
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8 | 1.76% |
| liability only: more than $800/year |
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8 | 1.76% |
| Voters: 454. You may not vote on this poll | |||
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Thread Tools |
September 27th, 2011, 08:31 PM
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#481 |
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Done here.
Name: -
Location: Track
Join Date: Jul 2011 Motorcycle(s): - Posts: A lot.
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$141/month with just liability. Does anyone else have it as bad as me?!?!
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September 27th, 2011, 08:52 PM
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#482 |
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Kamikaze Squirrel
Name: Zach
Location: NJ
Join Date: Sep 2011 Motorcycle(s): 2010 250r Posts: 300
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$350 for Col./Comp./Li.
Which isn't bad since I'm under 25, single, and on a sport bike; which is a combination for super high premiums. For NJ residents check out Riders Insurance. |
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September 27th, 2011, 09:45 PM
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#483 |
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Winging It In Life
Name: Umar
Location: SoCal
Join Date: Aug 2011 Motorcycle(s): 2010 250R; 2011 250R (sold) Posts: A lot.
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$60/month for full coverage. I'm 21 with 2 speeding tickets (non-bike related).
__________________________________________________
2011 Kawasaki Ninja 250R (Bought - Apr 22, 2011; Sold - Feb 17, 2015) 2010 Kawasaki Ninja 250R (Bought - May 01, 2017; Current) |
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September 27th, 2011, 10:00 PM
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#484 |
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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
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I pay $625 a year for 250/500/50 with uninsured/underinsured on 2 bikes. I have comprehensive on one of the bikes
__________________________________________________
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 |
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September 27th, 2011, 11:40 PM
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#485 |
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ninjette.org member
Name: Ryan
Location: Milwaukee, WI
Join Date: May 2011 Motorcycle(s): 2010 Ninja 250R Posts: 159
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BODILY INJURY & PROPERTY DAMAGE LIABILITY
BI $100,000 EACH PERSON - $300,000 EACH ACCIDENT PROPERTY DAMAGE LIABILITY - $50,000 EACH ACCIDENT UNINSURED MOTORIST $100,000 EACH PERSON - $300,000 EACH ACCIDENT UNDERINSURED MOTORIST $100,000 EACH PERSON - $300,000 EACH ACCIDENT MEDICAL PAYMENTS $10,000 EACH PERSON COMPREHENSIVE $500 DEDUCTIBLE COLLISION $500 DEDUCTIBLE ACCESSORY COVERAGE $3,000 ROADSIDE ASSISTANCE Total Policy Premium $847.00 21 years old, male, 2 accidents on driving record, Progressive Insurance. Some companies were quoting me obscene amounts of money for full coverage. There's no way I'm paying 2K per year for full coverage on a bike that only costs 4K brand new. |
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September 28th, 2011, 12:05 PM
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#486 |
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Avid Kitteh Poster
Name: Justin
Location: Norcal
Join Date: Sep 2011 Motorcycle(s): 2006 Yamaha TTR 50 SUCK IT Posts: A lot.
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Just got liability and it was still $400 for the year. This picture describes my feelings.
__________________________________________________
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/ |
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September 28th, 2011, 09:25 PM
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#487 |
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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
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Anyone in new york with full coverage for under 1k?
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October 3rd, 2011, 08:43 PM
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#488 |
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ninjette.org guru
Name: Nathaniel
Location: Jacksonville, Florida
Join Date: Jan 2011 Motorcycle(s): Past: 2007 250 Ninja 2005 XR650R 2003 KLX400R Posts: 335
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My insurance rate was dropped this year. Went for $155/year to $85/year.
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When life throws turns at you, aim for the apex. |
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October 4th, 2011, 10:43 AM
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#489 | |
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Always.
Name: Alex
Location: Calgary, AB
Join Date: Mar 2011 Motorcycle(s): '08 Ninja 250, '05 GSX-R600 Posts: A lot.
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Quote:
Your getting ass raped more than teens with new cars (2010+)
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blink-182 |
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October 4th, 2011, 04:26 PM
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#490 |
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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
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One thing for sure with car and bike insurance is that you have to shop around. You haven't even tried if you don't have at least 4 quotes and 6 quotes is better.
Don't believe the hype "drivers who switched to us saved an average...". Well excuse me, but why would anyone switch to them if they had to pay more than their current insurance company? So if only one guy out of a million drivers actually get a lower quote with them, and he gets quoted $500 less, and switches, then he becomes part of the "drivers who switched" average. The other 999,999 guys got higher quotes, didn't switch, and aren't part of the average. I think this is what Alex calls BS statistics. My car policy just came due and I thought I would get a quote from 21st century because of all their ads on TV and claims of low rates. Turns out they are among the highest. I was quoted about double what Geico charges. So even if 3 companies give you ridiculously high quotes, the fourth may be reasonable. For my bike, that was progressive, but others have had the best rates with other companies. The difference between highest and lowest was a factor of ten.
__________________________________________________
My Ninja Blog  Proud member of ABATE.My NYC Road Rage documentary - CENSORED! |
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October 4th, 2011, 04:34 PM
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#491 | |
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Done here.
Name: -
Location: Track
Join Date: Jul 2011 Motorcycle(s): - Posts: A lot.
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Quote:
$140 / month liability to $70 / month full coverage. I can't decide if I'm happier about my new bike or my new insurance deal 
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October 21st, 2011, 08:18 PM
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#492 |
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Internet Slut
Name: Jeff
Location: L.A.
Join Date: Sep 2010 Motorcycle(s): 04 FZ1, 07 FZ6 Posts: A lot.
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670 a year when i get my ninja 1000 full coverage.
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October 21st, 2011, 10:46 PM
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#493 |
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ninjette.org member
Name: Jay
Location: St. Marys, Ontario, Canada
Join Date: Sep 2011 Motorcycle(s): 2011 Kawasaki Ninja 250r Posts: 169
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Just got mine set up yesterday as a matter of fact, I am 39 never had a ticket and been driving since I was 16, with State FArm here in Ontario, I will be paying $38.42/month...and that is with just a M1.
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October 22nd, 2011, 02:34 AM
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#494 |
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noob motovlogger
Name: Gareth
Location: Austin, TX
Join Date: Dec 2009 Motorcycle(s): Black 2009 250r Posts: 328
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I thought I was getting a good deal but after seeing some of these I may need to make some calls.
I'm 21, male. I pay $400 a year for minimal liability 30/60/50 and comprehensive with $500 deductible.
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My Motovlog "Damn, either shimming the needles fixes 90% of any problems with the 250Rs, or kkim owns stock in a washer manufacturer." -DmbShn41 |
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January 4th, 2012, 07:00 PM
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#495 |
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ninjette.org guru
Name: Solon
Location: Toronto, Ontario
Join Date: Jun 2011 Motorcycle(s): 2011 Kawasaki Ninja 250R (sold), 2007 SV650s (deer wrecked), 2010 Suzuki SV650S Posts: 334
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Insurance Question
Is a 250cc motorcycle always going to be cheaper to insure than a 650cc motorcycle?
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January 4th, 2012, 07:08 PM
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#497 | |
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ninjette.org guru
Name: Solon
Location: Toronto, Ontario
Join Date: Jun 2011 Motorcycle(s): 2011 Kawasaki Ninja 250R (sold), 2007 SV650s (deer wrecked), 2010 Suzuki SV650S Posts: 334
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Quote:
My friend was asking me if I would upgrade to a SV650 and I told him I probably wouldn't for several reasons. The first, being that I'm still a fairly new rider and only have 7200km (4500miles) under my belt, and the second reason is because in a few months I'm going to be a father and I don't need to be spending extra money on insurance. He told me sometimes it depends on the bike, and the SV could actually be cheaper than the ninja. I didn't believe him so I'm asking you guys. Judging by Alex's statement, I suppose the year of the bike has a big influence on the price you pay... so if I bought a 2003 SV650, hypothetically speaking, would the insurance be cheaper than a 2011 ninja 250r because its 8 years older? |
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January 5th, 2012, 12:00 PM
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#498 |
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wat
Name: wat
Location: tustin/long beach
Join Date: Sep 2009 Motorcycle(s): wat Posts: Too much.
Blog Entries: 5
MOTM - Oct '12, Feb '14
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year, listed value, and multi-bike discount. buy something cheap. it will be cheap to insure
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January 5th, 2012, 12:05 PM
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#499 |
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ninjette.org member
Name: M11
Location: Florida
Join Date: Jan 2011 Motorcycle(s): 09 Ninja 250R Posts: 28
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insurance agent here:
Comparing insurance quotes with other people is kind of apples to oranges since there are so many factors involved that have nothing to do with the bike. The same bike with the same rider in New York can cost half of what it costs in Florida. More so, there are credit scores, loss history, discounts etc to consider that can weigh substantially on the premium. If you're comparing bikes, the most reasonable way of getting an idea of what the premiums may be is by actually getting quotes. You can't get insurance on a bike you don't own but as long as you have a VIN, you can get an accurate quote. |
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January 5th, 2012, 12:19 PM
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#500 |
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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
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/merging with mongo "insurance costs" thread
__________________________________________________
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) |
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January 5th, 2012, 07:55 PM
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#501 |
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ninjette.org member
Name: Jason
Location: Austin TX
Join Date: Dec 2011 Motorcycle(s): 09Ninja250, Ducati Monster 800ie, Harley FXSTS,Rebel 250,CR144,KX85,RM85L Posts: 142
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I've had dairyland insurance since I was a kid. Every time I shop around its less than half of what anyone else is. weird little place in Wisconsin. Hella cheap on bike insurance though. Never used them for a claim but they have been around since my dad was a kid...I'm almost 40.
__________________________________________________
Thanks to: , DUNLOP, WHOOPIE RACING, 995 PAINTWORKS, South Austin Motorcycles |
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January 6th, 2012, 12:04 PM
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#502 |
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Fighterer in Training
Name: Joshua
Location: Schenectady, NY
Join Date: Jul 2011 Motorcycle(s): 2001 Ninja 250R Posts: 316
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Maybe m11 can confirm, but I think it also depends on what "style" the bike is. Something considered a sport bike might be more than an adventure tourer, because the perception is that you will be going fast on a sportbike, and not so fast on a tourer. Reminds me of the BS years ago about companies charging more if you drive a red car.
Posted via Mobile Device |
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January 6th, 2012, 12:12 PM
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#503 |
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ninjette.org member
Name: Drew
Location: Canada
Join Date: Nov 2011 Motorcycle(s): '10 250R SE Posts: 79
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about 2000 I believe for full coverage ...
Going to call and remove w.e I can to make it as cheap as possible. Only got all the perks added because I got insurance during an off season so all I paid was 50$ for insurance with all the perks from oct - feb  I gotta renew next month though, so I'll make a few calls ....
__________________________________________________
[2010 250R SE] |
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February 9th, 2012, 12:24 AM
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#504 |
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ninjette.org newbie
Name: onin
Location: california
Join Date: Feb 2012 Motorcycle(s): none yet Posts: 1
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i suggest try to weigh-in options for your insurance company. Try to look for a better insurance that can provide you flexibility.
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February 19th, 2012, 03:24 PM
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#505 |
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Towster ['__'`,-,
Name: Josh
Location: San Diego, CA
Join Date: Jan 2012 Motorcycle(s): 2010 Green Ninja 250 SE Posts: 379
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Just insured today. Progressive through USAA. Liability $15,000 person/$30,000 accident/$5,000 property damage. $500 deductible for collision AND comprehensive. $558 per year.
19. First bike, no experience with Good driver discount and MSF course discount. No tickets in the last 36 months. |
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February 19th, 2012, 03:29 PM
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#506 |
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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
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Up those limits. 15k per person for injury is a pittance (the state minimum). You can likely get it up to 100k/300k for a surprisingly small bump in premium.
__________________________________________________
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) |
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February 19th, 2012, 03:36 PM
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#507 |
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Towster ['__'`,-,
Name: Josh
Location: San Diego, CA
Join Date: Jan 2012 Motorcycle(s): 2010 Green Ninja 250 SE Posts: 379
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Could my little 250 really cause more damage than $15,000/person?
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February 19th, 2012, 03:46 PM
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#508 |
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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
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Whether it's a 250 or a 7000 pound hummer, if you're found partially at fault in an accident such that your insurance needs to pay out, 15k is just too low. 3 days in the hospital will exceed that in many cases, and a few months of physical therapy can be multiples of that.
The hope is that you never ever have to use your liability insurance. The reason you carry it is so that in the unlikely event that you ever have to, you have enough to cover the likely losses and protect your existing assets and future earnings. 15k/30k just isn't enough to do that.
__________________________________________________
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) |
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February 19th, 2012, 03:47 PM
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#509 |
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Towster ['__'`,-,
Name: Josh
Location: San Diego, CA
Join Date: Jan 2012 Motorcycle(s): 2010 Green Ninja 250 SE Posts: 379
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kk thanks for the info. I will check it out!
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February 19th, 2012, 04:10 PM
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#510 |
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ninjette.org guru
Name: Chris
Location: Newnan, G.A.
Join Date: Jan 2012 Motorcycle(s): 2008 Kawasaki Ninja 250R Posts: 347
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I'm 16, live in Georgia, havent taken MSF YET, this is my first bike, i've got a clean driving record(although i havent even had my license a year yet), i have my motorcycles learners.
Through Geico I pay $395 liability only a year. I think thats pretty good. American Family quoted me something over $1000 a year just for liability? Geico it was. |
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February 20th, 2012, 09:45 PM
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#511 | |
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ninjette.org sage
Name: Jon
Location: Usa
Join Date: Jan 2010 Motorcycle(s): magHitVE Posts: 649
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Quote:
I'm paying 750$ a year for my Ninja 1000 full coverage 250 deductible. And I got all kinds of tickets.... |
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February 20th, 2012, 09:47 PM
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#512 | |
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ninjette.org sage
Name: Jon
Location: Usa
Join Date: Jan 2010 Motorcycle(s): magHitVE Posts: 649
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Quote:
I was paying like 550$ (i could of have found a much better price) on my 250r and im paying 750$ Fully insured on my 11' Ninja 1000 |
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February 20th, 2012, 09:52 PM
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#513 |
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ninjette.org member
Name: Joon
Location: Orange County, CA
Join Date: Feb 2011 Motorcycle(s): 2011 Ninja 250R Posts: 164
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I paid $86 for this year. It's liability only and I'm 27 with a clean record.
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February 21st, 2012, 06:39 AM
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#514 | ||
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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
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Quote:
Quote:
I have recently upped my coverage to include uninsured motor vehicle and $10K in medical and it went up to $450 a year. The expensive part is the medical because in FL they assume that if you want that, you aren't using a helmet. I always wear one, but I have to pay anyway. So shop around some more. I was only riding a few months when they quoted me the $150 rate. In FL, motorcycle insurance is not required, which also keeps the rates down. I decided to get insurance anyway because in FL there are a lot of bike haters. Some @$$hole keyed my seat the other day.  Fortunately, its not too bad, but he's lucky I didn't catch him or the results would have made the headlines.
__________________________________________________
My Ninja Blog Proud member of ABATE.My NYC Road Rage documentary - CENSORED! |
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February 21st, 2012, 06:36 PM
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#515 |
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ninjette.org member
Name: Jason
Location: Austin TX
Join Date: Dec 2011 Motorcycle(s): 09Ninja250, Ducati Monster 800ie, Harley FXSTS,Rebel 250,CR144,KX85,RM85L Posts: 142
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I use Dairyland. I pay $648/year for full coverage on my Harley and Liability on an 85 Honda Rebel 250. That is for me AND my 16 year old son to ride both. They have a few different plans to pay. all at once, 3 times a year or monthly.
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Thanks to: , DUNLOP, WHOOPIE RACING, 995 PAINTWORKS, South Austin Motorcycles |
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February 21st, 2012, 07:18 PM
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#516 |
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clutch
Name: nameless
Location: Maryland
Join Date: Jul 2011 Motorcycle(s): L1 GSXR600 Posts: 543
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damn, you guys are getting wrecked for insurance. lol
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February 21st, 2012, 07:27 PM
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#517 |
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ninjette.org member
Name: Jason
Location: Austin TX
Join Date: Dec 2011 Motorcycle(s): 09Ninja250, Ducati Monster 800ie, Harley FXSTS,Rebel 250,CR144,KX85,RM85L Posts: 142
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Always gotta love the guy that talks smack but not willing to give his actual price...
__________________________________________________
Thanks to: , DUNLOP, WHOOPIE RACING, 995 PAINTWORKS, South Austin Motorcycles |
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February 21st, 2012, 07:37 PM
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#518 | ||
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clutch
Name: nameless
Location: Maryland
Join Date: Jul 2011 Motorcycle(s): L1 GSXR600 Posts: 543
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Quote:
Quote:
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February 21st, 2012, 07:46 PM
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#519 |
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ninjette.org member
Name: Jason
Location: Austin TX
Join Date: Dec 2011 Motorcycle(s): 09Ninja250, Ducati Monster 800ie, Harley FXSTS,Rebel 250,CR144,KX85,RM85L Posts: 142
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haha yeah I missed it. I actually called SF today and they quoted me a price for my cars half of what I am paying with met life.
For bike insurance I am paying way less than half of what anyone else quoted. Progressive was almost $1300 for FC. I almost tripled my payment when I added my 16year old. I was about $260 for FC on the Harley then I added the kid...bamn. ton of bricks. it cost me an extra $1800/year to add him to the car policy. Also the thing is none of us are comparing apples to apples. Each states minimums are different. Insurance went down a lot moving from phx to Aus without changing companies or coverage. Lots of theft and accidents in PHX.
__________________________________________________
Thanks to: , DUNLOP, WHOOPIE RACING, 995 PAINTWORKS, South Austin Motorcycles |
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February 23rd, 2012, 05:25 PM
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#520 | |
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Always.
Name: Alex
Location: Calgary, AB
Join Date: Mar 2011 Motorcycle(s): '08 Ninja 250, '05 GSX-R600 Posts: A lot.
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Quote:
I'm at 420/year basic and happy with it. It's not beneficial for me to pay full.
__________________________________________________
blink-182 |
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