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View Poll Results: How much (per year) for ninjette insurance? | |||
full coverage (liability/comp/collision): less than $100 | 35 | 7.71% | |
full coverage: $100 - $300 | 111 | 24.45% | |
full coverage: $300 - $500 | 77 | 16.96% | |
full coverage: $500 - $800 | 50 | 11.01% | |
full coverage: more than $800/year | 37 | 8.15% | |
liability only: less than $100 | 51 | 11.23% | |
liability only: $100 - $300 | 52 | 11.45% | |
liability only: $300 - $500 | 25 | 5.51% | |
liability only: $500 - $800 | 8 | 1.76% | |
liability only: more than $800/year | 8 | 1.76% | |
Voters: 454. You may not vote on this poll |
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August 3rd, 2009, 08:48 PM | #121 |
ninjette.org member
Name: David
Location: Quebec, Canada
Join Date: Jul 2009 Motorcycle(s): 2009 Kawasaki Ninja 250R SE Posts: 22
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Me and my wife both got brand new 09
Im 27 no ticket, no accident, full cover = 410$CAN/Year My wife, 31, no ticket, no accident, full cover = 220$can/year we're both on apprentice license so next year when we will get our full license it should come down |
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August 3rd, 2009, 11:39 PM | #122 |
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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Full coverage, 19 years old, 2008 Ninja 250, American Family Insurance, $209 a year.
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August 4th, 2009, 12:45 AM | #123 |
ninjette.org sage
Name: Howard
Location: Cypress, So. Cal.
Join Date: Feb 2009 Motorcycle(s): '09 Candy Thunder Blue Ninja 250R Posts: 618
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18 full coverage for like $90 a month =/ state farm. I WIN.
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August 4th, 2009, 03:39 AM | #124 |
ninjette.org member
Name: Nathan
Location: West Georgia
Join Date: Mar 2009 Motorcycle(s): Yamaha R6 Posts: 145
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Man, now I wanna be 25..geez..I'm getting hit for about 85/month. I'm guessing that's kuz I'm 19 and less than a year riding.
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August 4th, 2009, 04:14 AM | #125 |
ninjette.org member
Name: W
Location: atlanta
Join Date: May 2009 Motorcycle(s): None Posts: 46
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28, 50k/100k full coverage. 250collision, 100comp, --> $220 a year through State Farm.
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August 4th, 2009, 04:30 AM | #126 |
ninjette.org member
Name: STACEY
Location: DALTON, GA
Join Date: Jul 2009 Motorcycle(s): 2008 KAWASAKI NINJA 250R Posts: 28
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38 year old female, 08 250, state farm = $23 a month. But I also have a house, 3 vehicles, gsxr 600, 4 life ins., and a camper also listed with them, they do give extra discounts the more that you carry with them.
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Don't get MAD, get EVEN! |
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August 4th, 2009, 05:05 AM | #127 |
IC2(SW)
Name: Kerry
Location: Pensacola
Join Date: Nov 2008 Motorcycle(s): . Posts: A lot.
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When they dropped house coverage here in Florida, it only raised the autos $80.00 a year. Kinda pissed me off, it was there choice to not cover house's here anymore. SF could never give a good bike quote even with autos and house. Insurance is a funny thing.
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August 4th, 2009, 05:24 AM | #128 | |
Bike Thrasher
Name: JaeL
Location: Omaha
Join Date: Apr 2009 Motorcycle(s): 2008 EX250r Posts: 334
Blog Entries: 10
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Quote:
lol how do you win when you're still paying $83 more a month than I?
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Intuitive Sliders, Aftermarket pegs, Custom Paint, Seat Cowl, Tinted Screen, Aftermarket flush mounts, Wheel Tape, Fender Chopped, Stock Shortie Exhaust and Woodcraft ClipOns |
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August 4th, 2009, 05:58 AM | #129 |
old git
Name: Steve
Location: Geneve Switzerland
Join Date: Mar 2009 Motorcycle(s): BMW K1300S Posts: 479
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I pay the equivalent of $300 per year this is full cover for me and anyone I allow to ride the bike. It also covers theft of articles from the bike, my cloths helmet etc if I fall off. Any damage caused in a parking lot or vandalism is also covered.
Steve
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Some mistakes are too much fun to make only once. |
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August 4th, 2009, 06:15 AM | #130 |
So slow I'm first!
Name: Sunny
Location: San Jose, CA
Join Date: Oct 2008 Motorcycle(s): 06 Kawasaki Ninja EX250 Posts: A lot.
Blog Entries: 10
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29 Female, I have both my car and bike on progressive. Both have ful coverage against it all (This is Baltimore afterall), and I pay $32 a month for Tyke's insurance. And yes I keep it year round. One never knows what might happen in a storage facility.
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Learn from the mistakes of others, you cannot make them all yourself. Save yourself the trouble and Learn. |
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August 4th, 2009, 06:49 AM | #131 |
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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Move down here to Texas and you won't need to store it!
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--- My IG Page --- My FB page! --- 2022 Honda Navi && 2018 Z-125 Pro |
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August 4th, 2009, 06:53 AM | #132 |
ninjette.org certified postwhore
Name: Sam
Location: Northern Virginia
Join Date: Nov 2008 Motorcycle(s): Ninja 250R 2009 Posts: A lot.
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Unfortunately, this is like comparing apples to oranges. Liability limits, deductibles, etc. determine your policy costs. Someone with "full coverage" who is 25 years old and has liability limits $20,000-$100,000 with deductible of $500, might pay $100/year. Someone with "full coverage" who is 50 years old and has liability limits of $300,000 with $250 deductible, might pay $200/year. If the 25 year old opted for the $300,000 with $250 deductible, it might cost him/her $500 or more per year! YMMV
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August 4th, 2009, 06:54 AM | #133 |
ninjette.org sage
Name: Chris
Location: Huntsville, AL
Join Date: May 2009 Motorcycle(s): 2009 Ninja 250 (sold) Posts: 755
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20 years old, 950 per year, I have some off brand generic insurance company, that quoted me much cheaper than everyone else. My driving record is squeaky clean until I pay this bad speeding ticket off.(was going 35 over)
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August 4th, 2009, 08:07 AM | #134 |
So slow I'm first!
Name: Sunny
Location: San Jose, CA
Join Date: Oct 2008 Motorcycle(s): 06 Kawasaki Ninja EX250 Posts: A lot.
Blog Entries: 10
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Heck no! No offense of course... If I move again it'll be back to Cali... Thunderstorms :: shiver ::
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Learn from the mistakes of others, you cannot make them all yourself. Save yourself the trouble and Learn. |
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August 4th, 2009, 08:12 AM | #135 |
ninjette.org member
Name: SHIFT
Location: QUEENS, NYC
Join Date: Jun 2009 Motorcycle(s): 08 Candy Plasma Blue Posts: 125
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22 turning 23 soon, liability minimum for ny plus theft/natural disasters coverage, 550/year through esurance
should go down even more next year
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Real HIP HOP is not on the radio | SHIFT the MC | 3,100 Channel Views & Rising | Updated April 18,2010 |
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August 4th, 2009, 10:39 AM | #136 | |
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:
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August 4th, 2009, 11:31 AM | #137 |
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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I couldnt get collision or comprehensive insurance for anything below 1k a year, and figure that its probably not worth it at that price. Any suggestions? 20, about to be 21 new 09 ninja250 clean record. looks like statefarm is pretty good
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August 4th, 2009, 03:06 PM | #138 |
ninjette.org sage
Name: Howard
Location: Cypress, So. Cal.
Join Date: Feb 2009 Motorcycle(s): '09 Candy Thunder Blue Ninja 250R Posts: 618
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August 4th, 2009, 03:43 PM | #139 | |
ninjette.org certified postwhore
Name: Dave
Location: Michigan
Join Date: May 2009 Motorcycle(s): 2009 Kawasaki Ninja 650RTE & 2009 Kawasaki Ninja 250R (SOLD) Posts: A lot.
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Quote:
im 32, no tixs all clean, and i pay 354 yr. cheapest is 214, but i dont have medical.. so i added that in the event i get hurt... least my leg or such will be covered im with state farm also, mt car is different tho |
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August 4th, 2009, 03:48 PM | #140 |
ninjette.org member
Name: Keith
Location: Munroe Falls Ohio
Join Date: Dec 2008 Motorcycle(s): 2008 ninja 250 Posts: 98
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Full coverage for 26 a month,and 13 a month for fire and theft once i put the ninjette up for storage in mid to late December.This is from Allstate with me being 38yrs old and nothing on my driving record.
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August 4th, 2009, 04:25 PM | #141 |
ninjette.org guru
Name: mike
Location: tucson az
Join Date: Dec 2008 Motorcycle(s): ninja 250r Posts: 371
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I have Country Financial i pay $28 month and or $338 yr I am 30 and have only had my mcl for less then a year. I have never gotten a ticket. I used progessive for my cars for over 10yrs and they still wanted $185 a month to add the 250r so i had to switch every thing over to Country Financial
liabiltity-bodily injury-250,000-500,000 property damage 100,000-300,000 uninsured motorist 100,000-300,000 and underinsured motorists 100,000-300,000 with a $500 deduct
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08 250R: sportisi VR full exhaust, Dynojet, custom seat, kleen air rmvd, rim tape, grips, fender chop,zg db windscreen,k&n air filter,15t front sprocket,sportisi-usa clipons,solo seat cowl |
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August 4th, 2009, 08:18 PM | #142 |
sir posts a lot
Name: michael
Location: HI
Join Date: Jul 2009 Motorcycle(s): '09 Black 250R Posts: 267
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I have State Farm and I pay about 170 dollars a year for Full collision/comp. I have a $250 dollar deductable and also have some coverage for dropping or scratching the paint (250 deductable 1 time every 2 years). What that means is I can get my bike repainted every 2 years for only $250. I have to say that was the deciding factor for my ninjette.
Ohh with that said I do not have very good personal bodily injury as the military will pay for it (as long as dot my "i" s and cross my "t" s)
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A girl walks into a bar and orders a "double entendre" So the bartender gave it to her "once you go black, you never go back." |
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August 4th, 2009, 09:32 PM | #143 |
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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I pay that much for everything but col/comp. I want col/comp dammit lmao. I gota figure this out. A lot of people seem to be in the military on here, pretty cool if u ask me, i considered the air force for a while but my parents were against it so i got a motorcycle instead
but about state farm... i think i'll check out a quote from them and just cancel my insurance with Rider even though I already paid 200. But If i can coll/comp from state farm for the same price, i think i'll just call it even...
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August 4th, 2009, 09:52 PM | #144 |
ninjette.org guru
Name: Dan
Location: Chicago, il....
Join Date: Jun 2009 Motorcycle(s): 2007 Suzuki GSX-R750 Posts: 378
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LIABILITY ONLY on my 07 gsxr-750 is $679 a year...
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August 4th, 2009, 10:03 PM | #145 |
ninjette.org member
Name: Brian
Location: Central KS
Join Date: Jun 2009 Motorcycle(s): '07 VStrom 1000 - '06 TW200 Posts: 26
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I'm 30, no tickets, no accidents - Policy is full coverage 50/100/50, $250 for comp & collision, no personal injury protection. Wife & I are both on this policy. $7 & change per month through State Farm.
We also have the house, cars, & my bike with State Farm. |
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August 4th, 2009, 10:42 PM | #146 |
ninjette.org member
Name: Raf
Location: Mississauga
Join Date: Jul 2009 Motorcycle(s): Ninja 250R 08 Posts: 59
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I pay 1600 on a 08 250 im 24. Ontario has some messed up insurance. thats all i got to say.
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August 5th, 2009, 04:31 PM | #147 |
ninjette.org certified postwhore
Name: Steve
Location: Kekaha, Kauai HI
Join Date: Jan 2009 Motorcycle(s): 05 GSX-R 600 2003 EX250: Woodcraft Bars, Levers, Mirrors, Shim'd Mixture, Synthetic, '08 Rear Shock Posts: A lot.
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i have liability only, i'm 46 with a '03 EX 250 F, with Progressive i'm paying about $100.00p/yr.
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Remember when sex was safe and motorcycles were dangerous? |
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August 7th, 2009, 12:40 AM | #148 |
ninjette.org certified postwhore
Name: addy126
Location: Tx
Join Date: May 2009 Motorcycle(s): '09 Kawasaki N-250 + '09 Vulcan 900 Classic Lt Posts: A lot.
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09 N-250 @ $ 280.00 per year/23.00 per month from Dairyland Insurance
liability-bodily injury property damage uninsured motorist and underinsured motorists 500.00 deductible no medical (employment medical insurance does me fine) |
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August 22nd, 2009, 02:31 PM | #149 |
ninjette.org guru
Name: Jessica
Location: Calgary, Canada
Join Date: Jul 2009 Motorcycle(s): '09 Metallic Diablo Black Posts: 298
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2009 Ninja 250
Age 26, female State Farm (I do not have anything else insured with them) $1,000,000 liability $500 collision $250 comprehensive $452 CAD/year They actually didn't care that I don't even have my class 6 license yet... It would have been the same rate regardless. |
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August 22nd, 2009, 03:18 PM | #150 | |
ninjette.org member
Name: Ichiro
Location: So.Cal. Long Beach.
Join Date: Dec 2008 Motorcycle(s): 2008 250r(sold). 2013 Kymco Super8 150 Posts: 223
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Quote:
Ask yourselves if this would make any sense: How much should I pay for a motorcycle? "I just bought a 'sports bike' for $5,000!" "Wow that's cheap, I just paid $9,000!" " You guys all overpaid, I just got one for $3,500." "Damn. Great deal!" Huh? |
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August 22nd, 2009, 06:52 PM | #151 |
ninjette.org member
Name: Alex
Location: Oakville
Join Date: Jul 2009 Motorcycle(s): 09 250 SE Posts: 27
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August 22nd, 2009, 07:44 PM | #152 |
ninjette.org member
Name: Nick
Location: SALT LAKE CITY, UT
Join Date: Jun 2009 Motorcycle(s): Red '08 250 Posts: 233
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$74 for 6 months, progressive, 22, first vehicle.
should be lower next visit too =) |
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August 25th, 2009, 03:49 PM | #153 |
ninjette.org newbie
Name: Richard
Location: Chesterfield, Virginia
Join Date: Aug 2009 Motorcycle(s): 2008 Ninja 250R Posts: 9
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I have progressive:
Brand new rider, Age 27 Male, $250,000/$500,000( Liability/Collision); $100,000 Property damage Deductibles: $250 Liability; $1,000 Collision No medical But I have towing... I have several other policies with progressive (two cars, umbrella, and homeowners) I'm paying $380 a year. I think I'm paying a bit too much, but I will until next July to see how much my premiums will drop...
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Gear: Akuma Frost Helmet, Olympia GT Air Transition Jacket, Olympia Airglide pants, Sidi Vertigo Boots & Held Steve gloves |
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August 27th, 2009, 01:59 PM | #154 |
ninjette.org member
Name: Jacob
Location: Matthews, NC
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja 250R Posts: 28
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Every state has different insurance rates. Every insurance company quotes differently. I currently only have Liability on the ninja because I figured I would be smart and just go get the bike and write my own insurance through progressive that day. I'm an agent by the way. Well they wanted over $1,200 a year on a brand spankin new 09 250r. So I went with Liability for $86 bucks a year. I found out through my underwriters that Progressive could give a damn about CC's. They look at the classification of the bike. If you have a cruiser they love ya but if you have a sport bike they WILL quote ya but they are gonna make it so high you wouldn't want it anyway. So all said and done I'm looking for full coverage elsewhere. I've been told State Farm and All State are our best bets. Just be careful and shop around unlike this guy.
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August 27th, 2009, 02:31 PM | #155 |
ninjette.org guru
Name: Z
Location: Long Island, NY
Join Date: May 2009 Motorcycle(s): 2009 Ninja 250R (sold) Posts: 356
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$60 / mo with Progressive for Comprehensive with the maximums. $500 deductable
24 years old, no tickets within 36 months. BTW, progressive definitely does look at CCs. They quoted me $80 / mo for the 500R. |
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August 27th, 2009, 02:47 PM | #156 |
2 Wheel Newb
Name: Scott
Location: Sacramento, CA
Join Date: Jul 2009 Motorcycle(s): 2007 250r Posts: 218
Blog Entries: 1
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398 dollars a year for basic liability, 500 dollar deductible on collision and towing.
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"Always remember, your mind is like a parachute. It works best when not being eaten by zombies" -Someone |
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August 27th, 2009, 03:10 PM | #157 |
ninjette.org member
Name: Jacob
Location: Matthews, NC
Join Date: Jul 2009 Motorcycle(s): 2009 Ninja 250R Posts: 28
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I'm sure everyone checks CC's to some extent but I've been an insurance agent for almost 4 years now and I can definitely tell you that in NC they are outrageous on sport bikes. Progressive just looks more aggressively at other factors than engine size. I've also heard that NC has quite a high motorcycle theft rate which may have something to do with our higher bike insurance prices. I haven't had a ticket of any kind in over 5 years either. knock on wood!
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August 28th, 2009, 07:21 AM | #158 |
ninjette.org member
Name: Steve
Location: Providence, RI
Join Date: Feb 2009 Motorcycle(s): '95 BMW K75 Posts: 188
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I'm 31 in RI with a clean record, an MSF discount and a "having a child and a house" discount through Progressive. I'm not sure if the quoted section is a legit discount, but I presume it lowers your risk rating, since my rates went down when I checked both boxes.
Full coverage at 25/50 with $1,000 deductible. Includes Comp/Coll, Uninsured/Underinsured, medical payments and liability. Does not include roadside assistance (I've got that through the AMA). Paying a year in full, it's $700 even. Paying monthly, it comes out to $755. |
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August 28th, 2009, 07:26 AM | #159 |
ninjette.org guru
Name: Z
Location: Long Island, NY
Join Date: May 2009 Motorcycle(s): 2009 Ninja 250R (sold) Posts: 356
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MSF is a 10% discount by law in NY.
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August 28th, 2009, 10:37 AM | #160 |
ninjette.org member
Name: Tena
Location: Morris Co. NJ
Join Date: Jul 2009 Motorcycle(s): 2008 blue 250r "KameSane" Posts: 67
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i pay $12 a month for my 250, i'm 29, and i think i have a $500 deductible on collison, but not too sure on that.
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