What do you pay in motorcycle insurance? - Page 2 - Kawasaki Ninja 1000 Forum
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post #11 of 173 Old 03-29-2014, 10:59 AM
ken
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First Progressive quote i received was $2800. but they didn't quote the N1000. Once that was corrected the second time around it dropped to $840.
Im also 45 married,kids etc so there was no reason for the original quote.
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post #12 of 173 Old 03-29-2014, 11:43 AM
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What woudl really make you angry is to see the rate of the z1000. Typically, its more in line with the 250 ninja price. All the plastic? OK, but the z would then grind metal parts vs plastic on ours. Wonder what costs more? a-holes.
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post #13 of 173 Old 04-23-2014, 12:05 PM
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I hate the use of the phrase "full coverage". Everyone says full coverage, but I can almost guarantee you're all either talking about state minimum coverage, or varying degrees of coverage and deductibles. And obviously rates are going to differ based on coverage levels and deductibles. Like many others that have already posted, progressive have me an outrageous quote, something like $3500. Got a quote from state farm that's $720/yr, $1000 collision and comprehensive deductibles, 100/300/100, and some underinsured and uninsured extras, I don't remember the $ values though.
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post #14 of 173 Old 04-23-2014, 01:32 PM
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And that wasn't a knock on anyone so far that's used that term. I just wanted to point out that saying "full coverage" doesn't indicate what you're actually getting, and therefore makes comparing rates difficult. All State's website probably does a better job detailing what I attempted to describe in my post above: What Is 'Full Coverage'?—Allstate
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post #15 of 173 Old 08-12-2014, 09:58 AM
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AMIG actually dropped my rate for the second year, down under 300 for the year....Not as awesome as it sounds as Utah's riding season is measured in hours, not days! Then again, Flow wanted to work me over with a strap on....
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post #16 of 173 Old 08-13-2014, 12:16 PM
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Not only is "full coverage" a very vague term, but other rating issues (age, location, married, credit score, home ownership, etc.) make it almost impossible to say that just because I got the best rates from GEICO, that someone else would too.

Unfortunately, as an attorney, I see that the cheapest rates are not necessarily the best thing to go for --- unless you can guarantee you'll never be in an accident. Some insurance companies go way out of their way to deny claims. Good claims handling should be a factor in which insurer you go with.

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post #17 of 173 Old 08-14-2014, 09:45 AM
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Originally Posted by Warprints View Post
Not only is "full coverage" a very vague term, but other rating issues (age, location, married, credit score, home ownership, etc.) make it almost impossible to say that just because I got the best rates from GEICO, that someone else would too.

Unfortunately, as an attorney, I see that the cheapest rates are not necessarily the best thing to go for --- unless you can guarantee you'll never be in an accident. Some insurance companies go way out of their way to deny claims. Good claims handling should be a factor in which insurer you go with.
Exactly. Need to know coverage+deductible to compare prices. Also, I've found that the additional premiums for better coverage is minimal.

In my case .. I'm a 41 y/o married male with outstanding credit and two accidents, no tickets, and get various multi-line discounts (car, mc, home-owners, umbrella, etc). I'm with State Farm.

On the Ninja I pay $332/year for $250k/$500k/$100k and $250k each under/uninsured. $1000/$500 deductible.

For comparison on the FJR1300 I pay $197/year, and the SV650 $178/year.

Keep in mind this in Minnesota, where we have low crime, long non-riding winters, and not many curves.

- Norskie
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post #18 of 173 Old 01-07-2015, 10:29 PM
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My $20k BMW R1200GS was 25% cheaper to insure than my $11k Ninja! And that was full comprehensive cover! Ninja riders must be in a really bad hi risk group - hp is almost the same on both bikes.
I now pay $800 comprehensive a year for the f800gs and the ninja 1000 with a $1000 deductible with geico.
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post #19 of 173 Old 01-08-2015, 04:31 PM
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Progressive classifies the n1k as a super bike. Dairyland classifies as a sport tour My insurance for full coverage was about 300/year (47 and married).
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post #20 of 173 Old 01-16-2015, 07:11 PM
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%^&@ Progressive! I'm 40 with no tickets or accidents and they told me 1000 down and $500 a month. I hung up on them and removed my cars as well and went with a small town insurance company. I pay less than $150 a month now for full coverage on my auto and motorcycle
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