When I first got my N1K, I was a little surprised at how much insurance was, especially for such a low value(cost wise) moto. I know there's more to it than that, but it's still absurd. I did somewhat expect this from what I read on various threads here, but damn it's still too high. This is far from my first moto too. Been riding for over 13 years now.
My problem is it's still very high all these years later. No tickets(lucky I guess?) or points, no accidents, and I'm 36. Been with Geico for over 7 years now too. This is the only vehicle I've ever owned that didn't start dropping after a few years of ownership. 6 month premium is $680, and that's without collision. Collision would pretty much double it. Is there something I'm missing here? I know Cali is on the high side, but I also know there's cities and states that are far worse. I love this bike, but I'm sick of getting reamed so hard on insurance on a sport touring moto. I did a few online qoutes, and a ZX10R, for comparison, would cost less. WTF? I may just have to dump this thing and get something cheaper to insure. Paying this much was fine for a bit, but it isn't going to work with my plan of ditching this state and getting a house. This thing is only worth about $5K tops in the market, so paying this much in insurance really doesn't make any sense. /rant
Has anyone's premiums dropped by a large amount after owning the N1K for a few years, or does just stay expensive forever? Has anyone in Cali had any luck with other providers?