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Insurance costs
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03-31-2006, 12:39 PM
I'm looking around at the costs of ownership of a bike right now and I was wondering what everyone is paying roughly for insurance here.
Any info that could be shed on this would be great. Nick
03-31-2006, 12:42 PM
It all depends on what kind of coverage you're going to get. I just have the bare minimum coverage, liability only and it's just over $200 a year for me through Allstate. This is taking into consideration my discounts because both of my other vehicles are insured through them as well as my renters insurance. I was curious what it would be to add theft to the plan and that was going to be another $450 a year for the $500 deductible. If you are going to carry full coverage it's going to get quite pricey.
03-31-2006, 12:48 PM
Probably looking at just liability insurance. My car insurance is currently through progressive. Does anyone have any experience with them?
Nick 
03-31-2006, 12:54 PM
I'm with progressive for bike insurance - the 87 Yamaha was $90/yr, the 96 CBR is $140/yr - liability only. I have my car insurance w/ the gecko and they wanted $350 or so per year.
I'm 26 with only one violation (improper turn signal or something) in the past 5 years (on record at least).
03-31-2006, 12:55 PM
If its just liability it'll be pretty low, somewhere between $200-400 per year, maybe less if you take the MSF and have a good record.
2018 Ducati Panigale V4
Past: 2018 Honda Civic Type-R, 2015 Yamaha R1, 2009 BMW M3, 2013 Aprilia RSV4R, 2006 Honda Ridgeline, 2006 Porsche Cayman S, 2012 Ducati 1199, 2009 Subaru WRX, 2008 CBR1000RR, 2009 Kawasaki ZX-6R, 2000 Toyota Tundra, 2005 Honda CBR600RR, 1996 Acura Integra GS-R, 1996 Acura Integra GS-R, 1997 Honda Civic EX http://www.aclr8.com
03-31-2006, 12:56 PM
Also, anything over a 600cc bike will send your insurance rates through the roof.
03-31-2006, 01:04 PM
Nothing over a 600cc for me at first. Possibly a CBR 600 or something similar. I am 20 and have a clean record and will be taking the MSF this summer.
Nick
03-31-2006, 01:06 PM
Look for a Ninja 500 - they're cheap, plenty of them around, and pretty damn bulletproof.
My F3 is nice, but I dont think I would have wanted to put my first few thousand miles on it.
03-31-2006, 02:09 PM
It depends on so many things. Value of the bike, what kind of bike, engine size, driving record, full coverage, comprehensive, liability, what your deductable is, where you live, etc. I have a 94 Yamaha Seca II (600 cc's) and I paid 300 dollars for the first year I had it at 21 years old. This was in NOVA, clean driving record, and I have liability and comprehensive, but no collision. Keep in mind if you finance you will be required to get full coverage and it will be significantly more. After a year my insurance went down by about 50 bucks because I still had a clean record. It went down an additional 50 bucks by having the bike in Blacksburg instead of nova, so I now pay 200 dollars for a year of liability + comprehensive.
CCVT VP 05-06
1991 Sentra SE-R w/ SR20VE 1994 Yamaha Seca II
03-31-2006, 03:53 PM
full fairing bikes are more expensive too - if you cna find a bike that has exposed headlights and whatnot iti'll be cheaper - by a lot
2013 Cadillac ATS....¶▅c●▄███████||▅▅▅▅▅▅▅▅▅▅▅▅▅▅▅▅||█~ ::~ :~ :►
2008 Chevy Malibu LT....▄██ ▲ █ █ ██▅▄▃▂ 1986 Monte Carlo SS. ...███▲▲ █ █ ███████ 1999 F250 SuperDuty...███████████████████► 1971 Monte Carlo SC ...◥☼▲⊙▲⊙▲⊙▲⊙▲⊙▲⊙▲⊙☼◤ 
03-31-2006, 05:00 PM
i pay i high premium.
$1400/yr with liability and comprehensive (about $900 of the $1400) to cover my '03 600rr. My deductible is $100 though. If i chose a $500 deductible my premium would drop to a little over $1100. My '95 gs500e was only $330/yr with just liability. This is also my first year riding and i've completed the MSF course in Virginia. The bikes were also registered in Northern VA (nearly triple H-burg for my cars - :hammer  I'm 22 with 2 speeding tickets in the last 2 years, 1 minor accident 3 years ago, a reckless ticket about 5 years ago, and a ticket for neglegent driving with i was 16 (8 years ago - doesn't really count), but not close to a perfect record. I've also claimed a stolen car, and numerous break-ins/thefts from my vehicles on my car insurance. My insurance company is Progressive through USAA - i'm hoping to transfer to Statefarm next year after it's been 3 years since my last ticket so it's "clean" in their eyes (they only check 3 years prior to the date of issue).
'19 Golf R
Intro J Ray's Top Ten Previous: '99 BMW Z3 2.8L | 2019 Honda Ridgeline | 2010 VW GTI | 2008 CBR 600RR | 2005 Nissan Titan SE King | 2003 Honda CBR 600RR | 1998 Integra RS | 1998 Suzuki GS500e | 1999 Honda Civic Si | 1986 VW GTI 8v
03-31-2006, 05:00 PM
I'm paying just over $700/year full coverage (progressive) for this:
![[Image: zx6r10yw.jpg]](http://img504.imageshack.us/img504/1710/zx6r10yw.jpg) I'm 21 with a clean record but Progressive now considers the 00-02 Kawi 6R's as "sport tourers" because they were so popular Kawasaki continued making them under their ZZR line and markets them as tourers, not race replicas.
2001 Kawasaki ZX-6R
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