$1800 for just 6 months. WTF?
 

So I was going to go look at a new '14 Ninja 1000 with hard bags. Called my ins. lady and progressive wants $1800 for 6 months full coverage. So if I put the bike on a 4 year note, Id pay more than what I would pay for the bike.

Progressive was extremely high for me as well. I went with Geico after switching from Statefarm. When the car policy expires I'll check back with Statefarm again. I also opted out of comprehensive and collision for the new bike.. ('15 CBR 500). They want way too much for that shit.

Looed at gieco and dairy but still high.

State Farm is pretty good - I bundle my house, 4 cars, and the multi. All together it's 300/month for the 4 cars (2 full coverage) and the bike. The multi is 27$/month of that 300 with full coverage.

Progressive fucking sucks. I've never heard of anyone getting a good deal on bike insurance through Progressive. Never. I have however, heard of people who thought they were getting a decent deal, only to find they could save hundreds (even $1k+) switching to someone else. Don't sleep on your local ma and pa insurance either... but, for my money, State Farm is really hard to beat.

I've never had anyone be able to get close to what I pay for full coverage through Geico. I'm paying $400 a year.

That frickin Ninja 1000 is absurd on insurance. I looked at buying one and the insurance turned me off. I looked when I was 23 and I had companies quoting me at 7, 8, 10 grand a year. You might as well run it off a cliff after 1 year and get a new bike. Kawasaki fucked up with putting the ZX in the VIN#. But when you quote the Z1000 its less than half the price...

Yea, I found that out. I did a quote with allstate and got it down to $100 a month. Still too much for my taste.

I have my house and truck tied to one company but they dont do bikes so thats why I have progressive on the vfr. Its only $77 a yr for liabilty.

Then the manufactures blame us for not buying them and they stop making them.

I have recently put all my policies with Auto Owners. Their rates were F'in awesome when I had the house, regular cars/trucks, stated value stang, and stated value Harley. Plus the ability to put the stang and harley to storage during the winter months.

Came here to post this. In my experience, assuming you bundle your bikes with your cars and/or home, it goes pretty much like this:

Auto Owners > Liberty Mutual > State Farm > Geico > everyone else

Progressive and Allstate have never been remotely close to the ballpark.

I've used AO for years, though I am about to start shopping around again. Their rates have jumped 10-15% every year since I signed with them. Could be the entire market has seen similar increases, but it still pisses me off enough to check with other providers.

I haven't used these guys since 2006-ish, but they were always very reasonably priced when I insured just the bikes without an auto/home bundle:

ACE Cycle Insurance

http://www.acecycleins.com/index_files/logo.gif

I pay $285.05 every six months for my Suzuki, Hayabusa ($47.50/mo), for full coverage, comprehensive and collision, with USAA.

$3800 a yr with esurance BUT I saved $7000!!!!


Insurance companies must thrive off of stupid people.

Damn, that sounds like Ontario style insurance rates. I'm currently paying around CAN$1100.00 per year for $1M liability and coverage that would likely pay out if I was hit by a falling Russian satellite.

For reference, currently 26, clean record.

2011 Tuono V4R - $456 full coverage
2010 RC8R - $988 full coverage
2010 R1 - $1159 full coverage
2010 ZX14 - $1776 full coverage
2010 Ninja 1000 - $2931 full coverage

WHAT THE EVER LIVING FUCK???? :lol: :panic:

You boys need to quit buying the expensive shit! I pay $160 a year for full coverage on my 2001 Tiger 955i through Progressive. I think it's $75 a year for liability only on my 1998 KLR650.
By the time I'm able to afford a new Vmax, the insurance will probably be reasonable on it too!
Hmmm? I wonder what insurance would be on a new H2!?

Ninja roughly translates to "dry, no lube" when translated from traditional Japanese to Insurancese.

$4,554 full coverage. :cry:

Use VIN# JKAZXCN1XFA000204 for yourself.

Up here, several insurance providers use a black list. Typically that black list says things like:

Ducati: all models

Kawasaki: Ninja all models

When I was trying to get insurance for my ER6n, a few years back, my insurer wouldn't cover it because they said they "don't cover sportbikes." They did say that they would keep covering my '00 VFR800, or a new one if I bought the latest version. Hmmmm...... so what is a sportier bike; A Kawi ER, or a Honda VFR? :skep:

This same company said that they would also not cover a Ninja 650R, but would cover a Versys 650. Brain. Damaged.

Its more about insurers being stupid on what a bike is.

A fine example is the z1000 and ninja 1000. Exactly the same bike and same price basically and the z1000 is has cheaper insurance.

Yeah and for me State Farm had great rates but they kept increasing to the point that their rates were out of hand...

I think it varies a bunch from state to state.

Some companies will do that; depending upon customer inertia to keep them, while slowly increasing their rates. Unfortunately it works, because most people are too lazy to shop around for cheaper rates. It's the same thing as the old 'slowly increasing the temperature and boiling a frog.'

Yeah you may be right. I know it is some time to put in to switch.

That's what State Farm did to me. The car was steadily climbing up, so I just said fuck it. Went to Geico and they shaved off almost $200.