Just Got A Quote For Motorcycle Insurance..

[Superwormy]

Check out other insurance companies too, or wait a few years.

I'm 23, I have a Ninja 250 and pay $200 per year with Geico

 

[JS80]

i paid like $500 a year for liability only when I was 17.

 

[senseamp]

If I were to take MSF course and get a used standard bike in south SF bay area, at 27, how much should I expect to pay for insurance as a newbie?

 

[ponyo]

Originally posted by: senseamp
If I were to take MSF course and get a used standard bike in south SF bay area, at 27, how much should I expect to pay for insurance as a newbie?

Under $300 a year would be my guess. You should call your agent or check online with company like Geico.

 

[DarkThinker]

Hmm crotch rockets, I am selling child support insurance policies for those if anyone is interested wink wink.

 

[Saga]

Wow. Odd. I've got two bikes, a '85 Nighthawk 700S, and a '02 ZX-6. I pay $80 every 4 months. And I'm young.

 

[Toastedlightly]

My Kawasaki 175cc Enduro is $128 for the entire year (not comprehesive, but has under/uninsured motorist protection and medical).

 

[ballmode]

2002 Sv650

costs me 28 a month! WOO WOO for partial

 

[potoba]

how much do you make annually?

 

[Greyd]

I pay $100 for coverage.

 

[IGBT]

..don't forget to carry your organ donor card.

 

[rstrohkirch]

2005 ex500 - $325/yr for full coverage
1991 gsxr750 - $350/yr plpd

25 in MI

Most people suggest that the classification of the bike in the US makes the biggest difference

 

[Superwormy]

*DO NOT* get a GSX-600 as your first bike when you're 18. That is an insanely fast bike for an 18 year old to have.

Go buy a Ninja 250 or a Ninja 500, your insurance will be cheaper and you arn't as likely to get yourself killed.

I'm 23 and insurance is $300 US per year for both a Ninja 250 *and* a Ninja 500. Oh, and take a motorcycle safety course too, usually that will drop your insurance rates.

 

[LeiZaK]

You need a couple of years experience and maybe a membership or two... It will go down drastically after that.

edit: As others have mentioned, get a 250 for your first bike and it will be a lot cheaper.

 

[JDub02]

Full coverage insurance on my 2006 Yamaha 1100 is $200/year.

Cruisers FTW!!

And when I want outrageous speed, I take out my brother's Ninja 600 .. and he gets to pay the insurance.

 

[halik]

Originally posted by: rstrohkirch
2005 ex500 - $325/yr for full coverage
1991 gsxr750 - $350/yr plpd

25 in MI

Most people suggest that the classification of the bike in the US makes the biggest difference

Word,
2002 F4i $120/yr for plpd
2003 GSXR 6000 $300/yr full coverage

23 in MI also

 

[J3S73R]

They can very... ive quoted people on any type of sportbike and if you have little to no experiance and are young... its about the cost of the bike.

Oh also... a GSXR-600 is a lot of bike for a first bike... I wouldnt say to go with the Ninja 250 or 500s though as you would outgrow them quickly... perhaps like an SV650 or YZF600R(not the R6).

It seems others work in insurance also haha!

 

[jadinolf]

What the heck--go for it.

 

[Kelemvor]

Does progressive insure there? That's who I used for my insurance and it was really quite cheap. Granted I wasn't 18 (more like 24 or so) but you could try them or Geico if either insure where you are.

 

[Mavrick007]

You have three things going against you: age, bike experience, and the type of bike. Here they are raising bike insurance or simply refuse to insure sport bikes as they are a huge liability. It is very closely coming towards being a "restricted" bike. Insurance companies plan on not having to pay out anything when they insure you for a vehicle and if the premium is high, they must feel that you are at more risk than another driver, and you are because you have a lot going against you.

The best advice, even though you don't want to listen to it, will be to get a smaller non-sport bike (or small sport bike such as the Ninja 250/500) and get a couple years experience with "no infractions". This means, driving responsibly and do not get any speeding tickets because they will jack up your premium. If you make even one claim or get a ticket, it will seriously hurt your chances of getting decently priced insurance for the future.

If you want to play around, get a dirt bike and go out with your buddies to a sand pit or something. This is coming from someone who has a sport bike (R1) and a dirt bike (KX250) so I know what it's like. Have fun, ride safe and I'll see you on the road.

 

[BoberFett]

Originally posted by: Saulbadguy
18 years old and a crotch rocket?

Seems like a fair price.

Fixed.

 

[Jahee]

Lol, didn't expect to see this again!

I turned 19 since this, decided to hold off for a bit, soon as i get the money though i'm gonna take my test so i'll have had a licence for longer when i get the bike in a year or two..
Might get a little 125 to zip around town in though for the meanwhile.

 

[AgaBoogaBoo]

That's a lot of power for someone of your experience, IMO... I was looking at the Ninja 250R and was able to get rates that weren't going to kill me if that was my choice.

Why are you looking for something so powerful? You do realize that the smaller bikes like the 250R will be faster than most cars on the road?

 

[imported_Imp]

That seems pretty par for the course, especially in Europe, considering it's 600cc, you're 18 and it's a crotch rocket. That bike might even be blacklisted at such a high cost.

Don't forget, SOME insurers actually factor in driving experience or how long you've held a driver's license. Makes sense since your intuition and knowledge of how other drivers will react are very important. Think most people start getting breaks around 25. Hoping to get my license (non-temp) about a year from now, and still preparing to be raped on a Ninja 250.

 

[BigJ]

Originally posted by: Imp
That seems pretty par for the course, especially in Europe, considering it's 600cc, you're 18 and it's a crotch rocket. That bike might even be blacklisted at such a high cost.

Don't forget, SOME insurers actually factor in driving experience or how long you've held a driver's license. Makes sense since your intuition and knowledge of how other drivers will react are very important. Think most people start getting breaks around 25. Hoping to get my license (non-temp) about a year from now, and still preparing to be raped on a Ninja 250.

What do you mean "some"? I'd sure as hell like to know which don't, this way I don't have to pay $2400/year for insurance on a dinky Escort.