MiataNC
Platinum Member
- Dec 5, 2007
- 2,215
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$10 vs $7/month for liability for an unmarried 23 year old (me) from progressive for a 600cc GSXR and a Ninja 250cc respectively.
Liability covers the damage you do to someone else. Plowing a 250 or a 600cc supersport into someone else will result in similar damage to whatever you hit. As far as insurance companies are concerned the bikes are "equal" in this respect.
Comp/Collision covers damage to the bike caused by you (or by someone else who is uninsured). Rates for comp/collision are based on how often a specific bike is wadded up resulting in a claim paid out by the insurance company.
Any rider with half a brain will carry comp/collision unless it is too expensive. I guarantee you will be quoted (or already were) a lot more for the GSXR than the Ninja 250 for comp/coll. Otherwise you would NOT be shopping for liability only and posting it here.
Insurance is not a good reason to not get a 600cc.
I used insurance as an example, because underwriters are not biased.
Insurance companies are like casinos. They know the odds, and the house always wins. When was the last time you saw an insurance company post net losses?
They charge more for supersports, because statistically they know that these bikes are more likely to be wadded up. A new rider should pay VERY close attention to the quoted rates on the bikes he/she is looking at.
