Bike insurance

Shop around with other insurance companies, don't just stick to big ones. I got quotes anywhere from $2800/yr (not bad for my area) and $8600/yr for full coverage on a new FZ-07.

youtube.com/watch?v=i1VvCsV-Tnc

I'm 33, married, no tickets, excellent credit.

The Ducati 959 quote went down to about $2500 with comprehensive coverage but NOT collision. It went to about $4000 with comprehensive and collision with a $1000 deductible.

I tried various other bikes and it's clear that Ducati are high risk bikes in the eyes of insurance companies.

Zx6r was about $2500 fully covered $1000 deductible

Cbr650f was just over $1000

So many clueless faglords have replied so far but thanks to the 2 or 3 who have actual understanding of insurance, specifically beyond minimum required by law

>Ducati 959

timestamp with proof

I bet they don't even own a super-sport.

Why would he lie? Are you in your 60's, because insurance doesn't go down that much after 25?

>Are you in your 60's

No, I'm 38 and currently paying $400 year for an 848. I've owned various other jap sportbikes in the past and they were more expensive to insure than my current bike.

... You want me to timestamp an insurance quote?

... Coz I sure as shit haven't bought a 959. Unless you assume getting a quote to establish costs of ownership is something only an absolute madman would do.

... Or do you want a timestamp of my bank account?

Whatever the case, no. I'm asking for input on comprehensive bike insurance quotes.

Was more interested in the 1299 but started with the 959 quote, thinking it would be a good starting point for comparison. Scrapped the idea when 959 quote woke me from that fantasy.

>38

No wonder. But it's still too high for us in our early 30's.

Yeah and $400 per year doesn't cover you for shit. Chill out. My original post CLEARLY stated I can get INSURANCE for the 959 for $300. That's pathetic coverage.

This.

I can afford the bike, but I don't want to throw away thousands to insure it. Where I live it would get stolen if I left it unattended for 1 hour.

I live in southern California.

Then move to a better neighborhood if it will get stolen in an hour.

Shitskin detected.

>9k for insurance in america

So much for the cheap insurance meme in america

Buy a different bike, you stupid cunt. They're all equally quick since they started voluntarily limiting them anyway. This one's 15 years old and basically looks the same as yours.

>looked up online quotes for shits and giggles
>487€ a year with everything besides vandalism
>27, bike license less than a year

Okay

>implying Europe is any better
>implying OP has any experience and isn't trying to buy a crotchrocket prone to losses
>implying asdsafeh

>Assmad

I've got theft and higher limits

Bare minimum was 90. Git gud scrub

>Shadow 600 cruiser
>25 y/o female rider
>$38 a year for minimum coverage
>$360 for complete collision/collateral/theft/etc
lol crotch rockets

Well that's why insurance is so high

This is my insurance quote for a Ducati 959 Panigale.

Teilkasko means partial comprehensive and includes mandatory liability, weather damage, fire damage, flood damage, animal collisions, vandalism and theft. Basically everything apart from damage by my own fault. It's currently selected without equity contribution but I can raise it in steps to up to $530 to bring the claim down to as low as $475.83.

I also selected additional coverage for towing and for legal support and compensation by German law in case of incidents in foreign countries.

This

One company quoted me 250/month for full coverage on an fz09, another 45/month, same full coverage. Join a local riders facebook group and ask what they use.

How much do you people think bare minimum insurance on a Suzuki VS800 Intruder would be for an eighteen year old male with three speeding tickets?

I paid like a grand a year for 3 bikes and all had real coverage.
Duc 1198SP, Ktm 690 Duke, and an Aprilia RS125.

Now, when I totalled the duc in 2015, they did only give me like 15K for it...
Rider insurance btw.

Roughly 'stop driving like a retard before you buy a sportbike' dollars.

Arizona is a garbage retarded state where the education and infrastructure are pathetic. If the retarded fucking drivers don't kill you (cyclists and motorcyclists included) the absolutely terrible roads probably will. 2 wheeled transportation is a huge reliability in Arizona

Asshole kids that buy a 1k cuz
>hurrrrr don't get a slow bike to start!!!!
Have RUINED the insurance. I live in a cheap state, with a locking gate, and low crime area.
>31 this year
>CBR1000rr
>7th bike I've owned (including other sport bikes)
>Get insurance quotes
>they range from 195$/month to $900 month
>cheapest was $195
>no accidents
>last ticket was when I was 16

Bike insurance is fucked. The insurance is more than a bike payment. Stick with cruisers and 600cc or less.

>inb4 some faggot with bare bones, no coverage insurance on a salvage bike says he got it for $20/month

It's a cruiser, dingus.

>fz6
Well duhhhhh
The rates fucking skyrocket at 1000cc on sport bikes.

By the way jährlich means annual in case you were stupid enough to think that it's $773 monthly.

Not him, but I live in a nice neighborhood with doctors and shit as neighbors. The shitskins come here to steal stuff. Why would they steal from other poor people. Why do you think so many places are getting gated communities with guards. Niggers and spics have ruined everything.

Jesus. I paid 80 a year for full coverage on my 1100cc cruisers. And that was when i was 20

$30-$70 month depending on where you live I would guess. Also depends on what year.

Georgia, 1996.

>that price suggests they are guaranteeing I'm dead within 18 months.

That is just the invisible hand of the market giving you the finger. Per vehicle mile traveled, motorcyclists' risk of a fatal crash is 35 times greater than a passenger car.

>fuck you I got mine
>bwwwaaaah poor people ruin everything

I don't even understand what you are saying. Are you saying that because I make decent money and worked my ass off to start my own business.... I should literally hand poor people money or accept that they steal my stuff to make it more "fair"?

>I did up an insurance quote for pic related in Arizona.
Arizona is the land of mexicans with the ability to tow off that bike. The reason why it changed from $300 to be $9000 per year is that the bike is guaranteed to be stolen through insurance fraud. That's how mexicans get two bikes for the price of one. The original bike is sold in mexico.

That's the problem with ethics in the area you live in. Too many of the immigrants there practice the "two for the price of one" deal with the insurance company.

If that's in USA I simply don't believe you are quoting like-for-like coverage. Prove me wrong and it'll be doing me a favor.

Sorry bro, I live in Scottsdale. I don't know what you mean about retarded education and infrastructure. I did fine on my last bike for all of 2016 before selling it.

Finally, someone not LARPing

This is true. I live in a gated community. Undesirables jump the fence, grab what they can before triggering an alarm then disappear into the night.

It's a very visible hand. They're suggesting that it'll take me less than 2 years to cause more damage than the bike is worth. That's a sad reflection upon mature riders as per Know when you're being trolled

I'm 3d chess trolling.

>get the troll to continue to defend his troll
>he gets mad
>suddenly he's actually defending himself and not trolling
It works VERY well on Veeky Forums

For a while, Phoenix was the highest for motorcyle thefts in the country. I went to college there, not sure if that's still the case.

>I live in a gated community. Undesirables jump the fence, grab what they can before triggering an alarm then disappear into the night.
My gated HOA community did something different. It is legal and survives racism challenge lawsuits. We planted blackberry thorn vines all around the edges of the community. Billions of thorns from 10 foot tall intertwining strong canes cannot be thwarted. One time, a car going 30 MPH crashed into the thorns and only penetrated about 10 feet before it was stopped. You see, all the canes and thorns lock the vines together into a super stout net that is anchored to the ground as well as getting sideways support from other canes far away due to interlocking thorns.

No one can jump those thorns. Our entrance gate can be an entry point, so we invested land to make the road from the street to the gate wind around a long distance. That road it also surrounded by blackberry vines so it cannot be jumped. Thus, anyone on foot has a 3/4 mile walk from the public street just to the entrance gate.

Have your community consider planting something thorny to guard the fence from jumpers. Too bad poison ivy has detriments as a guard plant since we could be sued for deliberate trapping under the anti-discrimination hate crime laws.

Yea thats usa. I'm also 40 with a clean record in a very low ins. suburb.

Just check and see if Rider offers insurance in your state. I'm terrible at recordkeeping but I'll see if my most recent bill is anywhere on my table when I get home.

Amazing, too bad those wont do well in the Phoenix area.

Crotch rocket insurance is crazy high here, meanwhile cruiser insurance isnt shit.

>Americans have to hide behind endless roads and thirty feet of thorns
Nice society you've got there, faggots.

Enjoy your cultural enrichment. The only thing that's worse than poor people is minorities.

>Amazing, too bad those wont do well in the Phoenix area.
Acacia isn't good for hedges, but bougainvillea can be easily trained to form a stiff thorny tall hedge resistant to force. It grows fast in arizona summer and eventually its newer branches have thorns.

en.wikipedia.org/wiki/Bougainvillea

Now, this is where state laws vary. In my state, if you have a thorny plant that is wholly on private property and the area is marked no trespassing, then you are not easily sued if someone gets injured by your thorn hedge. This is true in my HOA because we homeowners completely own the sidewalks AND street. Nothing is public access. We have successfully withstood lawsuit from trespassers injured.

The other side of the coin is that almost all of the thorn plants are on completely public property and appear "wild". It's just that we "encouraged" it to grow with anonymous water and fertilizer. It now maintains itself without any help since it has roots to the water table. So we are not responsible for injuries from the blackberry thorns.

Ignoring thieves and looking at innocent people, it is something to be concerned about. Imagine if Taylor Swift was riding a bicycle in your neighborhood. She then rode too close to them and got her clothing snagged by one strong vine. It pulls her off the bike and momentum causes her to be pulled into the hedge. Her very expensive multimillion dollar face now has a scratch on it. Who will pay for it? That's why you have to understand your laws before you prevent illegal immigrants from jumping.

Blackberry has a variety of thorns with some purely vertical and some angular like shark fins and some even more hooked. If a vine snags a child's jacket walking by, momentum has the human walking forward as the vine stretches out from being pulled. At some point the cane stops and the human gets yanked backwards. There is a significant chance of getting tangled and injured.

>We have successfully withstood lawsuit from trespassers injured.
It depresses me to know that you live behind thorn bushes that people attempt to climb in order to steal from you and/or bring you harm, yet when they fail, they sue you due to injury sustained from thorns.

Firethorn.
Not sure if it has a "real" name, but thats what they were called. Navy planted them all along the fence bordering their property and the development I grew up in. Evil, long thorns.

>they sue you due to injury sustained from thorns.
At least we don't worry about car theft or car prowling. And no one has their motorcycle stolen here.

The criminal that did try failed to succeed in sueing the HOA. The thorns are all on public property and grow WILD. That is a strategic success on our part. They grow on the OTHER SIDE of the fence homeowners' fences to their own private properties for the houses ringing the edge of our community borders.

It was startling to hear that someone tried to sue for racism after getting injured after getting scared off from a failed attempted burglary. They panicked and hopped over the fence and landed in the thorns. The homeowners had trimmed the tops of the canes to not peek over the fence so they were not immediately visible.

Why do criminals sue for racial discrimination after botched burglaries? None of us at the monthly HOA meetings had a clue. The one idea that made the most sense was that they look at every problem or setback in their lives as being the result of racism.

So, you might protect your borders by anonymously planting wild type blackberry canes on the public property. As long as your planting is not detected as coming from you, there is no proof. Thus the criminals have no one to successfully sue.

>Nice society you've got there
America is filled with minorities that have learned to twist anti-discrimination laws into unintended consequences. Thus, they sometimes escape criminal charges by using anti-discrmination laws.

Like many HOA that successfully repel car and motorcycle robbing minority thieves, they seem to talk to each other. They have mostly given up trying our community as there is a good chance the police coming up the long road will trap them before they can escape.

>you live behind thorn bushes
Their intimidation factor stops most of the would-be thieves from even trying. They go to YOUR neighborhood and prowl your car instead.

london

>Navy planted them all along the fence bordering their property and the development I grew up in. Evil, long thorns.

en.wikipedia.org/wiki/Firethorn

The berries from them can make birds drunk.

Yup tons of those here, theyre stunning in bloom. Also oleanders make good hedgerows.a

ITT: braindead morons that actually buy a bike valuable enough to spend money on comprehensive/collision or socialist yurocucks where the government extracts more money out of you than Americans so you can pay for each others healthcare and other useless shit

I pay $600/year for 3 bikes. An 05 ninja 250, 03 gsxr 1000, 02 gsxr 600. I have a DUI on my record too. I get the bare minimum liability and have absolutely zero collision/comprehensive. And I wouldn't have it any other way

>I'm poor and make bad decisions
redundant

>(Stolen? Too bad! Crash? Too bad!)

...so? I never got that covered on any bike or car i ever owned.

Just dont crash and lock it up properly.

You dipshits should try out Ontario insurance.

$2600/year for a new rider on a KLX250sf, comprehensive only, no collision.

Now I'm down to $700/year for a 300 2-stroke that I have street plated 6 years later.

Pretty sure any bike like a Versys or SV650 will still cost me about $2500/year.

Not OP, I have a 959 and that shit is
>FUN
as hell.

But I pay 2k+ insurance for comp/collision/uninsured/250/500 limits.

...

also
>Financing a TOY

>that price suggests they are guaranteeing I'm dead
It's the theft or insurance fraud (fake theft) rate that causes high rates for those bikes.

Ride a 600cc, ya muppet.

tfw no insurance in my country
well, mandatory one

>...so? I never got that covered on any bike or car i ever owned
Profound. I like the way you've applied your current life experience and choice to not protect yourself from catastrophe in a way that suggests everyone who purchases collision and comprehensive insurance is a dickwad.

Who through?

Yeah I might just do that.

Foremost Insurance (they cover trackdays).

Ha, poorfag. I only did my full license 18 months ago and fully comprehensive insurance costs me £100 a year on my 1000cc v-twin

Nice tripledubs

Except he is making a very good decision to practice retention and pay for his own losses since they will be only 3k at time of crash which will happen once every 5 years max, most probably not even. He saves 3k a year so he makes up the price of the bike in a year and saves on collision the next 4 years.

I spammed about 15 different motorcycles to compare makes/models

Nearly fell off my chair when I saw the KTM SuperDuke 1290 was $1,000 per year to insure fully comprehensive collision etc.

That bike is a fucking weapon. Insurance companies must just look at bikes and if it has fairings and looks fast, multiply quote by 5

ZX14, ZX10, GSXR1000, 959, 1299, CBR1000RR were all about the same at around $3,000-4,000

600's were all about the same at around $2,000

Ninja1000 was a bit more than 600's at about $2,500

Z1000 and Z800 were cheaper than 600's at about $1,500

CBR300R (lol) was $300 for the year

Wait so let me get this straight. you planting some nice blackberry vines is racist. That could never hold up in court could it?

As in they will have to prove you did that for protection against potential burglars. Going to court for those damages under the banner of racism. Well lets say they actually manage to successfully prove you did it for burglar protection instead of you enjoying nice bitesized bits of vitamines.
EVEN IF they can prove it, if they say its racist and the court would rule in their favour, that would imply that the court believes only minorities would break into someones home to steal their motorcycle. Judges arent idiots and something like this would be a PR nightmare.
So they probably rule that the niggers are full of shit.