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Old 04-20-2015, 10:17 AM   #1
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I've been actively looking into moving up in cc's to a 600 class bike for a few months now, but insurance is a huge barrier. I'm 23 and male, and I pay around $50/mo for full coverage on my 2014 300. Full coverage on a 2014 ZX-6R is $800/mo. I've priced out naked bikes thinking they might be better but the best I could find was right around $350/mo for full coverage. I'm not really worried about carrying collision because I can accept the responsibility and pay out if something happens that is my fault but I'd be sick if someone stole the bike and that was that. I've checked with every major (and many minor) insurance companies already. Is this just par for the course based on my demographic?
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Old 04-20-2015, 10:27 AM   #2
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I don't understand what your saying, but yes yes it is
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When you park just put a work boot over the ignition they won't know what to do.



If it's got or tires , it's going to cost you
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Old 04-20-2015, 10:29 AM   #3
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I'm just pulling your chain bruh ... But yes it's expensive because my buddy said that's what they quoted him on his 13 r6 and he couldn't believe it either . He told them that's 4 times the monthly bike note
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When you park just put a work boot over the ignition they won't know what to do.



If it's got or tires , it's going to cost you
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Old 04-20-2015, 10:31 AM   #4
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Just trying to find something that is not a drag on my freeway commute. And whatever it is, I need comprehensive coverage. I don't need collision, because I can own up to my own mistakes, but I refuse to just be if someone steals the bike, backs over it in the parking lot, etc.

I guess I'm just confused because I pay less than $200 for my car which can do way, way more damage than a motorcycle. So why do they want me to pay 4x as much for something that costs 1/4 as much?

And yeah, it's crazy. I would pay more than the sticker price of the bike in one year just for insurance. Even older bikes that are <$5k blue book are still over $300/mo if they are more than 300cc.
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Old 04-20-2015, 10:33 AM   #5
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Because they see you as young and dumb oh and also wreckless and the rate of how likely you'll kill yourself on it all outweigh that you'll be a perfect law abiding citizen
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When you park just put a work boot over the ignition they won't know what to do.



If it's got or tires , it's going to cost you
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Old 04-20-2015, 10:35 AM   #6
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Full coverage on a 2014 ZX-6R is $800/mo.


I'm glad I'm over 40... I wouldn't be able to afford twenty-rates nowadays....
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Old 04-20-2015, 10:36 AM   #7
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At least that's how it was explained to me by my insurance guy when I was younger , I've had the same State Farm agent and he's always took good good care of me , give him a call and see what he quotes you. His name is jay fontenot

Tell him Ernesto Diaz referred you
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Quote:
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When you park just put a work boot over the ignition they won't know what to do.



If it's got or tires , it's going to cost you
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Old 04-20-2015, 11:01 AM   #8
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Old 04-20-2015, 11:02 AM   #9
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Quote:
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I guess I'm just confused because I pay less than $200 for my car which can do way, way more damage than a motorcycle. So why do they want me to pay 4x as much for something that costs 1/4 as much?
For one thing, PIP is a lot higher as you have no seat belts or airbags.
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Old 04-20-2015, 11:05 AM   #10
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For one thing, PIP is a lot higher as you have no seat belts or airbags.
That makes sense, but I'm not even pricing out with PIP.
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Old 04-20-2015, 11:07 AM   #11
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Quote:
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That makes sense, but I'm not even pricing or with PIP.
You have full coverage on your car? What's its value?
There's also higher risk in crashing a bike than a car so higher probability insurance will have to pay.
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Old 04-20-2015, 11:09 AM   #12
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You have full coverage on your car? What's its value?
Yeah, full coverage with 100/300 liability and uninsured motorist, $500 deductibles, etc. $198/mo. Car is probably valued around $35k, if I had to guess. Maybe a little lower.
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Old 04-20-2015, 11:09 AM   #13
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ed perez at state farm was by far the cheapest place I got a quote from.

55-60 a month 09 zx6r @ 28 years old
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Old 04-20-2015, 11:26 AM   #14
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I just got liability and keep the bike locked up in a garage at home but I understand that may not be an option for everyone.
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Old 04-20-2015, 11:38 AM   #15
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I just got liability and keep the bike locked up in a garage at home but I understand that may not be an option for everyone.
Bike is kept in a personal garage in an apartment in league city. If it was a house I wouldn't think twice, but I'm worried that someone could get into the garage here.
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Old 04-20-2015, 12:17 PM   #16
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its your age, I'm 23 also just bought a fz-07 and got the same numbers as you except I also quoted a 300cc and they told me over $300 per month. If you're willing to accept responsibility for damage that is your fault then why do you need comprehensive? uninsured/under insured motorists should cover you, if someone hits you they are liable to pay, if they don't have insurance then uninsured motorists covers you...am I right?
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Old 04-20-2015, 12:18 PM   #17
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When I had a bike that was worth some $$$. I carried liability and theft.
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Old 04-20-2015, 12:27 PM   #18
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At least you are smart and are looking at prices before you buy the bike.
I, on the other hand bought my second bike (09 zx6r) and then got insurance. I was 19 at the time, and the first quote i got was around 500 for full coverage. Finally got it to 364/month for full coverage and was paying that for a few months. Now i have everything except collision and that dropped it to about 250/month. After a few months of "good behavior" they dropped it to 220/month. Also a big factor is that im still under my moms plan and she has a "M" so she the primary rider. Lots of people tell me they are looking at getting a bike and they always lean towards the 600 but they never take into consideration the TCO( total cost of ownership). A 600 will cost more to maintain than the 300. I have a 300 and two tires shipped was only $220 vs my 600 im looking at 3-400 for a set and then they dont last as long. I'm not saying dont get a 600 but to just look at the TCO on everything. About 90% of my pay goes towards my bikes, and i do it because i love the Bike Life.

If you do get a 600 at the very least i would have theft.
I know someone who bough a brand new bike and only had liability and got his bike stolen. So now hes paying for something he does not have, so even if you garage it at night, if its going to be your daily i would have theft as well.

Personally to save some money you should consider a ninja 650 or sv650. It will have more passing power and the insurance wont be as high. They are also better on gas, for commuting.

The biggest thing i can recommend is to not buy a brand new bike, right now. The monthly payments are low on a new bike, but when insurances adds in the "new" factor it increase the monthly rate as well. So if your bent on getting 600 buy a slightly used one. Also in the event that you do buy from a dealer and finance through them you dont have to have full coverage if the total is under 10 thousand. That could differ if you go through a credit union, they might want you to protect the investment.

If you have anymore question for me,ask. Im in "the sinking boat" that you so badly want to be in.
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Old 04-20-2015, 12:28 PM   #19
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Quote:
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its your age, I'm 23 also just bought a fz-07 and got the same numbers as you except I also quoted a 300cc and they told me over $300 per month. If you're willing to accept responsibility for damage that is your fault then why do you need comprehensive? uninsured/under insured motorists should cover you, if someone hits you they are liable to pay, if they don't have insurance then uninsured motorists covers you...am I right?
I want theft insurance

Thanks for the info, Donte. I would like to own a bigger bike but I am avoiding stepping into the "sinking boat". I had no idea you didn't have to carry full coverage on a bike worth less than $10k. I got the super hots for getting on two wheels as soon as I graduated and got a decent job so I financed my 300. I wouldn't be financing a bigger bike. It's just a glorified toy anyway.
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Old 04-20-2015, 12:38 PM   #20
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damnnn 800 a month? I'm 26 and drive a 05 cbr600rr and pay $60 a month full coverage
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