KZ2ZX
Pro
Nobody in Particular
Posts: 1166
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posted December 29, 2003 11:14 AM
Insurance for ZX-10R
Well, I just got off the phone with my insurance co.
Looks like a strict displacement plan for bikes categorized as sportbikes/standards.
I have $250k liabilities, $500 ded on my comprehensive, and $5k medical expenses for rider/passenger. Quotes are for 5000 mi/yr as pleasure vehicle.
6 mo quote for an '04 ZX-10R is approx $550.
6 mo quote for an '04 ZRX-1200R is approx $570.
6 mos quote for an '04 ZX-12R is approx $600.
For comparison, my '87 CBR1000F was $490/6mo.
Anyone think this is unreasonable for the ZX-10R? 
____________
ASMA 47
WERA 147
www.dhowellbooks.com
  
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johnnyboy
Expert Class
Posts: 315
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posted December 29, 2003 12:52 PM
Yeah, I do, but that is a relative assumtion. I don't know where you live, your age, driving record, past claims record or any of that stuff they (insurance community) find really important.
I have a clear record, 41 y.o.a., male, married, 28 years on bikes, have a safety course. I insure my bikes, cars and house with the same company. My 96 CBR900RR is less than $460 annually, 00ZX12R is $510 annually. I have yet to call in for a quote on the ZX10R, your post have sparked my interest though.
Thanks,
JB
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KZ2ZX
Pro
Nobody in Particular
Posts: 1166
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posted December 29, 2003 01:25 PM
Oh, I'm 37, married with children, have no speeding tickets, one claim in the last 20 years (on the wreckage of my last bike).
The $490/6 mo on the CBR was when I was 36, married with children, no tickets, no claims.
I live in Arizona - that tends to raise the insurance rates a tad. Also, note that my coverage is quite a bit more substantial than the minimums - that medical insurance is about $190 of the premium.
____________
ASMA 47
WERA 147
www.dhowellbooks.com
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1bad7
Expert Class
Posts: 388
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posted December 29, 2003 11:27 PM
I believe for AZ that's not too bad a quote, as soon as I dropped my truck off to have it stored with family my insurance went up by almost double what it was in FL.
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beansbaxter
Needs a life
Posts: 5911
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posted December 30, 2003 05:31 PM
At least you can get insurance...I am 25, nothing on my driving record, and I cant get insurance on my motorcycle, a ZX-12R. I have taken the Advanced Safety Course even, but still no luck. Maybe it's cause I am brown, but whatever it is, it makes me sad.
I am so scared if my 12 ever goes down I am plum out of luck.
But hey, still vote for me as moderator!
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beansbaxter
Needs a life
Posts: 5911
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posted December 30, 2003 05:55 PM
hey here is the link this topic on the zx-12 board side...maybe it helps...
http://www.bikeland.org/board/viewthread.php?FID=1&TID=2881
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frEEk
Administrator
ummm... yeah
Posts: 9660
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posted December 30, 2003 07:41 PM
u have nothing on ur driving record beans?!? man, that defintiely surprises me! i figured u'd be goading [sp] cops into high speed chases just for the hell of it on a weekly basis! 
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beansbaxter
Needs a life
Posts: 5911
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posted December 30, 2003 09:26 PM
 Edited By: beansbaxter on 30 Dec 2003 21:26
never got a ticket on a motorcycle that stuck i should say...
one ticket got dropped in court cause the cop never actually pulled me over and had me take my helmet off, so i lied and said it wasnt me riding the bike at the time, she couldnt prove it was me on the bike so the ticket dropped, that was in tacoma when i was stationed out there
if u remember my spill about getting a ticket in spokane for doing nothing, well that ticket was dropped cause the state patrol didnt file the ticket with the courts in the fourteen days alotted, so the prosecutor dropped the ticket at the court hearing...
and the one here in pullman, a cop gave me for no good reason, i pleaded a stipulated agreement, paid some fines, and didnt get a ticket for a year thereafter so the ticket never went on my record....
so beansbaxter has a perfectly clean driving record, another good reason to vote for me as moderator!
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beansbaxter
Needs a life
Posts: 5911
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posted December 30, 2003 09:28 PM
and that doesnt include all the times i have been pulled over and the officer of the law just didnt issue me a ticket, just gave me a warning....
there were lots of times that happened, many funny stories, but even one of me and about eight other bikes, i was clocked at 171 in a 65 and still walked away with nothing but a check for my endorsement on my license
ha ha
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frEEk
Administrator
ummm... yeah
Posts: 9660
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posted December 30, 2003 11:42 PM
so THAT'S where all my good luck went. YOU stole it ya bastid!
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johnnyboy
Expert Class
Posts: 315
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posted December 31, 2003 08:37 AM
Beans>
Where are you living now? My wife is from Spokane, brother-in-law lives in Medical Lake. I haven't been out there since my father-in-law passed. Looks to be a of of good riding out there, never had any of my bikes in that state before though. You ever make out to Leavenworth?
P.S. I'm brown too... You're killin' me man...
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johnnyboy
Expert Class
Posts: 315
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posted December 31, 2003 08:44 AM
Forgot to mention, I am with Nationwide, I live in Hampton, VA. Not sure if you have tried them yet.
Happy New Year People
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sweetrire10r
Parking Attendant
Posts: 21
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posted March 30, 2004 09:42 PM
well i pay 2602 a year for full coverage on my 10r and i'm 22 with 6 pints all speeding
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fish_antlers
Administrator
The Truth is Out There
Posts: 21894
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posted March 30, 2004 09:45 PM
$1300cdn til end of october with a 17year claim free discount (max allowable here) $2mil liabitlty and full blow the thing up and give me another one coverage.
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What business is it of yours where I'm from, Friendo?
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DB
Pro
Posts: 1932
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posted March 30, 2004 09:49 PM
$444 american dollars per year with state farm.
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Dan
04 ZX10r (Track only)
08 Concours14
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crazyman1
Expert Class
Posts: 140
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posted March 30, 2004 10:17 PM
400 a year with state farm.
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1bad7
Expert Class
Posts: 388
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posted March 31, 2004 02:27 AM
$651 a year with USAA in Sicily( higher than normal pricing, due to location).
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redelk
Moderator
Please... speak to the hand.
Posts: 3212
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posted March 31, 2004 05:44 AM
$512 a year with State Farm.
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There are only three sports: bullfighting, motor racing, and mountaineering; all the rest are merely games.
-Ernest Hemingway
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hammerli
Novice Class
Posts: 35
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posted March 31, 2004 06:57 AM
$540 a year with State Farm, and that is with $50 comp and $250 broad collision, and higher medicals. If I went with the $500/$500 that gets the lowest price, I would be around $400 even. The last time I paid for my 96 9R, it was $271 a year.
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Andy
Expert Class
Posts: 220
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posted March 31, 2004 07:56 AM
$912 a year with State Farm.
Does anyone know if rates drop when ya hit 30?
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D
Needs a job
Posts: 3365
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posted March 31, 2004 08:30 AM
I called to check - $408.00 for 6 months, a whoppin $8 more than my 01 12.
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salsa1
Needs a life
Posts: 5971
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posted March 31, 2004 11:24 AM
I pay $215.00 year for 2004 ZX-10R state farm they do not care what type of bike as they base premiums on cc's not performance categories which crucify sport bikes.
I live with 4-6 months of winter and is part of reason for lower rate from state farm in my State. Have heard of other insurance company that also goes by cc's but have not called yet.
Glad I found out about state farm cause I have been quoted $1,800.00 per year from other companies....
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Salsa1
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12RPilot
Pro
Posts: 1094
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posted March 31, 2004 11:37 AM
Male, 43, married, homeowner, one moving violation, Michigan, $620/year, full coverage, Progressive Insurance.
 
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Michael Lee
Zone Head
Purchase Ivy
Posts: 729
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posted April 05, 2004 04:12 PM
Erie Insurance
They give a first accident and first ticket wavier.
$830.00 per year. (38 married with no tickets or accidents)
They have my house, cars, and life policies.
Thought it was a little high so I will price around more when renewal comes around. Good Company.
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marsh14
Novice Class
Posts: 76
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posted April 05, 2004 05:19 PM
$560 a year, full coverage, 30yo, ny, state farm
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When a man steals your wife, there is no better revenge than to let him keep her
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