posted September 18, 2009 11:35 AM
Edited By: Randi02 on 18 Sep 2009 20:02
ZX14 Insurance Question Hello,
I'm considering purchasing a second bike and I have a couple of questions. 1st off how is the ZX14 riding around the city? Is it a maneuverable bike or would I be better off on a ZX10R? Also can anyone tell me the reason why insurance is $100.00 cheaper per year (state farm) than a ZX10R, R1, CBR1000RR?
posted September 18, 2009 11:58 AM
The 14 is an awesome machine and the most comfortable bike that I've purchased so far. I don't know what your applying the word, "maneuverable" towards but I've dodged all of the obstacles in the rode so far. As far as insurance, I would consult with your agent to get a definite answer... If you want to ride 2 up, then no question, get the 14
posted September 18, 2009 12:00 PM
I was told that having the letter "R" on your bike makes the rate higher.
____________
2012 ZX14R SE, Streetmeg, PCV
posted September 18, 2009 12:03 PM
It all comes down to how many claims were on each bike as far as premiums are concerned.I was once thinking of buying a Bimota SB8 and the ins. was super cheap.The agent who knew bikes just laughed and said they don't know what it is because of no claims.
____________
I wondered why the baseball kept getting bigger. Then it hit me.
quote:I don't know what your applying the word, "maneuverable"
I was implying "maneuverable" as compaired to the shorter wheelbased and lighter ZX10R, CBR1000RR, and the R1 (my three other choices) in traffic. It's the bike I'm leanning towards but I really can't stand the 2009 paint schemes.
The exact price quote I got from my agent (state farm) is $274.00/year. It only 14 dollars more than my thruxton 900. The other litre bikes were all around $350-370..00/year. All pretty good rates for someone with more than their fairshare of speeding tickets
quote:I was told that having the letter "R" on your bike makes the rate higher.
Well then it's a good thing it's not called a ZX14"R"
posted September 18, 2009 12:36 PM
Of course its not going to manuever like a liter bike. The bike handles great and is very comfortable but they are completly different.
posted September 18, 2009 12:58 PM
I think the 14 is great around town, its not good for cutting around cars. Its more for prestige. You will have something nobody else has. It does demand respect. Be careful!
posted September 18, 2009 04:03 PM
who says its not good for cutting around cars??? Its actually BETTER for low speed stability than any of those top heavy, ass high head low liter bikes at under 25mph. But from 25mph to 125mph the liter bikes get the nod. haha Thats not to say the 14 is a unmaneuverable turd though: It gets around just fine, its lower seat and lower center of gravity make it a very stable around town bike. Just not quite as flickable as the liter bikes-- though it will outstop any other sportbike out there.
(if you doubt that statement and live in washington state, bring your short wheel base stoppy inducing supersport on over and I'll hand you your ass on my big ole long wheel base 14)
____________
'06 zx14
Muzzy M10/M14
PCIII w/ Muzzy map
Flies out K&N in!
bits n pieces...
posted September 18, 2009 04:34 PM
I think u'd like the 14 in town better than the 1000's because of it torque. You don't have to be revved up to 6 grand to have power. Put a pc and take the flies out and then you have some serious low end power. And like said above, its 100x more comfortable than the 1k's. I'd chose the 14 over any 1k beside in the twisties.
____________
Best: 60ft 1.351 1/8 5.68 mph 123.98 1/4
8.89 mph 151.32
quote:who says its not good for cutting around cars??? Its actually BETTER for low speed stability than any of those top heavy, ass high head low liter bikes at under 25mph. But from 25mph to 125mph the liter bikes get the nod. haha Thats not to say the 14 is a unmaneuverable turd though: It gets around just fine, its lower seat and lower center of gravity make it a very stable around town bike. Just not quite as flickable as the liter bikes-- though it will outstop any other sportbike out there.
+1
My liter bike friends always comment on how effortlessly I maneuver around pot holes, cars, and other obstacles in town for a "big bike".
____________ 2012 Blue on Black ZX14R with Go Faster Stuff...
2007 Blue ZX14 Gone...
Needs a life
2012 14r In Blue and no Mods!
Posts: 5428
posted September 18, 2009 08:10 PM
quote:
quote:I don't know what your applying the word, "maneuverable"
I was implying "maneuverable" as compaired to the shorter wheelbased and lighter ZX10R, CBR1000RR, and the R1 (my three other choices) in traffic. It's the bike I'm leanning towards but I really can't stand the 2009 paint schemes.
The exact price quote I got from my agent (state farm) is $274.00/year. It only 14 dollars more than my thruxton 900. The other litre bikes were all around $350-370..00/year. All pretty good rates for someone with more than their fairshare of speeding tickets
quote:I was told that having the letter "R" on your bike makes the rate higher.
Well then it's a good thing it's not called a ZX14"R"
.
You have a thruxton 900, so do I what year is yours? mine is an 08 it is a blast to ride mine is all stock right now except bar end mirrors and tank pads going to do exhaust and a few other mods over the winter. and yes my insurance is thru state farm as well and is just about 14 dollars more tehn my thruxton.
posted September 18, 2009 08:28 PM
It's an '08. It has a K&N, and Left CRG Bar end mirror. Other than that it's bone stock. It's a blast to ride but I'm looking for something with more power and w/ a "lighter" feel. But then again everytime I'm out on the thrux I get a ton of compliments on the bike. Only problem with it is in order to increase the performance of it I'm going to dump a ton of money into it. This is the main reason I'm looking for a different bike.
How is the feel of the clipons on the ZX vs the Thrux or any litre bike for that matter?
Needs a life
2012 14r In Blue and no Mods!
Posts: 5428
posted September 19, 2009 04:55 AM
Well the 14 is the perfect mate to the thruxton, but if you want a lighter feel you better go with a zx 10 or gsxr 1000 because the 14 won't feel lighter. to me the 14 is a little more comfortable then the thruxton but not a whole lot. your right when I'm on the triumph site i laugh when I see guys spending 3000 or 4000 to do a big bore kit on the thruxton with cams and head work and then they are happy with 75 to 80 hp and I think with that money I would have just bought a used 600, LOL the most I will do to mine is exhaust and jet kit and that's for looks and sound not power. your right you always have to stand and talk to someone about the thruxton everytime you ride it somewhere which is kinda of cool. so are you going to sell yours to get another bike or add a second bike, But like I said I can throw the thruxton around like it's a moped and you won't do that with the 14. my tires on the thruxton are scuffed edge to edge.
posted September 19, 2009 06:34 AM
You see that is the dilema. I love the thruxton but I'm looking for more performance. due to the fact that I'd have to pay insuance on two bikes I'm most likely going to have to get rid of the thrux if I decide to get another bike. Right now I'm waffling between this decision and after installing a set of roadriders (wow what a difference) the decision is even tougherand besides I do practically all the work on the bike myself.
Edge to edge eh? No chicken strips. Wow. The deepest I've gone on my bike is having the tips of my boots scrape the ground (I wonder how far of a lean that is). I wonder if I stuck my knee out I might have been dragging.
posted September 19, 2009 09:28 AM
no chicken stripes on my 14's tires either. Also, the 1098S, 999R, Aprillia Mille, and other 1000's behind me didnt find it so funny that a 300+ pound guy on a ZX14 who talks alot of shit could actually back it up-- they were told seconds before the video was shot to "pass me if you can" after we turn it up after the Red Barn at 1:10. Remember its just above freezing and on a damp road...
____________
'06 zx14
Muzzy M10/M14
PCIII w/ Muzzy map
Flies out K&N in!
bits n pieces...
posted September 19, 2009 01:15 PM
Bike sells itself: you just gotta know what its got, and what you are capable of. Good luck on your choice!
____________
'06 zx14
Muzzy M10/M14
PCIII w/ Muzzy map
Flies out K&N in!
bits n pieces...
Needs a life
2012 14r In Blue and no Mods!
Posts: 5428
posted September 19, 2009 02:21 PM
Yes the 14 handles well but you don't throw it from side to side like a thruxton or a 1000cc or 600cc bike. if he wants a lighter feel the 14 is not it period. the 14 is over 100 pounds more then the thruxton and it does not feel lighter. you need to get your tip toes back on the pegs I wear a size 14 and have no chicken strips on the thruxton and have not drug my toes. put it this way if i want to go hit what twisties I have by me or 150 miles away I will always take the thruxton just becaues it is more fun, if I want to hit the twistes as fast as a guy needs to on the street but need the rush of some stright line 150mph blast gettin there I ride the 14.
quote:no chicken stripes on my 14's tires either. Also, the 1098S, 999R, Aprillia Mille, and other 1000's behind me didnt find it so funny that a 300+ pound guy on a ZX14 who talks alot of shit could actually back it up-- they were told seconds before the video was shot to "pass me if you can" after we turn it up after the Red Barn at 1:10. Remember its just above freezing and on a damp road...
This is not a knock on what you said and your video is good.
But I guarantee you that there are plenty of riders on liter bikes that will
have zero issues to keep up with your pace.
A newer 1000 cc and a sub 125 lbs. rider and you stand very little chance
of hanging in for more than 3-4 turns IMHO.
Take your 14 to a track day and try to keep up with some of the instructors
on the 600 cc and 750 cc and come back and post your findings!
It will be a quick reality check for sure.
____________
universal@mind
posted September 19, 2009 03:34 PM
Well, if it was right above freezing and the roads were wet, I wouldn't be haulin ass around curves anyway. Call me what you want, but that's asking for a low side
____________
Best: 60ft 1.351 1/8 5.68 mph 123.98 1/4
8.89 mph 151.32
quote:Well, if it was right above freezing and the roads were wet, I wouldn't be haulin ass around curves anyway. Call me what you want, but that's asking for a low side
Low side if you're lucky.
This next story is when you're not all that lucky.
I low sided my 05 zx10 a few summers ago at Loudon NH
at a track day. Left hand corner and too much heat at entrance,
abrupt correction on my part and the front slid from underneath me.
The bike slid on the clutch side, reached the red and white curb and
shot almost 10 feet up in the air landing flat on the brake side in the
gravel. The frame was damaged way beyond repair, some bits and
pieces were still good to use.
I was probably going 45 mph at the most when I lost it and my one piece
suite left me without a single scratch or bruise.
I doubt that a crash on the street will be so innocent even at that same low speed.
What a thread jack. I'm sorry.
I vote for the zx10 if you want very nimble and very fast.
____________
universal@mind
Needs a life
2012 14r In Blue and no Mods!
Posts: 5428
posted September 19, 2009 07:49 PM
quote:
quote:Well, if it was right above freezing and the roads were wet, I wouldn't be haulin ass around curves anyway. Call me what you want, but that's asking for a low side
Low side if you're lucky.
This next story is when you're not all that lucky.
I low sided my 05 zx10 a few summers ago at Loudon NH
at a track day. Left hand corner and too much heat at entrance,
abrupt correction on my part and the front slid from underneath me.
The bike slid on the clutch side, reached the red and white curb and
shot almost 10 feet up in the air landing flat on the brake side in the
gravel. The frame was damaged way beyond repair, some bits and
pieces were still good to use.
I was probably going 45 mph at the most when I lost it and my one piece
suite left me without a single scratch or bruise.
I doubt that a crash on the street will be so innocent even at that same low speed.
What a thread jack. I'm sorry.
I vote for the zx10 if you want very nimble and very fast.
I don't think you thread jacked and also think your right on the money, I've held a amature road race license and have done a couple races and lots of track days and the 14 is no match for a good rider on a 600 to 1000cc bike on a tight track. not saying you can't enjoy a 14 on the track it's all at what pace your happy with. but with the same skilled rider on a 14 and a 600 to 1000cc bike and the 14 will get left behind. once i went to a track school and the instructor had his busa there because his track bike was broke and he could not even stay in front of my sv650 in the tight sections and I was fairly new to the road racing at that time and his busa had good suspension mods. trust me I have both in the garage right now and if he wants a bike that feels light then the Thruxton the 14 is not it IMO.
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posted September 18, 2009 11:35 AM
Edited By: 
