Goldwingmann
Expert Class
Posts: 336
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posted February 28, 2012 02:54 PM
High Insurance Precludes Purchase of ZX14R!
Just got a written quote from Progressive insurance for full coverage for me per year......$2,435.00 and that is having my car and my C-14 insured with Progressive Insurance company....no accidents, every safety course, no tickets, no accidents!
This blows me away as I was ready to buy a new one later this week.......and it now puts it out of practical driving reach for a mature homeowner with outstanding credit and NO driving issues or claims!
This costing includes 25,000.00 in medical payments too, so maybe that is the big increase on this machine....
Interested in hearing other insurance quotes per year for members with full coverage on this bike too.....
Ninja
  
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Lucky14
Pro
Posts: 1439
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posted February 28, 2012 03:12 PM
quote:
Just got a written quote from Progressive insurance for full coverage for me per year......$2,435.00 and that is having my car and my C-14 insured with Progressive Insurance company....no accidents, every safety course, no tickets, no accidents!
This blows me away as I was ready to buy a new one later this week.......and it now puts it out of practical driving reach for a mature homeowner with outstanding credit and NO driving issues or claims!
This costing includes 25,000.00 in medical payments too, so maybe that is the big increase on this machine....
Interested in hearing other insurance quotes per year for members with full coverage on this bike too.....
Ninja
Progressive wanted $4200 to insure my '06 14 when they first came out.
Shop around. State Farm is generally the cheapest for full coverage. I have Geico at much less than your quote.
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You only need two tools: WD-40 and Duct Tape.
If it doesn't move and should, use the WD-40.
If it shouldn't move and does, use the duct tape.
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epd345
Pro
Posts: 1494
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posted February 28, 2012 03:19 PM
I have the same driving record you do, I have progressive and paid 605 last year for 250/500 limits with 5k medical payments and that was with an extra $5000 for custom accessories. Its dropped about 100 a year since I insured the bike 3.5 years ago. You should just buy mine and ride it down to Florida and save big!
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2012 ZX14, Ceramic Coated Brock's CT Meg, PCV, throttlemeister
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Goldwingmann
Expert Class
Posts: 336
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posted February 28, 2012 03:36 PM
Make me an offer....it it is mint loaded up low mileage.....bike week starts in11 days bring it down you can stay at my home..extra bedroom...no charge.....and enjoy our great weather here in Daytona Beach....!
Ride it down for me and will fly you back....
e mail me the info on your bike....goldwing.mann@yahoo.com
Ninja
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MJ
Zone Head
Posts: 560
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posted February 28, 2012 03:45 PM
Insurer's don't like to see hp increase on bikes, especially by a whole bunch at once. Thats one reason the bike makers try to just creep it up.....they know most folks finance and won't buy a bike if the insurance is through the roof. Makes it even more impressive that kawi said f you to everyone in charge and made a beast of a new 14 like they did!
Welcome back to the world of balls and super fast bikes kawi.....we missed you lol.
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KAWITOM
Expert Class
My 12R gone but not forgotten
Posts: 218
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posted February 28, 2012 04:14 PM
Goldwingmann I am suprised I am 44 good driving record run my insurance through Country Insurance I pay 570.00 a year with 500 deductable for my 2012 SE 14R and 400. a year for my Vulcan Mean Streak I would be running from Progressive as fast as I could that is ridiculous especially when FLO says they are the cheapest.
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2012 ZX-14R SE
2002 VULCAN MEAN STREAK (11.41 @ 114 best 1/4)
I BLEED GREEN
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Goldwingmann
Expert Class
Posts: 336
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posted February 28, 2012 04:22 PM
Well now if that is true maybe I need to start shopping around a bit.....I just switched from Safeco last week and dropped the rate on my c-14 cut the rate about 60.00 per month...so thought I was doing great.....when I asked about getting the Zx14R, I just got that quote this afternoon and even my agent said it was way too high!
NInja
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epd345
Pro
Posts: 1494
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posted February 28, 2012 04:24 PM
Wish I could but I have to work! Check the classifieds, its listed there. Its in great condition. Under 14k miles. Tons of custom parts.
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2012 ZX14, Ceramic Coated Brock's CT Meg, PCV, throttlemeister
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WARBIRD
Needs a job
Posts: 2739
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posted February 28, 2012 04:53 PM
State Farm for the win................you must have a car or truck insured with them to insure your bike, but the savings will be more than worth transfering a vehicle over. I know someone who bought a $200.00 non running car, put liability only on it ( through State Farm ) and saved $1200.00 a year on his 14 over Progessive.............check em out............ 
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I'd Rather Be Roadracing.
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WRECKSHOP
Expert Class
Posts: 359
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posted February 28, 2012 05:03 PM
Yeah State Farm or Geico
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smokinZX14
Needs a life
Posts: 10197
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posted February 28, 2012 05:36 PM
Move to FL , You don't need motorcycle Insurance here as long as you wear a helmet .. ..
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Smokin Performance Cycles..
Tampa Bay , FL .. Brocks Performance Dealer ..
Gen 2 ZX14R Best ET 8.43 , Best MPH 164.95
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davej
Expert Class
Posts: 451
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posted February 28, 2012 06:11 PM
State Farm is $60 a month full coverage on the 2012 R. AARP was was $6k a year. Quotes went from obscene to OK. Let your agent know that you are a responsible rider with a good record. Tend to think that the agents take advantage of performance machines and pocket the rest. You are Gold as far as insurance agents go. No activity, no problem.
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Triumph guy
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venomous_zx
Expert Class
2012 14r - low and long-
Posts: 321
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posted February 28, 2012 07:19 PM
 Edited By: venomous_zx on 29 Feb 2012 03:21
My full coverage a month is 350. Im 28 yrs old. Dam multiply times 12. Ouch. My record is clean.
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sensei
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zx12mark
Pro
Posts: 1654
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posted February 28, 2012 07:22 PM
state farm told me 393.00 a year full coverage for the 14r.i get my 2000 12r for 225.00 a year full coverage now.....take your home and car to them
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Quarter Pounder
Pro
with Cheese
Posts: 1069
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posted February 28, 2012 09:53 PM
state farm here also and pay 135.00 a month for 4 bikes and a car.
2008 ZX14
2002 ZRX1200
2001 SV650
1982 CX500
2007 Maxima
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SWB 2008 ZX-14
9.19 @ 151
5.98 @ 123
1.53 60'
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01smokes
Needs a job
Posts: 2243
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posted February 29, 2012 02:04 AM
i was paying 26 bucks a month full coverage, on my 2008 booza. driving record not so great no speeding or racing tickets but i did get a DUI 2 years back. 27 years old
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PayPal, vigilart22@yahoo.com
Email, artvgl@yahoo.com
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venomous_zx
Expert Class
2012 14r - low and long-
Posts: 321
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posted February 29, 2012 02:42 AM
Anyone notice the cc of the 12 14r is smaller than it is when ur vin is entered for insurance? Mine shows as 1350 or something close to this. Cant check my insurance now. Im at work at the moment. Just curious who else
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sensei
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Lsantana954
Expert Class
Posts: 356
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posted February 29, 2012 09:58 AM
i dont think the power increase has anything to do with it. I have Progressive and on my policy it still shows it as a 1352cc bike. I also just got a quote from state farm and theirs also shows it as a 1352cc bike.
By the way Progressive im paying $725 for the year with just comprehensive state farm just quoated me $317 for the same coverage, its time for a change lol, too bad they couldnt come close to progressive on the auto coverage.
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'12 Gully Blue ZX14
-PCV/Guhl ECU/Blue CT Meg/<0 Alyson Oil/+8 Evil Arm/+1 Rear Sprocket
'07 Acura TL-S
'87 Buick Grand National
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KAWITOM
Expert Class
My 12R gone but not forgotten
Posts: 218
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posted February 29, 2012 02:33 PM
Hey guys Progessive has to pay for FLO's salary those commercials aren't cheap LOL
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2012 ZX-14R SE
2002 VULCAN MEAN STREAK (11.41 @ 114 best 1/4)
I BLEED GREEN
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BrucerZX14
Expert Class
Posts: 373
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posted February 29, 2012 03:49 PM
quote:
Move to FL , You don't need motorcycle Insurance here as long as you wear a helmet .. ..
Maybe by Florida law but your finance company may think different.
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WRECKSHOP
Expert Class
Posts: 359
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posted February 29, 2012 07:18 PM
Yeah State Farm or Geico
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CraigChrist
Pro
BAWLS
Posts: 1043
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posted March 01, 2012 11:31 AM
I had full coverage on my 07 model and paid 27 dollars a month in california with state farm. Hrm.... lol
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60ft-------1.42
1/8th------5.97
mph-------119
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eklipse636
Needs a life
ZX-14
Posts: 6046
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posted March 01, 2012 12:25 PM
You don't have to have a vehicle insured with state farm to insure your bike. I have my bike alone with them and it's only $600 yr
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Best: 60ft 1.351 1/8 5.68 mph 123.98 1/4
8.89 mph 151.32
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shawnski
Pro
Posts: 1809
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posted March 01, 2012 12:46 PM
Edited By: shawnski on 1 Mar 2012 20:47
be aware of some insurance companies give you lower rates but their policy is in case you need parts to fix your car or motorcycle in case of accidents, they do not replace them with OEM parts and use after market...
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splat
Parking Attendant
Posts: 21
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posted March 01, 2012 02:50 PM
Edited By: splat on 1 Mar 2012 22:53
I just got quoted 848.00 for the 12R. From Allstate. I pay 497.00 for my Diavel. 46 yrs old. 800 plus credit, no tickets or accidents. Progressive wanted almost 1600.00 for my Ducati last year. Their rates in N.Y. seem to be getting out of hand.
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