Holy insurance hell batman

Porkchop · 06-01-2012, 03:07 PM

I was at my local dealer the other day, I had seen that suzuki was having 0 percent finance, and went to check out a few other bikes including the new ninja 650 and vfr1200. I went over to sit on a ninja 1000 and a salesperson asked if I was interested, I told her if the insurance wasn't categorized wrong as a zx-10 and a superbike, I might consider it. I told her I did a quick online quote with progressive, my last insurer for the 500, and it came back at a staggering $6700 a year. She asked me if I'd ever done a insurance search with a company before and offered to do one. I played along and gave my information, about to be 24, single, 1 speeding violation. Insurance just call me back today with a couple quotes, and they found a "favorable" quote with Dairyland at $3308 a year. Thats like $250, $100 more than the bike payment would be. She told me 3 other companies came back at $10k, $11k, and $12k a year! THATS THE FUCKING COST OF THE BIKE!

Shame on Kawasaki for allowing the bike to be categorized as a superbike, when its really a faired Z1000, which has insurance 1/3 of the cost. This is a known problem all over the interwebz and Kawi is screwing themselves out of bike sales. Why not just get the Zx-10 then???

Homeslice · 06-01-2012, 03:39 PM

LOL, an insurance company called Dairyland? Where do they come up with this shit?

Porkchop · 06-01-2012, 04:17 PM

Based in Nebraska or wisconsin or something like that. I've heard folks in the central states talk about them on forums before. They aren't advertised here in ohio....

CasterTroy · 06-01-2012, 04:36 PM

Once you each 25 it goes down quite a bit (or does here anyway)

Cutty72 · 06-03-2012, 01:10 AM

Quote:

Originally Posted by Homeslice

LOL, an insurance company called Dairyland? Where do they come up with this shit?

I have Diaryland. They are the best for this area, especially since I'm on a Buell. Apparently they had some agreement worked out with Erik.

When I was shopping for a bike, I got quotes on a GSXR 1k, a 'busa, and the 1125.

1k = ~ $3300/year full coverage
'busa = ~ $4500/year full coverage
1125 = ~ $600/year full coverage

Bought the 1125, ran the VIN, actual cost $485/year.
I insure the 1125 and SV w/full coverage and it costs me about $575/year with $500 deductables.

Homeslice · 06-04-2012, 10:29 AM

Quote:

Originally Posted by Cutty72

1k = ~ $3300/year full coverage
'busa = ~ $4500/year full coverage

Those prices, even in ND?
Were you under 25?

Cutty72 · 06-04-2012, 02:04 PM

Quote:

Originally Posted by Homeslice

Those prices, even in ND?
Were you under 25?

It's the Suzuki image/stigma.

I was 26, with a DUI only 4 years past, a "few" performance awards, and that pesky exhibition driving...

fasternyou929 · 06-04-2012, 04:39 PM

Quote:

Originally Posted by Cutty72

It's the Suzuki image/stigma.

I think it had more to do with this:

Quote:

Originally Posted by Cutty72

I was 26, with a DUI only 4 years past, a "few" performance awards, and that pesky exhibition driving...

Pretty respectable driving history there! How long does a DUI stay on your record up there? Still paying crazy high rates?

pauldun170 · 06-01-2012, 04:47 PM

Why don't you just get older and married?
That would bring your insurance down.

Homeslice has a spreadsheet somewhere with the rate tables per demographic.

shmike · 06-01-2012, 05:25 PM

Quote:

Originally Posted by pauldun170

Homeslice has a spreadsheet somewhere with the rate tables per demographic.

Only if driving the appropriate stereotypical vehicle.

Give him a 65 year old asian woman driving an Iroc Z and his Excel program will self-destruct.

06-01-2012, 03:07 PM	#1
Porkchop 125GP Champion Join Date: Aug 2008 Location: Worthington, OH Moto: Empty Garage Posts: 3,418	Holy insurance hell batman I was at my local dealer the other day, I had seen that suzuki was having 0 percent finance, and went to check out a few other bikes including the new ninja 650 and vfr1200. I went over to sit on a ninja 1000 and a salesperson asked if I was interested, I told her if the insurance wasn't categorized wrong as a zx-10 and a superbike, I might consider it. I told her I did a quick online quote with progressive, my last insurer for the 500, and it came back at a staggering $6700 a year. She asked me if I'd ever done a insurance search with a company before and offered to do one. I played along and gave my information, about to be 24, single, 1 speeding violation. Insurance just call me back today with a couple quotes, and they found a "favorable" quote with Dairyland at $3308 a year. Thats like $250, $100 more than the bike payment would be. She told me 3 other companies came back at $10k, $11k, and $12k a year! THATS THE FUCKING COST OF THE BIKE! Shame on Kawasaki for allowing the bike to be categorized as a superbike, when its really a faired Z1000, which has insurance 1/3 of the cost. This is a known problem all over the interwebz and Kawi is screwing themselves out of bike sales. Why not just get the Zx-10 then??? __________________ *Coming soon? 2010 Ducati Monster 696 - Sold 1984 Honda VF500F - Sold 1999 Yamaha R6 - Sold

06-01-2012, 04:17 PM	#3
Porkchop 125GP Champion Join Date: Aug 2008 Location: Worthington, OH Moto: Empty Garage Posts: 3,418	Based in Nebraska or wisconsin or something like that. I've heard folks in the central states talk about them on forums before. They aren't advertised here in ohio.... __________________ *Coming soon? 2010 Ducati Monster 696 - Sold 1984 Honda VF500F - Sold 1999 Yamaha R6 - Sold

06-01-2012, 04:36 PM	#4
CasterTroy ................ Join Date: Nov 2008 Location: NC Posts: 3,028	Once you each 25 it goes down quite a bit (or does here anyway) __________________ “Being tolerant does not mean that I share another one’s belief. But it does mean that I acknowledge another one’s right to believe, and obey, his own conscience.” Viktor Frankl

06-01-2012, 03:39 PM	#2
Homeslice Elitist Join Date: Nov 2008 Location: SF Bay Area Moto: Gix 750 Posts: 11,351	LOL, an insurance company called Dairyland? Where do they come up with this shit?