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)

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.

Homeslice · 06-01-2012, 05:35 PM

Except that my Excel macro (not "program"

) would be smart enough to realize that there are always exceptions to the rule, and wouldn't trip out over them.

pauldun170 · 06-01-2012, 05:55 PM

Quote:

Originally Posted by shmike

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.

derf · 06-01-2012, 06:43 PM

Woooooowwwwwwww. I pay $175 a year for both bikes

disclaimer: I have basic coverage. I figure the amount I saved by only having basic coverage would have already been more than what I paid for the CBR, and why would I bother insuring a klr more than just the basic insurance?

Porkchop · 06-01-2012, 07:16 PM

Yea, apparently I need to be 1 yr older, married with children, and have my speeding violation fall off my record. And then it would be acceptable to pay a sane rate....

What a scam. But I go back to Kawi being at fault, having a VIN number that starts with ZX, and letting a street standard fall into the superbike category. Hell, I can hop on a Z1000 for a reasonable price, or a vfr1200 for about $95 a month.

And derf, this is the bare minimum BASIC collision/comp package. Basically the 25/50 with no uninsured or anything extra. 10-12k? Fucking absurd. Sorry, i'll be getting a differnt bike until im older.

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, 06:43 PM	#9
derf token jewboy Join Date: Nov 2008 Moto: CBR 900, KLR ugly ass duckling, Gas Man Posts: 10,799	Woooooowwwwwwww. I pay $175 a year for both bikes disclaimer: I have basic coverage. I figure the amount I saved by only having basic coverage would have already been more than what I paid for the CBR, and why would I bother insuring a klr more than just the basic insurance? __________________

06-01-2012, 07:16 PM	#10
Porkchop 125GP Champion Join Date: Aug 2008 Location: Worthington, OH Moto: Empty Garage Posts: 3,418	Yea, apparently I need to be 1 yr older, married with children, and have my speeding violation fall off my record. And then it would be acceptable to pay a sane rate.... What a scam. But I go back to Kawi being at fault, having a VIN number that starts with ZX, and letting a street standard fall into the superbike category. Hell, I can hop on a Z1000 for a reasonable price, or a vfr1200 for about $95 a month. And derf, this is the bare minimum BASIC collision/comp package. Basically the 25/50 with no uninsured or anything extra. 10-12k? Fucking absurd. Sorry, i'll be getting a differnt bike until im older. __________________ *Coming soon? 2010 Ducati Monster 696 - Sold 1984 Honda VF500F - Sold 1999 Yamaha R6 - Sold

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?

06-01-2012, 05:35 PM	#7
Homeslice Elitist Join Date: Nov 2008 Location: SF Bay Area Moto: Gix 750 Posts: 11,351	Except that my Excel macro (not "program" ) would be smart enough to realize that there are always exceptions to the rule, and wouldn't trip out over them.