Quote:
Originally Posted by ky
For those of you that started off on a 650cc bike such as a Ninja 650R after getting your license, how much did insurance cost?
Thanks
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your insurance rates will vary greatly depending on your coverage. i only have liability on my bike with no theft or collision and it puts me at around $1000 a year with a 35% discount. the reason i didn't get theft or collision was because my insurance cost would have more than doubled.
imo, it's really useless to get theft/collision unless the bike is worth a lot of money. the amount of money you'd be spending in a year on theft/collision ($1200 in my case) would be a huge waste considering my bike is only worth about $6500 now. I park my bike in the garage every night, and i rarely leave it anywhere unattended for long periods of time. and if i was ever at fault in an accident, the other party would be covered by liability and i'd just buy a new bike or fix it myself. i see it as the most cost effective way to go. i'd think twice about it if i had a ducati 1198r or something though lol.