Forum Index  >  Insurance  >  What do you guys pay yearly for insurance on your 250? How much do you pay annualy for insurance for your Ninja 250? $0  0%  [ 0 ] $0-$100  51%  [ 15 ] $100-$200  17%  [ 5 ] $200-$300  17%  [ 5 ] $300-$400  3%  [ 1 ] $400-$500  0%  [ 0 ] $500-$600  3%  [ 1 ] $600-$700  0%  [ 0 ] $700-$800  0%  [ 0 ] $800-$900  0%  [ 0 ] $900-$1,000  3%  [ 1 ] $1,000-$1,100  0%  [ 0 ] $1,100-$1,200  0%  [ 0 ] $1,200-$1,300  0%  [ 0 ] $1,300-$1,400  0%  [ 0 ] $1,400-$1,500  0%  [ 0 ] Cowboy Neal doesn't need no stinkin' insurance  3%  [ 1 ] Total Votes : 29

aristurtle (Lurker)

Sun Mar 06, 2011 10:04 pm

$142, liability only.

I pay $142/yr through Progressive (2002 EX250), which I think is less than my car (a hoopty-ass Honda Civic that's rusting out from under me) costs through Geico. My record is spotless (apart from some parking tickets). The $142 is liability coverage and uninsured motorist coverage (uninsured coverage is required in my state).

And I was 22 when I bought the policy.

That open container mark on your record is what's killing you. Their mindset (I say "mindset" but I really mean "carefully collected data correlating accident likelihood with driving violation record") is that if you've been caught with an open container then you probably drive drunk on occasion and just haven't been caught yet. Maybe you don't, and the "open container" was a bottle from your liquor cabinet that you were taking to a friend's party. They don't care; the chart says "people with offense x are statistically y% more likely to get into an accident and cost us money" and adjust your rate accordingly.

I think the mark on your record should go away after a few years, but this varies by state and by insurance company.

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• What do you guys pay yearly for insurance on your 250? — Bo, Sun Mar 06, 2011 1:48 am

  • You really can't compare.... — PriceR, Tue Mar 08, 2011 3:58 pm

    • I have a question — FrugalNinja250, Tue Mar 08, 2011 5:18 pm

      • Another Option — PriceR, Wed Mar 09, 2011 1:18 pm

      • Answer — PriceR, Wed Mar 09, 2011 12:48 pm

      • That's where a medical policy of $5000 or so would kick in and cover those c — M, Tue Mar 08, 2011 10:22 pm

  • Being middle-aged and in a low-claim rural county... — M, Sun Mar 06, 2011 10:17 pm

    • I would double check that.... — PriceR, Tue Mar 08, 2011 3:24 pm

      • You are correct that it would be a claim on my insurance. — M, Tue Mar 08, 2011 10:21 pm

  • $142, liability only. — aristurtle, Sun Mar 06, 2011 10:04 pm

  • Re: My fiance — gevans, Sun Mar 06, 2011 7:43 pm

  • My finace — gevans, Sun Mar 06, 2011 7:41 pm

  • $85 — BobA, Sun Mar 06, 2011 3:19 pm

    • Glad to be old, when it comes to insurance. — utahrider, Sun Mar 06, 2011 4:08 pm

      • Fees — BobA, Sun Mar 06, 2011 7:19 pm

        • Fees! — utahrider, Sun Mar 06, 2011 7:51 pm

          • You win (or lose...). I surrender — BobA, Sun Mar 06, 2011 8:24 pm

            • Utah Car Fees — utahrider, Sun Mar 06, 2011 9:36 pm

  • Shop Around — Slybones, Sun Mar 06, 2011 2:08 pm

    • Dang — Slybones, Sun Mar 06, 2011 8:33 pm

      • You should buy a couple more bikes (n/t) — Bokonon, Sun Mar 06, 2011 11:20 pm

        • Gotta work on garage space first. (n/t) — Slybones, Mon Mar 07, 2011 12:12 am

  • Drop collision if you have it — GregZ, Sun Mar 06, 2011 1:47 pm

  • $278/year as an under 21 — Mumps , Sun Mar 06, 2011 4:36 am