Heb121 (guest) View all posts in this topic  
Mon Mar 10, 2003 6:03 pm
Re: Why would you say "Ninja" when you go for insurance?        

I argued that point. I never said the words "sport bike" until they brought it up. I referred to the bike as an EX250. When my agent finally said "The rates won't be too bad as along as it's not on of those Ninjas or sport bikes..." I said, that actually it was a Ninja but it didn't quite qualify as a "sport bike" as far as most people were concerned because it is only 250cc's and it's more of a standard seating position. She said "Oh." After she looked it up she said I was right, that the 250 was excluded from the "sport bike" category because of its size. I got a rate of $187 a year for full coverage. If you argue the point(politely) your agent may be willing to look beyond the surface and see that the 250 is a far cry from most of the high powered sport bikes that deserve higher rates. I guess it depends on if your agent only represents one company or many. My agent shops for rates with companies all over the U.S. and gets me and my wife the best rates possible. Incidentally, our lowest rates came from companies other than Progressive and Geico. From what I've heard both companies have their strong points, but make sure you shop around as much as possible.
Tony

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