Total Motorcycle Community Forums

Yeah, insurance is where they get ya. Getting a new '05 gixxer was going to cost me $4500/yr or so (and I have a perfect driving record). Problem is I'm only 22...still in that "young" category.

I didn't know State Farm offered bike insurance, that's a good thing. I was considering switching to Progressive...guess I don't have to anymore.

And good choice with the EX500. The much milder powerband will not scare the crap out of you and give you a good chance to learn.

thx for all the replies guys....just got off the phone with progressive, statrefarm...etc and they were all pretty much the same. and then on the back of my dmv motorcycle handbook i saw ais....called them, they said they give you rates from 30 different motorcycle insurance companies!
i checked rates for three bikes: (the lowest rates..full coverage)

HONDA CBR600F4i...599cc = $6,500!
DUCATI 749 DARK...750cc = only $1,200! (to be my 2nd bike)
KAWASAKI NINJA EX500 = $1,400 ( )

i can afford the bike myself....insurance and bike(ninja) payments together are gonna be like $300/month max......my dads gonna be a problem now...he says you're gonna kill yourself....but i know i'm gonna get it anyways.

Dirtytoes wrote:thx for all the replies guys....just got off the phone with progressive, statrefarm...etc and they were all pretty much the same. and then on the back of my dmv motorcycle handbook i saw ais....called them, they said they give you rates from 30 different motorcycle insurance companies!
i checked rates for three bikes: (the lowest rates..full coverage)

HONDA CBR600F4i...599cc = $6,500!
DUCATI 749 DARK...750cc = only $1,200! (to be my 2nd bike)
KAWASAKI NINJA EX500 = $1,400 ( )

i can afford the bike myself....insurance and bike(ninja) payments together are gonna be like $300/month max......my dads gonna be a problem now...he says you're gonna kill yourself....but i know i'm gonna get it anyways.

Go take the MSF course. Read Proficient Motorcycling by David Hough. Get some decent gear and wear it. Then all you have to do is not ride like an idiot. Show your dad you can be safe and all will be forgotten soon enough.

cb360 wrote: Go take the MSF course. Read Proficient Motorcycling by David Hough. Get some decent gear and wear it. Then all you have to do is not ride like an idiot. .

the msf course i already took last weekend...3 days ago.....some of the people there crashed their bikes....we had helmets but not full faced ones.....one of them really messed up his face.....but like many others there, i felt really comfortable of the bike and had total control of the bike (it was a dirt bike....dual)

cb360 wrote: Show your dad you can be safe and all will be forgotten soon enough.

hopefully

Why buy new? By looking at used bikes, you save money up front. Focus on getting something that runs and fits you.

Master riding THAT, then 2 things will occur: Insurance will be slightly less with gained experience. And, you'll be a far sharper shopper in checking out your next bike.

"Dealing with someone else's problems" is less of a factor for the learner bike, since you go into the game knowing that the purchase is a short term step. Have a reputable shop give it a safety inspection (whether or not its required in your state) to make sure everything is in working order. Once you're done, you can pretty well count on selling this used bike for what you paid, meaning you'd only be out the gas and insurance (which will be low as well).

P

Lion_Lady wrote:Once you're done, you can pretty well count on selling this used bike for what you paid, meaning you'd only be out the gas and insurance (which will be low as well).
P

but over time, even if its in the same condition....i assume it will dop a couple of thousands. no>?