Insurance! WTF.

[Stryder917]

Hey guys, is there any reason that my insurance on a 93 kat 600 would be so high? It's 43 bucks a month..

I had a 2003 Ninja 636 from the time i just turned 18, until i turned twenty, then sold it, and it was only 31 a month... I don't understand.. same insurance co. haven't moved.. still have a clean driving record - (minus a ticket i got 4 years ago in the cage). I've had my Class M for almost 4 years.. I don't understand haha.

[dr.house0989]

im 17 on a 91 kat 600 and i pay 210 a year
oh and only had my m1 for almost a year

[diavolo]

Shop it out - even though I have Allstate for my homeowners, car, flood insurance, they wanted $2400/yr for the Kat. My broker fully understood - even when I asked him to tell the home office the Katana is a Sport TOURING bike - the response he got back was the Kat is classed as a sport bike - end of story. I went to Progressive and both the Kat and ZZR cost me $465/yr full coverage. You should be able to get much better rates if the insurer rates the bike as what it is - a heavy sport touring bike, and not a sport or super sport.

[Bungles750]

Progressive had the best rate for me hands down. Maybe a good way to go and really easy to get a quote.

[rockat]

Get Rider insurance and never look back

[Bungles750]

Ugh. Rider used to be the best but pricing them out was insane. Something like 450 for the year and I got Progressive for 180. Rider was my first thought but no way should you spend that much for insurance especially for a bike.

[skjeflo]

Hey guys, is there any reason that my insurance on a 93 kat 600 would be so high? It's 43 bucks a month..

Credit rating maybe?

Insurance companies assume if you have poor credit you are more likely to cause a loss. I'm sure they have a study somewhere to back it up.

[hinow41]

I pay around 39 a month for mine. 23 with one accident in a car. Also have had the policy for 3 years now.

[scottynoface]

230/yr on my 636 last year (didnt renew this year)

[Kreylyn]

Have your insurance agent double check the "type" and "rating" for the bike they input....

If they confused the bike with a gsx R... then it's put into the system as a sport or super sport, instead of a sport TOURING bike.

That will make a HUGE difference...

krey

[rockat]

Ugh. Rider used to be the best but pricing them out was insane. Something like 450 for the year and I got Progressive for 180. Rider was my first thought but no way should you spend that much for insurance especially for a bike.

Really??? Rider was significantly cheaper than every other quote that I received. I checked Progressive, Geico, Allstate and Esurance. I did more, but those are the ones that I remember. Very surprising.

[kevin2502000]

Have your insurance agent double check the "type" and "rating" for the bike they input....

If they confused the bike with a gsx R... then it's put into the system as a sport or super sport, instead of a sport TOURING bike.

That will make a HUGE difference...

krey

+1

[kayakkermit]

Stop whining. You should see what we have to pay in Canada. Licenced for 30 years, and I pay like $800 a year, and thats actually a good rate!

[woobie]

Stop whining. You should see what we have to pay in Canada. Licenced for 30 years, and I pay like $800 a year, and thats actually a good rate!

LOL, at his age in Ontario he'd be paying 3x that.

[Stryder917]

Thanks everyone for the suggestions, I'll definitely check into it!

and Krey, that's definitely a possibility, I'll for sure check it out, thanks ma.

Stop whining. You should see what we have to pay in Canada. Licenced for 30 years, and I pay like $800 a year, and thats actually a good rate!

hahaha, sorry man, that's rough! I was just whining because it was more than my 636 was.. which is halfass backwards :P