What Insurance coverage is not needed? - Kawasaki Ninja 300 Forum
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post #1 of 113 (permalink) Old 10-21-2014, 06:32 PM Thread Starter
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What Insurance coverage is not needed?

Hey, I am a new rider going to be getting a new 2014 or 2015 Ninja 300 ABS soon so I been getting quotes online to see which one to pick but question is what part of coverage not needed? I wanted to get full coverage but it seems like if I pick all of them but not maxed it goes up to $800ish a month for 12months.
For example I did GEICO quote, $104 a month/12months but no medical coverage for passenger, no comprehension, no collision coverage and no tow. If I add all those things with $500 deductible, it come out to about $700 a month.
I havent tried Progressive or State Farm.
Can I get some help or direction? I hope insurance not going to be this high for me.
I am 22yr old male, lives in CA, daily rider, Ninja 300. New rider.
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post #2 of 113 (permalink) Old 10-21-2014, 06:35 PM
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Get full coverage if you care about your investment aka the bike.
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post #3 of 113 (permalink) Old 10-21-2014, 06:43 PM Thread Starter
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Get full coverage if you care about your investment aka the bike.
I want to but not if I gotta pay $800 a month for it
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post #4 of 113 (permalink) Old 10-21-2014, 07:23 PM
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I live in CA too and i pay $200 a year through state farm with $200 deductible and comprehensive only because i park my bike outside.
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post #5 of 113 (permalink) Old 10-21-2014, 07:37 PM
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At $800/month, I would not get full coverage. Paying 7 months of insurance will get you a brand new bike. Why is your insurance so high?!? Tons of moving violations? Under 20 years old? New license? All of the above?
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post #6 of 113 (permalink) Old 10-21-2014, 07:47 PM
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Quote:
Originally Posted by antiant View Post
Get full coverage if you care about your investment aka the bike.
And the worst advice of the day goes to.....

Really, would you pay close to $10k for insurance a year for a bike that's worth $5k?

Or would you rather pay $1200/year and take the risk of having it stolen?

Heck, if he rides 6 months without it being stolen, and pays $800 a month for insurance, he already gave the insurance company $4800!!!

To be honest, I'll just ride a bicycle if those were my rates. How about you pick up a beat up early 2000s ninja 250 and ride that for a year and build "credit" with your insurance company. Then upgrade to a 300 the following year. $9600 for a year's insurance just blows my mind.

Last edited by cadd; 10-21-2014 at 07:55 PM.
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post #7 of 113 (permalink) Old 10-21-2014, 07:52 PM Thread Starter
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I live in CA too and i pay $200 a year through state farm with $200 deductible and comprehensive only because i park my bike outside.
How much do they cover for bodily injured and underinsured people? medical coverage or no? I might go with state farm but no quote ill call tomorrow
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post #8 of 113 (permalink) Old 10-21-2014, 07:55 PM Thread Starter
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At $800/month, I would not get full coverage. Paying 7 months of insurance will get you a brand new bike. Why is your insurance so high?!? Tons of moving violations? Under 20 years old? New license? All of the above?
New license and 22yr old lol. Progressive quoted $1,960 for 12months and full coverage. My last try is State Farm if its not half as low then I will agree with you and get a beat up bike lol
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post #9 of 113 (permalink) Old 10-21-2014, 07:59 PM
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I think you read into my comment a little too much. I also didn't elaborate. There is no such thing as "full coverage" in the insurance world. Get coverage as much as you can that is affordable and get different quotes from different companies. The OP is young and unfortunately has that against him/her, but there are reasonable insurance rates out there if you do your research. You also don't want so little insurance that what you pay in premium basically negates the coverage that you could have possibly banked yourself. Talk to different insurance agents and do some comparisons.

Last edited by antiant; 10-21-2014 at 08:04 PM.
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post #10 of 113 (permalink) Old 10-21-2014, 08:19 PM Thread Starter
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Quote:
Originally Posted by antiant View Post
I think you read into my comment a little too much. I also didn't elaborate. There is no such thing as "full coverage" in the insurance world. Get coverage as much as you can that is affordable and get different quotes from different companies. The OP is young and unfortunately has that against him/her, but there are reasonable insurance rates out there if you do your research. You also don't want so little insurance that what you pay in premium basically negates the coverage that you could have possibly banked yourself. Talk to different insurance agents and do some comparisons.
I knew what you meant and I am a guy fyi lol. But yea right now Progressive the lowest at $1,400-$1900. I will call State Farm tomorrow
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