Always insure a bike for at least theft, especially if you're not keeping it indoors or are parking around the city a lot. they're easy to steal and bike thieves are common. I strongly urge this to everyone who wants a bike. Good luck, man.
Except the insuring for theft often costs between 10-20% or more of what the bike cost, specially if they bundle it with comprehensive. At the price you're basically paying for a comparable bike every 4 years (And if I expect to get robbed more than every 4 years, insurance is the least of my concerns). On more exclusive bikes maybe, but on a Ninja 300 I'm not convinced. On the other hand, you're pretty much making a bet. I thought I threw away my money betting for Trump (I also betted for Hillary, but much less haha). Listening to CNN I might have shredded that money, but it actually paid off and paid for a new leather motorcycle jacket
In other words, sometimes you win, sometimes you lose. But if you win that doesn't make the bet smart.
Yeah you better believe I'm going to get GPS, lock, insurance, the works.
I've done a lot of research, and the best GPS alarm for the money
is the tk303b (about 30$), costing 5$/month for service. It's pretty cool to have, it's the most useful alarm I've ever owned. I've installed two of them and I'm satisfied with them. And it does alot more than the 900$ alarm that the dealer offered. And it's pretty funny to get home and see a text message from my motorcycle bothering me about going faster than 100mph during the ride haha. I've tried two way alarms and those really suck.
I even installed a fake alarm under the seat, and the real, GPS alarm under the tank, as well as secured the tank with I-Torx security screws. If you disconnect the fake alarm, the real alarm works as usual, but the siren gets deactivated (I wired it through the fake alarm) giving the thief no reason to think that alarm isn't real. The only issue is that you never know how much the police is going to want to help you when you show up saying your bike is stolen and you know where it is. I doubt they'll have the same urgency.
For locks, Kryptonite locks are the way to go. As well as locking it to the ground or a real fixed object. From your post I understand it wasn't locked to anything, only a disc lock was used which helps, but doesn't really prevent putting it on a van for a serious thief. That's still more than what most people do, anyway.
Everyone who buys a motorcycle while living in an apartment complex without a garage eventually gets their bike stolen. For some it's sooner, for some it's later..
Maybe, maybe not. That's too general of a statement to make any meaningful point. As if the exceptions weren't in the hundreds of thousands or more range.
Man... Spur of the moment purchase, no place to store it, didn't get insurance... you have to admit this is a string of bad decisions.
Hell no. I'd dare say the majority of motorcycle owners don't own a garage or have theft insurance. After all, compared to cars, we're the budget choice. Most don't have insurance at all in my state, where it's not obligatory. And I sure as hell don't have theft insurance. I'm talking about the average motorcycle owner here, the type of guy that doesn't care so much about his bike to be writing about it on a forum in their free time, like us. Some will, and some won't, but it's not a bad decision. It's just an unlucky one in this case. If someone told me that after having my bike stolen, I'd label them a dick for the rest of time. No offense there.
Anyway, after a situation like this there is no easy way to approach the situation again. I have a friend in a similar situation and they use a Kryptonite Evolution 4 Integrated Chain Lock
with a Kryptonite 330202 Black 16mm Above Ground Stronghold Anchor
. That along with a bike cover and a GPS Tracker + Alarm means that if that bike get's stolen, there was nothing that you could have done about it.