Insurance KLR vs Versys - Kawasaki Versys Forum
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post #1 of 35 (permalink) Old 11-09-2010, 12:33 PM Thread Starter
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Insurance KLR vs Versys

All I have to say is wow on price of my bike insurance. I added my 09 Versys to my policy with the same full coverage as the KLR and it's double for the Versys. The Versys cost twice as much as the KLR. I have a good driving record, no tickets in the past 5 years, no claims in over 5 years, took the safety course and all. I think it's time to do some insurance shopping.

Mark

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post #2 of 35 (permalink) Old 11-09-2010, 01:12 PM
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Check other companies, u will find a big difference between them. Mine is $10.00 a month a Nationwide. Would have been $60.00 a month at others like Progressive.
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post #3 of 35 (permalink) Old 11-09-2010, 04:08 PM
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Although I haven't picked up my Versys yet (this weekend!!) I just finished doing a bunch of shopping around for insurance. Massachusetts is a bit different than other states, as only a few national companies offer motorcycle insurance. However, Progressive was roughly $1700/year while Liberty Mutual was only $450/year. If you shop around, you can definitely find a good deal!

I've heard that comprehensive coverage is what can really vary from company to company depending on how many similar bikes are insured in the area and how many have been stolen. These figures are specific to the company so (in my case) Progressive may have had a bunch of Versys' stolen in the area while Liberty Mutual didn't. In any case, definitely look for a better deal.
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post #4 of 35 (permalink) Old 11-09-2010, 05:39 PM
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The variables are infinite. No two situations are alike.

"I don't want a pickle, I just want to ride my Motor-sickle"
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post #5 of 35 (permalink) Old 11-09-2010, 07:04 PM
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I pay $99 a year for Liability only for 09 Versys, 02 DR650, and when I had my 04 KTM 450 EXc Plated was still $99. $99 is the minimum they charge, So even if I had 1 bike it would still be $99. I use Geico and so far they have not gone up or changed anything. Cant say that for Foremost, every time it was up for renewal it was up 20 plus percent. And for no reason, I have a perfect driving record and have for many years.

Definitely shop around that industry is very competitive.

Todd
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post #6 of 35 (permalink) Old 11-09-2010, 08:00 PM
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I own a 07KLR and a 09Versys. I pay $205.00 per year for the Versys, and this includes full coverage + road side assistance. The cost to insure the KLR is 150.00 per year with the same coverage. I have Progressive insurance.

Jim

09 Kawasaki Versys - Green
07 Kawasaki KLR 650 - Black
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post #7 of 35 (permalink) Old 11-09-2010, 08:14 PM
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I've seen people complain about some ridiculously low rates. Progressive quoted me for $1400/yr. I have had zero accidents but I'm young and live in NJ.

It makes sense that the Versys is more than the KLR. Besides being a faster bike, it is also more valuable. Also consider that newer bikes = higher premium.
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post #8 of 35 (permalink) Old 11-09-2010, 08:53 PM
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Progressive, like many other companies, list the Versys as a "Sport Bike" which drives the premium up.

I had my agent (yes, I'm old fashioned in that I really like a real person to handle my insurance who I can call when things happen instead of some faceless drone on an 800 number) run all the companies she could (independent agent) and Progressive actually was several hundred dollars a year cheaper for me than everyone else. My cars are all on SafeCo and they were DOUBLE what Progressive was.

Never had a point on my record in 30+ years of driving, MSF card, etc.

2009 Kawasaki Versys
SWM Engine Guard; Windscreen de Jour on a MadStad bracket; Motowerk Peg Lowering kit & Stand Big Foot; ProTaper ATV Low bars; Stebel horn; KTM Duals Rear Rack; Coocase 36L topcase...and more to come

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post #9 of 35 (permalink) Old 11-09-2010, 08:57 PM
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$240 year w progressive in CO. Geico wanted $1100 for the same coverage. Kawi first cataloged the Versys as a dual sport. Then changed. That moved it to a different category and a whole different insurance rate group. Shop around.
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post #10 of 35 (permalink) Old 11-10-2010, 08:23 AM
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Talking

Hey Markk9

Come live up north

Only 4 month a year to ride until winter sets in, but my insurance went from 350 down to 205 going from a 2009 klr to a 2009 V

They explain to me that since the klr was a DS, it was more at risk of being crashed and burned in a trail (or something like that), ence the difference in fee

Go figure

Ciao

LOP
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post #11 of 35 (permalink) Old 11-10-2010, 10:43 AM
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Hey NJD I live in NJ too. Try Rider's insurance. I'm paying $265.00yr for an 09 Versys. When I spoke to them on the phone the girl said oh, this is a "dual purpose, like a dirt bike." I said uuhhh yea, yea that's it! All state wanted over $700.00.
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post #12 of 35 (permalink) Old 11-10-2010, 10:59 AM
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i pay like 300 bucks thru geico for full coverage
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post #13 of 35 (permalink) Old 11-10-2010, 12:49 PM
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Quote:
Originally Posted by Stud Muffin View Post
All state wanted over $700.00.
Yep, definitely shop around.
I pay $270 for full coverage with Allstate.
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post #14 of 35 (permalink) Old 11-10-2010, 03:55 PM
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Yep, definitely shop around.
I pay $270 for full coverage with Allstate.
Hey Pretbek, I see your in West Chester, I'm about 10 minutes off the other side of the Commodore barry. That is amazing what they can charge in NJ vs PA. A lot of people that moved to NJ from PA keep there cars registered in PA because there is such a big difference.
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post #15 of 35 (permalink) Old 11-10-2010, 07:58 PM
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Originally Posted by Stud Muffin View Post
Hey NJD I live in NJ too. Try Rider's insurance. I'm paying $265.00yr for an 09 Versys. When I spoke to them on the phone the girl said oh, this is a "dual purpose, like a dirt bike." I said uuhhh yea, yea that's it! All state wanted over $700.00.
Stud, I actually am insured with Rider. My only gripe with them is no medical coverage. Still, you can't beat the price.
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post #16 of 35 (permalink) Old 12-03-2010, 01:34 PM
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gee im lucky i dropped my klr and added the versys and my rates went down 15.00 a month. if they only knew how many wheelies i do everyday.
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post #17 of 35 (permalink) Old 12-03-2010, 01:55 PM
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It's a good idea to fire your insurance company once a year or two.

Also, collision insurance is what really drives up the price. I have full coverage (with roadside) but no collision on my Versys for $460 a year with Progressive. And when they get unreasonable on the price, I'll fire them and switch to Geico or AllState or Nationwide or whomever is going to give me the best deal.
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post #18 of 35 (permalink) Old 12-03-2010, 07:59 PM
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Quote:
Originally Posted by Lours_Polaire View Post
Hey Markk9

Come live up north

Only 4 month a year to ride until winter sets in, but my insurance went from 350 down to 205 going from a 2009 klr to a 2009 V

They explain to me that since the klr was a DS, it was more at risk of being crashed and burned in a trail (or something like that), ence the difference in fee

Go figure

Ciao

LOP
I'm gonna have to move to Quebec. In Ontario, my '02 KLR was costing me $680/year. The Versys is the same. I did shop around, and that was the best I rate I could find (comprehensive, $1000 deductable, 40yr old, no accidents, no claims, no tickets).

Dave C

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post #19 of 35 (permalink) Old 12-04-2010, 09:16 AM
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I'm gonna have to move to Quebec. In Ontario, my '02 KLR was costing me $680/year. The Versys is the same. I did shop around, and that was the best I rate I could find (comprehensive, $1000 deductable, 40yr old, no accidents, no claims, no tickets).

Dave C
Hey DaveC

One think I didn't talked about is the fee for the registration
They cost $653 this year
So you have to add this to the 200 for insurance and I guess we are even ...

But you're welcome to come and live here if you want ...

LOP
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post #20 of 35 (permalink) Old 12-04-2010, 10:08 AM
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I had AAA $126 a month for full caverage. Changed to Ptogressive $26 a month full caverage.
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