What are people paying for full coverage insurance and from where at? - Kawasaki Versys Forum
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post #1 of 34 (permalink) Old 12-15-2014, 07:56 PM Thread Starter
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What are people paying for full coverage insurance and from where at?

Anaheim, CA full coverage for 1 year for 2012 Vs. from Dairyland, $721 cash (crap!).

I guess because Vs. has a Ninja engine, insurers' are hard on them.
Well that and California has an open hunting season year-round on consumers.

Who's Next???
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post #2 of 34 (permalink) Old 12-15-2014, 07:58 PM
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Quote:
Originally Posted by kawdog View Post
Anaheim, CA full coverage for 1 year for 2012 Vs. from Dairyland, $721 cash (crap!).

I guess because Vs. has a Ninja engine, insurers' are hard on them.
Well that and California has an open hunting season year-round on consumers.

Who's Next???

Thats not bad for Cali. I had Dairyland in Texas and full coverage when i bought my 09 was a little over $500.00 came to Cali and it was $900.00. Now i just get liability and uninsured/underinsured and save a ton. If i wreck it its on me.

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post #3 of 34 (permalink) Old 12-15-2014, 08:04 PM
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$330 per year for an '09 and rider over 50 in TX with Progressive.
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post #4 of 34 (permalink) Old 12-15-2014, 08:09 PM
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I don't have full coverage..but I did price it with my insurance carrier...for Progressive I believe it was around 450 (for all three of my bikes it would've been around 850)..might have been cheaper..lol...Oregon once again beats the hell out of California...I'm old also..that might help in my case...young men and motorcycles equals big insurance bills....
the ninja engine has more horsepower..revs higher..and is in a sportbike...there really is no comparison...the En-6r has almost ten more ponies in it's stable with the same engine..and would be a more compatible comparison...I would protest any comparison based on the engine...Look elsewhere for your insurance than Dairyland..they don't sound motorcycle friendly...

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post #5 of 34 (permalink) Old 12-15-2014, 08:20 PM
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most insurance companies list the Versys as a sports bike. My FJR was only $11.00 more than the Versys....

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post #6 of 34 (permalink) Old 12-15-2014, 09:44 PM
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Something like $350/yr with high $ coverage, but no collision. I insure via AAA. I'm around Los Angeles (Glendale).
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post #7 of 34 (permalink) Old 12-15-2014, 10:41 PM
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i think i pay $420 a year full coverage progressive
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post #8 of 34 (permalink) Old 12-16-2014, 05:18 AM
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I pay less than $140 (Can't remember exactly) per year for full coverage w/ $2K of accessory coverage/replacement. I have Allstate and live in N/W Louisiana.

My rates were not that much different in New Mexico. I had Progressive out there.

I have always been told that the type of bike and size of engine will definitely affect insurance premiums.
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post #9 of 34 (permalink) Old 12-16-2014, 05:52 AM
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My insurance went *down* by $5 when I added the Versys to my policy. Total is around $525 for full coverage on 4 bikes with Progressive.


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post #10 of 34 (permalink) Old 12-16-2014, 08:07 AM
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$697/year, full coverage on an '09 V, in London Ontario Canada.

A "year" is about 7-8 months of riding with the bike stored for Winter.

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post #11 of 34 (permalink) Old 12-16-2014, 08:32 AM
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Yeah, in California I'm paying $788 total with full everything. It was actually like the same when I had my car on there, as well.

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post #12 of 34 (permalink) Old 12-16-2014, 09:43 AM
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Funny story. My last bike 2013 Ninja ZX6-R 636 was 2600 per year for full coverage. The Versys is around $600 per year, haha.

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post #13 of 34 (permalink) Old 12-16-2014, 10:05 AM
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$420 per year for full coverage on a 2013 Versys through Allstate. I'm waiting for an answer from them regarding why my wife is listed on the policy when I specifically told them I'm the only rider. I'm hoping the price will go down after they remove her from the policy.
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post #14 of 34 (permalink) Old 12-16-2014, 11:23 AM
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Quote:
Originally Posted by chadams66 View Post
...Look elsewhere for your insurance than Dairyland..they don't sound motorcycle friendly...

My '08 in AZ is insured thru Dairyland, for $195.70 for TWELVE months! That price includes:
...BODILY INJURY & LIABILITY 250,000/500,000
...PROPERTY DAMAGE 100,000
...COMP & COLLISION (ACTUAL VALUE to max of $60,000 and optional equip to $5,000 - deductible of $500) , and
...RENTAL REIMBURSEMENT 45/day to $1,350 in TOTAL.



Compare THAT w/ British Columbia, where it's OVER $100/ month W/OUT collision...!

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post #15 of 34 (permalink) Old 12-16-2014, 12:05 PM
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In Mexico City I paid $1100 last year for full insurance, so don't complain.
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post #16 of 34 (permalink) Old 12-16-2014, 04:23 PM
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$1270/yr full coverage through progressive. Not sure why it's so high, got quotes from 5 insurance companies, all about the same price. I'm 28, and no traffic violations in the past 10 years. full coverage for my ninja250 was $280/yr.
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post #17 of 34 (permalink) Old 12-16-2014, 05:25 PM
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Versys $162/year, Progressive
Honda XR 650L $90/year Progressive

2009 Kawasaki Versys
2007 Honda XR 650L
2005 Kawasaki Brute Force 750

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post #18 of 34 (permalink) Old 12-16-2014, 05:26 PM
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Damn. Those are some crazy rates. I only have comp not collision but my bill for the DR650 and Versys is a whopping total of $100/year with Progressive. Sometimes is pays to be old and boring.

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post #19 of 34 (permalink) Old 12-16-2014, 05:57 PM
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To do a comparison you really have to know everyones insurance score. Based on credit rating, education level, income, driving record, other vehicles bundled, home ownership, etc. I pay about what the OP pays, but that is for all my bikes and my roadster combined.

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Last edited by twowheeladdict; 12-16-2014 at 05:59 PM.
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post #20 of 34 (permalink) Old 12-16-2014, 09:03 PM
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$150 for 12 months. Full collision and middle levels of coverage.
Don't have the cleanest record, 28, and live in NY. I honestly thought it was higher till I just looked.

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