Anyone get an insurance quote yet?

For general chat about the Kawasaki H2SX (SE). One Wheel Drive forum for all other bike talk.
User avatar
cOoTeR
Chirp-Chirp!
Chirp-Chirp!
Posts: 809
Joined: Dec 15th, 2017
Location: United States
x 64
x 320

Anyone get an insurance quote yet?

Post by cOoTeR » Mon Dec 18, 2017 11:58 pm


So I called State Farm insurance who has been the best price for me for 11 years, to get a quote on an SX SE. I have 2 cars, an SUV, my house and until recently 3 motorcycles insured with them.

They don't have it in their system yet so she couldn't give me a actual quote. So for a high end estimate I had them quote me on an H2. I'm not sure if she used a 17 or 18. She estimated it at over $2k a year and over $210 a month! :devil: That's $30 more than what what twice my ZX10-R would have been. I was paying $90 a month with a $500 deductable for that which seemed high! :bash:

I'm 32 married with a young non driving child, own a house, multiple policies and haven't had a ticket in at least 7 years and a credit score over 725. Hopefully the sport touring classification and the $6k less msrp helps with the price of insurance for the SX SE.
0 x

Stock with airfilter 164whp 84ft.lbs
De-restricted + tuned 213whp 97ft.lbs
Full vandemon exhaust with tune 221whp 99ft.lbs
On Race Fuel 233whp 103ft.lbs

User avatar
UFO
Accelerating
Accelerating
Posts: 280
Joined: Nov 30th, 2017
Location: PNW, USA
Bike(s): '18 H2SX SE
x 47
x 160

Re: Anyone get an insurance quote yet?

Post by UFO » Tue Dec 19, 2017 12:41 am


My Multistrada has always been about $350/year, full coverage. State Farm as well. Less than $30 a month. And it cost over $20K when I bought it in 2010.

$2000 a year for an H2? :lol:
0 x

Various... ➡ 2000 Hayabusa ➡ 2002 VFR ➡ 2003 FJR1300 ➡ 2010 Multistrada ➡ 2018 H2SX SE #510

User avatar
cOoTeR
Chirp-Chirp!
Chirp-Chirp!
Posts: 809
Joined: Dec 15th, 2017
Location: United States
x 64
x 320

Re: Anyone get an insurance quote yet?

Post by cOoTeR » Tue Dec 19, 2017 2:07 am


My friend had a multi and was telling me it cost him $35 a month with state farm.
0 x

Stock with airfilter 164whp 84ft.lbs
De-restricted + tuned 213whp 97ft.lbs
Full vandemon exhaust with tune 221whp 99ft.lbs
On Race Fuel 233whp 103ft.lbs

User avatar
cOoTeR
Chirp-Chirp!
Chirp-Chirp!
Posts: 809
Joined: Dec 15th, 2017
Location: United States
x 64
x 320

Re: Anyone get an insurance quote yet?

Post by cOoTeR » Sun Dec 31, 2017 9:02 pm


Using the model number ZX1002BJFL I requested insurance quotes from a couple companies online. The coverages I got quotes on were $100,000/$300,000/$50,000 with $500 deductible $15,000/$30,000 in under and uninsured coverage and Total Loss coverage (insurance will pay out msrp of the same bike for the current model year for the first 4 years of coverage). Bike listed as stored in a locked garage and 1 claim in the past 3 years for when I dropped my bike off of a trailer. No tickets on record.

Geico was the highest but also the only company to have the H2 SX SE listed in the models. It came in at $245 per month or $2880. per year! :crazy: :bash:

Nationwide was $88.20 per month $1058.39 when I didn't check the box for "modified frame, nitrous kit or turbo kit". $132.26 per month $1587.11 per year with the turbo box checked. These nationwide quotes included discounts for where I work and my AMA membership.

Progressive was $66.50 per month, $714. per year without the turbo box checked. $83.50 per month and $898. per year with the turbo box checked.

I haven't been able to get ahold of my current insurance company, state farm, since I've found the model codes for the SX SE and their online quotes weren't working for me. I might be able to get lower quotes buy switching other insurance policies over aswell to one of these companies.
0 x

Stock with airfilter 164whp 84ft.lbs
De-restricted + tuned 213whp 97ft.lbs
Full vandemon exhaust with tune 221whp 99ft.lbs
On Race Fuel 233whp 103ft.lbs

User avatar
JonTheChron
Medium Boost
Medium Boost
Posts: 358
Joined: Dec 10th, 2017
Location: Montreal, Canada
Bike(s): H2SX SE '18
Website: http://supercharged.ninja
x 64
x 85

Re: Anyone get an insurance quote yet?

Post by JonTheChron » Mon Jan 01, 2018 1:05 am


Here are two VIN numbers I generated.. one for each model, they might be worth a try with your insurances.. both are for serial number #100

Ninja H2SX:
JKBZXVA11JA000100

Ninja H2SX SE:
JKBZXVB13JA000100

Both these VINS work on the DMVs website..

https://www.dmv.org/vehicle-history/vin-decoder.php
0 x

2018 H2SX SE #232
2011 Ninja 1000 (sold)
2009 Ninja 250R (sold)

User avatar
kman0066
Low Boost
Low Boost
Posts: 194
Joined: Dec 6th, 2017
Location: Nolensville, TN
x 15
x 77

Re: Anyone get an insurance quote yet?

Post by kman0066 » Mon Jan 01, 2018 3:56 am


Dang, that shows up as H2 with progressive, makes my rate go up 8x, and I already have 4 motorcycles insured with them....eek
0 x

User avatar
cOoTeR
Chirp-Chirp!
Chirp-Chirp!
Posts: 809
Joined: Dec 15th, 2017
Location: United States
x 64
x 320

Re: Anyone get an insurance quote yet?

Post by cOoTeR » Mon Jan 01, 2018 6:12 am


JonTheChron wrote:
Mon Jan 01, 2018 1:05 am
Here are two VIN numbers I generated.. one for each model, they might be worth a try with your insurances.. both are for serial number #100

Ninja H2SX:
JKBZXVA11JA000100

Ninja H2SX SE:
JKBZXVB13JA000100

Both these VINS work on the DMVs website..

https://www.dmv.org/vehicle-history/vin-decoder.php
The DMV.Org site has them listed as super sport motorcycles and not sport touring. That's going to hurt the insurance costs.
0 x

Stock with airfilter 164whp 84ft.lbs
De-restricted + tuned 213whp 97ft.lbs
Full vandemon exhaust with tune 221whp 99ft.lbs
On Race Fuel 233whp 103ft.lbs

User avatar
Ninja H2SX
Low Boost
Low Boost
Posts: 122
Joined: Dec 2nd, 2017
Location: WA State
x 33
x 36

Re: Anyone get an insurance quote yet?

Post by Ninja H2SX » Mon Jan 01, 2018 7:47 am


Seems if the insurance company has the bike listed by model/VIN there should be no requirement to check if it has a turbo, etc. Normally aspirated bikes have as much HP, so seems insurance cost should be based on CCs and HP level. Ooops, forgot ... when was insurance companies logical?
0 x

User avatar
JonTheChron
Medium Boost
Medium Boost
Posts: 358
Joined: Dec 10th, 2017
Location: Montreal, Canada
Bike(s): H2SX SE '18
Website: http://supercharged.ninja
x 64
x 85

Re: Anyone get an insurance quote yet?

Post by JonTheChron » Mon Jan 01, 2018 8:40 am


cOoTeR wrote:
Mon Jan 01, 2018 6:12 am
JonTheChron wrote:
Mon Jan 01, 2018 1:05 am
Here are two VIN numbers I generated.. one for each model, they might be worth a try with your insurances.. both are for serial number #100

Ninja H2SX:
JKBZXVA11JA000100

Ninja H2SX SE:
JKBZXVB13JA000100

Both these VINS work on the DMVs website..

https://www.dmv.org/vehicle-history/vin-decoder.php
The DMV.Org site has them listed as super sport motorcycles and not sport touring. That's going to hurt the insurance costs.
True, but they also list the Ninja 1000 as a supersport.... which isnt the case.. i hope this will get corrected
0 x

2018 H2SX SE #232
2011 Ninja 1000 (sold)
2009 Ninja 250R (sold)

User avatar
cOoTeR
Chirp-Chirp!
Chirp-Chirp!
Posts: 809
Joined: Dec 15th, 2017
Location: United States
x 64
x 320

Re: Anyone get an insurance quote yet?

Post by cOoTeR » Mon Jan 01, 2018 9:40 am


Ninja H2SX wrote:
Mon Jan 01, 2018 7:47 am
Seems if the insurance company has the bike listed by model/VIN there should be no requirement to check if it has a turbo, etc. Normally aspirated bikes have as much HP, so seems insurance cost should be based on CCs and HP level. Ooops, forgot ... when was insurance companies logical?
Correct but when I did the quotes it was by model code and not by the VIN. The only company that had the model listed was Geico which was way higher than the other two companies. When I did the quotes with progressive and nation wide I had to pick "other" for the bike model. I also had to click sport touring as the type.

I believe the modified frame, nitrous, turbo box is supposed to be used when those things have been added to a bike since those aren't normally stock items. But I was getting a generic quote on a sport touring bike so I checked it to get a more accurate quote.
0 x

Stock with airfilter 164whp 84ft.lbs
De-restricted + tuned 213whp 97ft.lbs
Full vandemon exhaust with tune 221whp 99ft.lbs
On Race Fuel 233whp 103ft.lbs

Post Reply
meble kuchenne na wymiar warszawa cennik

Who is online

Users browsing this forum: No registered users and 4 guests