Anyone get an insurance quote yet?

[cOoTeR]

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! 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!

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.

[UFO]

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?

[cOoTeR]

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

[cOoTeR]

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!

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.

[JonTheChron]

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

[kman0066]

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

[cOoTeR]

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.

[Ninja H2SX]

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?

[JonTheChron]

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

[cOoTeR]

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.