My State Farm insurance quote

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My State Farm insurance quote

Post by UFO » Thu Jan 04, 2018 6:23 pm


Keep in mind that I have 2 autos and a home insured with them, and this is just a preliminary quote. Deductibles are a little high, but that's what I'm willing to live with. Reducing them will just cause you to pay out more in premiums over the long run than just paying an extra $500 out of wallet if something bad happens. Also no medical coverage, already have that covered.

I gave them the complete model name.

Email from them states: "ESTIMATED QUOTE FOR 2018 KAWASAKI H2 MOTORCYCLE" and you'll note it's classified as a ZX1000 super sport (SUPSP) which I believe is the ZX10-R. Maybe the H2 SX isn't in their system yet. I will have to call them and see what it would be if they assumed an H2, but I further assume they checked that since the emails actually mentions H2 MOTORCYCLE. :scratch:

Anyway, preliminary...$57 a month. Not bad.
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Re: My State Farm insurance quote

Post by kman0066 » Thu Jan 04, 2018 6:39 pm


It's been listed at NHTSA (VIN lookup) by Kawasaki as a Supersport, and with 200hp, I doubt we'll see that change. Just hoping we're paying for insuring a $22,000 bike and not a $28,000-$55,000 bike.

Progressive shows it as a H2 as well, and charges the same rates as a full H2.

Kawasaki's info to NHTSA: https://vpic.nhtsa.dot.gov/mid/home/displayfile/39598
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Re: My State Farm insurance quote

Post by JonTheChron » Thu Jan 04, 2018 7:05 pm


kman0066 wrote:
Thu Jan 04, 2018 6:39 pm
It's been listed at NHTSA (VIN lookup) by Kawasaki as a Supersport, and with 200hp, I doubt we'll see that change. Just hoping we're paying for insuring a $22,000 bike and not a $28,000-$55,000 bike.

Progressive shows it as a H2 as well, and charges the same rates as a full H2.

Kawasaki's info to NHTSA: https://vpic.nhtsa.dot.gov/mid/home/displayfile/39598
The Ninja 1000 and Ninja 400 are also listed as a SS by the NHTSA.. but it's not the case at all with insurers.. so let's hope that this will be corrected for the H2SX aswell

And also I hope that Kawasaki is working on this issue too, otherwise it would be a huge marketing fail on Kawasaki behalf..
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Re: My State Farm insurance quote

Post by UFO » Thu Jan 04, 2018 8:19 pm


I have some followup questions with my agent, I will post any new information when I get it.
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Re: My State Farm insurance quote

Post by Ninja H2SX » Thu Jan 04, 2018 9:36 pm


There are a few new SXs listed on Cycle Trader with a real VIN. Why not use one of those VINs with an insurance quote and see it that gives a more accurate answer.

As a reference, I'm paying ~33/month with State Farm for my 2016 Yamaha XSR900. Also multi-vehicle and house like UFO, so I get a price break. $50 deductive Comprehensive & $500 deductible Collision. But it's only 115 HP and new cost of ~$10,000.

So fifty something bucks a month for a new SX might be about the lowest you might find out there. The high value of the SX does play a role in the insurance premium too.
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Re: My State Farm insurance quote

Post by cOoTeR » Fri Jan 05, 2018 1:14 am


Looks like they quoted you for a ZX1000. The sport touring ninja. I don't think that quote will be accurate since the zx1000 cost $10,000 less, and probably has better rating groups.
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Re: My State Farm insurance quote

Post by JonTheChron » Fri Jan 05, 2018 1:49 am


cOoTeR wrote:
Fri Jan 05, 2018 1:14 am
Looks like they quoted you for a ZX1000. The sport touring ninja. I don't think that quote will be accurate since the zx1000 cost $10,000 less, and probably has better rating groups.

A few models are refered to by "ZX1000" for 2018, Including the Ninja 1000 (ZX1000WJ), The ZX-10R(ZX1000RJ / ZX1000SJ) and the Ninja H2 (ZX1000XJ)

We are specifically looking for the ZX1002AJ or ZX1002BJ

but NOT ZX1002CJ as this refers to one of the 2018 ZX-10R models

The Ninja H2SX was not built in the same manufacturing plant as the H2, the ZX10R or the Ninja 1000 as a matter of fact...
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Re: My State Farm insurance quote

Post by UFO » Fri Jan 05, 2018 2:00 am


cOoTeR wrote:
Fri Jan 05, 2018 1:14 am
Looks like they quoted you for a ZX1000. The sport touring ninja. I don't think that quote will be accurate since the zx1000 cost $10,000 less, and probably has better rating groups.
The ZX1000 is the ZX10R. The Z1000 is the Ninja 1000.

The quote even lists "ZX1000 SUPSP" (supersport)
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Re: My State Farm insurance quote

Post by JonTheChron » Fri Jan 05, 2018 2:03 am


Ninja H2SX wrote:
Thu Jan 04, 2018 9:36 pm
There are a few new SXs listed on Cycle Trader with a real VIN. Why not use one of those VINs with an insurance quote and see it that gives a more accurate answer.

As a reference, I'm paying ~33/month with State Farm for my 2016 Yamaha XSR900. Also multi-vehicle and house like UFO, so I get a price break. $50 deductive Comprehensive & $500 deductible Collision. But it's only 115 HP and new cost of ~$10,000.

So fifty something bucks a month for a new SX might be about the lowest you might find out there. The high value of the SX does play a role in the insurance premium too.
Could you post a link to the few H2SX you have found on Cycle Trader? I can't seem to find any actually in stock..
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Re: My State Farm insurance quote

Post by JonTheChron » Fri Jan 05, 2018 2:04 am


UFO wrote:
Fri Jan 05, 2018 2:00 am
cOoTeR wrote:
Fri Jan 05, 2018 1:14 am
Looks like they quoted you for a ZX1000. The sport touring ninja. I don't think that quote will be accurate since the zx1000 cost $10,000 less, and probably has better rating groups.
The ZX1000 is the ZX10R. The Z1000 is the Ninja 1000.

The quote even lists "ZX1000 SUPSP" (supersport)
No. I own a 2011 Ninja 1000 and I assure you it is listed as a ZX1000
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