Advice for a bike upgrade

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So my insurance company responded and the rates are below:

EX650 (ER6N):
128.31 monthly (basic)
135.33 monthly (with comp)

CBR600 & GSXR600:
101.07 monthly (basic)
107.20 monthly (with comp)

GSXR750:
128.31 monthly (basic)
135.33 (with comp)

If I remember correctly, I paied about $1130 per year on the 84 Honda.

This is very surprising to me since I expcted GSXRs and CBR to be way higher than Kawasaki considering that they're SS.

This is actually very good news to me as I GSXR and ER6N are on par to my liking in terms of looks :eek:

I'm with State Farm and basically they said year doesn't make a too much difference and it's mostly on the CC of the bike.

I think I've decided on GSXR600.

Now to find that Gixxer... hehehe

Also, another question I had was, does the insurance rate go down in the future given that I don't get any speeding tickets, no accidents, etc.? I'm pretty nooby when it comes to insurance as well since I don't own a car.
 
moarmoto said:
So my insurance company responded and the rates are below:

EX650 (ER6N):
128.31 monthly (basic)
135.33 monthly (with comp)

CBR600 & GSXR600:
101.07 monthly (basic)
107.20 monthly (with comp)

GSXR750:
128.31 monthly (basic)
135.33 (with comp)

If I remember correctly, I paied about $1130 per year on the 84 Honda.

This is very surprising to me since I expcted GSXRs and CBR to be way higher than Kawasaki considering that they're SS.

This is actually very good news to me as I GSXR and ER6N are on par to my liking in terms of looks :eek:

I'm with State Farm and basically they said year doesn't make a too much difference and it's mostly on the CC of the bike.

I think I've decided on GSXR600.

Now to find that Gixxer... hehehe

Also, another question I had was, does the insurance rate go down in the future given that I don't get any speeding tickets, no accidents, etc.? I'm pretty nooby when it comes to insurance as well since I don't own a car.
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Makes sense. State Farm rates by displacement and doesn't care if you're riding a GSXYZX1600 or a Harley Softail. Type of bike is meaningless to them.

Your rates SHOULD go down, with a good record. In practice I find that many people's rates, mine included, remain fairly stable due to the annual rate increases.
 
Based on what you said, get a naked non-SS bike.

Wind protection is not the biggest deal, as far as the riding you think you'll be doing. If you ride 800km days for a week or two on end, riding an unfaired bike would be a problem. But for something like day rides, maybe the occasional overnighter etc. having less wind protection shouldn't really be a problem. There will be wind buffering, but it doesn't get bad until 200km/h+, or if your droning on the highway for multiple days on end.

I'd say get a naked (unfaired) bike.

If your going solely on looks, then most likely, at your skill level, you would prefer comfort/ ease of use over handling/raw power. It takes an experienced rider to really get more out of a supersport than say a ninja 650. You will be able to develop lots of skill on a less powerful, and thus more forgiving bike. In getting a ninja 650 or er6n (or similar, fazer800 etc), the bike will not become the limiting factor for many years of riding... Also these bikes will keep up with the big boys (supersports) just enough so that it won't become a huge problem riding with them. In other words you will be able to gain a lot of skill in a less intimidating environment without being too much slower than people riding supersport bikes.

Also, I found it a lot more difficult to keep my weight off of the handlebars when riding a bike with clip ons. Especially with commuting (eg/ stop signs, traffic) when I'd just get lazy and put all my weight on my hands. By having a more up-right position, I noticed I didn't load the bars as much, and thus got better handling without even concsiously doing anything. I feel that ontario roads are 'straight' enough that my handling got better despite me being in a more upright position.

I'd say you get a less powerful, cheaper to insure, and thus overall safer, sport touring bike.

my 2 (and many more) cents

Then again, if a supersport is that cheap to insure, maybe you should go for it lol
 
Rob MacLennan said:
Actually specifically The Co-operators, a company I had been with for more than 20 years with my car, and roughly the same period of time with my motorcycle, refused to insure either the ER or the Ninja 650R. They considered them both to be sportbikes. They would, however, continue to insure my '00 VFR800 or a new one, if I had bought one, or the Versys. Someone, at The Co-operators, really needs to buy a vowel when it comes to motorcycles. I discontinued all of my business with them.
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that is too funny they are the only ones who will write my 1198 with a good rate. I was told that i can get any bike but if i cancel or let my insurance lapse they will not write a new policy.
 
Scuba Steve said:
that is too funny they are the only ones who will write my 1198 with a good rate. I was told that i can get any bike but if i cancel or let my insurance lapse they will not write a new policy.
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When I left them for a while, where motorcycle insurance was concerned, it was because they couldn't seem to get back to me with a rate after two weeks of waiting, then calling every other day for another week.

The last thing I had with them was my renter's insurance, as of last spring. Apparently my local rep passed the business on to someone else, at which point I received notification that the new rep wanted to make an appointment to evaluate my home AGAIN. They had only been covering my place for something like 3 years, at that point, so I told them to get stuffed and immediately got a policy elsewhere.
 
moarmoto said:
So my insurance company responded and the rates are below:

EX650 (ER6N):
128.31 monthly (basic)
135.33 monthly (with comp)

CBR600 & GSXR600:
101.07 monthly (basic)
107.20 monthly (with comp)

GSXR750:
128.31 monthly (basic)
135.33 (with comp)

If I remember correctly, I paied about $1130 per year on the 84 Honda.

This is very surprising to me since I expcted GSXRs and CBR to be way higher than Kawasaki considering that they're SS.

This is actually very good news to me as I GSXR and ER6N are on par to my liking in terms of looks :eek:

I'm with State Farm and basically they said year doesn't make a too much difference and it's mostly on the CC of the bike.

I think I've decided on GSXR600.

Now to find that Gixxer... hehehe

Also, another question I had was, does the insurance rate go down in the future given that I don't get any speeding tickets, no accidents, etc.? I'm pretty nooby when it comes to insurance as well since I don't own a car.
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dont count out the daytona 675 if you're bent on an ss. triple engine pumps a bit more power out in lower revs= more usable power on the street.
on the flip side, any modern bike upside of 249cc is going to have more than enough power to get you around on the street.
performance for everything will be great, its really a question of sitting on a few models and finding the one that fits right.
 
Have you gone as far as sitting on these bikes at all? It sounds like you are making your decision based largely on looks, and that doesn't always work out. There is no comparison for comfort between your Magna and a SS bike, none. Some people can't tolerate even an hour on a SS, some can go all day, I was somewhere in between on a cbr600rr. I suggest you hit up a dealership, sit on the bikes you are thinking about, see what feels right. Bear in mind that sitting on a bike isn't the same as riding, but buying a bike based on specs as an all purpose bikes probably won't work either.
 
Of the bikes you listed the GSXR 750 is the best. I love that bike.

Insurance doesn't seem to be a deciding factor so that's good.

I disagree with the comments about not benefitting from the wind protection of a sport fairing. I've ridden naked bikes most of the 30+ years I've been riding. There's a big difference in comfort and practicality having a faired bike if you spend any time on the highway. The wind force rises exponentially above 110 kph. If you aren't riding above that and don't ride any distance in the rain you don't need a faired bike. But, if you do ride extensively above 110 kph and/or ride in the rain for any time you WILL notice a big difference having even a sport fairing on the bike.

There are other options than what you posted but from what you posted, I'd go with the 750. Great bike.
 
From your list of needs, your current bike seems to be a better fit than any in your "want" list.

What exactly is wrong with it? After a year your shifting and technique will still need work.

Don't forget that the most dangerous period in a street rider's career is in the second and third years.
 
mikbusa said:
Have you gone as far as sitting on these bikes at all? It sounds like you are making your decision based largely on looks, and that doesn't always work out. There is no comparison for comfort between your Magna and a SS bike, none. Some people can't tolerate even an hour on a SS, some can go all day, I was somewhere in between on a cbr600rr. I suggest you hit up a dealership, sit on the bikes you are thinking about, see what feels right. Bear in mind that sitting on a bike isn't the same as riding, but buying a bike based on specs as an all purpose bikes probably won't work either.
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I've got to agree with this. Go and have a seat on all these bikes before you decide. it really sucks getting your hopes up on a bike to find out you hate the ergos. Even tho bikes like the 650r/ER-6n have an upright seating position doesn't always mean it's better for every rider, either. Personally, I'm not a huge fan of the seating position on the 650r, but I know a couple guys that love it.
 
OpenGambit said:
From the guy that won't ride in an overcast.
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Ofcourse, riding and bikes are toys for me, not commuters, I am not some broke *** student like most of you here, who can't afford a freaken TTC ticket to get to school and back home. I have a nice and fancy car for bad weather and only ride my bike when it's nice and sunny outside. :D
 
The Road Warrior said:
Ofcourse, riding and bikes are toys for me, not commuters, I am not some broke *** student like most of you here, who can't afford a freaken TTC ticket to get to school and back home. I have a nice and fancy car for bad weather and only ride my bike when it's nice and sunny outside. :D
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You don't have to be some broke *** student, to commute on a bike. I'm hardly that, quite far from it in fact, and I don't consider saving roughly $75.00 a week, on parking and gas, to be exactly chump change.
 
I would rather spend the money you save on comfortable car transportation, then be a cheap *** and freeze my nuts off and risk my life riding a motorcycle in the middle of winter. If I was a broke student, I would take the bus during winter over taking a bike anytime.
Bikes to me are solely for fun, and that's it, I would never use one for commuting, hell, not even in the summer, I go out for a ride, have fun and then park it when I am done, and use the car for commuting and anything else.
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