Harley insurance

Derek Paisley

Derek Paisley

Well-known member
Hey everyone. I am looking at picking up a 2013/14 883 IRON in the coming weeks.

I am looking at either the HD or a new Ninja 300.


Is it expected to pay much more for a Harley as compared to other bikes?
I was quoted $1,750 for the year, full insurance 883

$840 for the Ninja 300 for the year. Full coverage.


Is it the brand that brings in the higher rates or are they stolen more? Crashed more?

Thx for the help.

D
 
It's the displacement.

Not sure why are you looking at Ninja 300 if you want a Harley. Look at a smaller cruiser in the 500-650cc range and your rate will also drop. You probably want new but the Vulcan 500 was a very nimble little cruiser that had decent power (engine from Ninja 500). You can pick one up for dirt and the insurance in your case would be probably around $1,200.

If you want to save money, Harley is not the way to go anyhow. So if you are thinking about Ninja for that reason then consider the older 250 because it falls into the 125-249cc category with many insurance companies. Or if you want a new street bike - Honda CBR250.

I think you have to decide what kind of riding you want to do first.
 
thx bud.

I went from a Katana 600 to a Spyder RSS 1000.

In terms of what direction I am going; I wanted to go the Iron 883 route as I prefer the bike over the 300 Ninja.
However, the insurance is 2x that of the Ninja in my case. And nearly 20% more then my RSS.

If I go the route of the Ninja, I'll grab the 300 and pass on the 250/r. (Same goes for the Honda 250. Although I do like both the Kawi Ninja 250 and Honda CBR 250, I prefer the Ninja 300 over the other models)

I've ridden the 300 Ninja, but never a Harley. Nether comes close to the power/acceleration of my RSS; however I am not looking to match that output.

I like both of the models I noted, however the insurance gap is quite large.
I've never looked into the costs of insuring a Harley, now I know they are jacked up. Sucks, as I did like the 883.

I may keep my Spyder and just add to my garage.
In terms of riding. Just city, not overly aggressive. (No need for me to get a SS for example. It would be a waste of machine).

Which is why I guess I like the Harley. :> Slower.


D
 
Derek Paisley said:
Hey everyone. I am looking at picking up a 2013/14 883 IRON in the coming weeks.

I am looking at either the HD or a new Ninja 300.


Is it expected to pay much more for a Harley as compared to other bikes?
I was quoted $1,750 for the year, full insurance 883

$840 for the Ninja 300 for the year. Full coverage.


Is it the brand that brings in the higher rates or are they stolen more? Crashed more?

Thx for the help.

D
Click to expand...

Which insurance company are you with currently / got that quote from?

Viffer put this together: http://i982.photobucket.com/albums/ae301/vifferfun/ClassicDecisionTreev5.jpg
 
Grey Rock - I believe they go through Intact.
Those were the rates I was provided earlier today.


Thx for the reference! It helped clear some things up.

D
 
I went from my 2000 CBR929RR to a 2011 Road Glide Ultra with full coverage and my insurance is only $800 a year for something worth a lot more than my 14 year old sport bike.
 
I don't know how old you are but that 883 quote sounds really high. I pay $1100 for my '11 1200 Custom with full coverage and $1K deductible through Riders Plus and I know they aren't the least expensive. You should call around..
 
OP, if you want a cool, "slow" bike then why not a Thruxton or a Bonneville from Triumph?
883s are dime in a dozen. About 860cc so will be pretty close, insurance wise, to H-D.

2nd thing to consider are your ergos. That's why I was surprised that you were looking at a small sporty bike and an upright cruiser. Totally different feel. Personally I can't do cruisers. Tried for a season - not for me. But that's because of the kind of riding I do. For a city bike, they are decent, in my opinion.
Not sure how much mileage you racked up on the 300 previously but if you plan to spend few hours on it and are 6ft+ then you may want to think twice.

As for Intact, they jacked my insurance last year, after they bought Jevco (which I was with).
About 10% if I remember correctly. So now I'm paying $800 for a VFR800.
I will shop around.
 
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