A younger rider looking to insure a 600 supersport that by his own words will only be used for 6 or 7 months out of a year IS talking about a luxury or play item.
Motorcycles - You need to be rich... or have a trust fund.
- Thread starter usdm_b18
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A younger rider looking to insure a 600 supersport that by his own words will only be used for 6 or 7 months out of a year IS talking about a luxury or play item.
Venom01
Well-known member
You don't get anything until you "know" how to spell. I swear you under 30 kids are boarder line illiterate, (no what I'm saying?) Lol
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ABadjusterrider_5
Well-known member
We grew up with spell check and auto correct......
If you're over 25yo, then insuring a SS bike is absolutely no problem. If you're under 25yo and wanting to insure a SS, then you probably fall into one or more of the following categories (from most likely to least likely):
a.) Mom and Dad are footing the bills
b.) You really can't afford it, but you're willing to work long hours just to pay for it (because you think it will get your laid or something)
c.) You're really bad at financial planning (i.e. you aren't saving for your education, RRSPs, future mortgage downpayment, etc.)
d.) You got an awesome high-paying job straight out of post-secondary school and can afford it
If you're under 25yo and the premiums are ridiculous, don't get a 600 SS. I probably make more money than most people under 25yo, but I would NEVER pay $3000/yr for insurance on a recreational vehicle. $3000/yr can be put to much better use.
a.) Mom and Dad are footing the bills
b.) You really can't afford it, but you're willing to work long hours just to pay for it (because you think it will get your laid or something)
c.) You're really bad at financial planning (i.e. you aren't saving for your education, RRSPs, future mortgage downpayment, etc.)
d.) You got an awesome high-paying job straight out of post-secondary school and can afford it
If you're under 25yo and the premiums are ridiculous, don't get a 600 SS. I probably make more money than most people under 25yo, but I would NEVER pay $3000/yr for insurance on a recreational vehicle. $3000/yr can be put to much better use.
rbjeepthing
Well-known member
It does not one bit surprise me that other people have no clue as to what insurance is on a bike as it has gotten quite ridiculous in my opinion. When I started riding on the street 14 years ago I paid $792 for the year on a brand new CBR600 with my M1 and at 16 years of age. This year after taking a hiatus from riding some places quoted me $10,000 - $14,000 for the year on the same bike. I was shocked at the prices being given and nothing has changed other then my age and I actually hold full license's now. Unfortunately there is little we can do so we pay the least amount we can find and enjoy riding. Driving/Riding is a privilege and some people tend to forget that.
EngineerJoe
Well-known member
It's so bad that I'm telling guys in their 40's and 50's to check insurance prices before getting a motorcycle license. It's really gotten out of hand.
I'm sorry for my lack of punctuation and lazy spelling, I did not realize the internet had any grammar rules.
I have always understood that a 600ss would have crazy insurance, I only meant to inquire about sport-touring bikes hoping to find the magical age or experience level when they become affordable as my recent insurance calls have turned me away from upgrading anytime soon.
I have always understood that a 600ss would have crazy insurance, I only meant to inquire about sport-touring bikes hoping to find the magical age or experience level when they become affordable as my recent insurance calls have turned me away from upgrading anytime soon.
I'd read they are actually putting a premium for guys >40 buying SS's. Whole mid-life crisis thing resulting in too many accidents.
Venom01
Well-known member
Mabey now they are. However about 6-7 years ago I knew people in their 40 or 50's vertigo insurance on full liter as bike for less then I was paying for. 400cc bike even if I had been riding for years before they got their m1. If its changing then its about time.
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Venom01
Well-known member
Screw rules, do you really like coming off like an uneducated cave man? I know it's me but I can't stand people who do things like tell me the want to "no" something. Come on people. Totally off topic, sorry.
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For people with reasonably clean records and over 25yo, insurance on a bike should be no problem and very affordable. If money is so tight that they can't afford the $600-$800/yr to insure the bike, then they probably shouldn't be buying it in the first place.
Venom01
Well-known member
I don't have an ss, and even with 11 years of clean riding and being 29 I still can't find these rates you speak of Viffer. Everyone want a min of $1200 for basic. However we have talked about it before and we don't need to start it again. No matter what any insurance pro tells you here I notice that anyone outside Toronto/Mississauga /oakville gets better rates. You live within and you pay. I know for a bike your location should have nothing to do with rates as Viffer told me a few times. However after talking to people on this forum and when I'm out and about I'm damn sure now that it does affect you. I'm damn sure they see where I live and raise my rates because they assume I can afford to pay more. Nothing anyone tells me now I will ever believe. This is how it works.
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$1200 for basic coverage on a non-SS? Are you bundling a car with that?
CFunk
Well-known member
I dunno what kind of bike you're insuring but I'm 25, with 1/4 the riding experience, and pay less than that for my SV650S. I think there's a better rate out there for you, unless you're riding a litre bike.
DucatiDan
Well-known member
I'm currently using Jevco and was plesantly surprised with how reasonable the rates were (I did have realistic expectations though). My car/home insurance company would not even cover my bike as they will not cover any Ducati motorcycle. If anyone wants contact info for my insurance broker, send me a pm.
bboySushi
Well-known member
Is that misspelling of border intentional?
Anyways, I'm 25 with a gsxr600 K7 and I pay $1200/year with no bundling. I have an accident on my record as well.
Anyways, I'm 25 with a gsxr600 K7 and I pay $1200/year with no bundling. I have an accident on my record as well.
