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 blink
eye of horus
Registered: 03/31/02
Posts: 11,349
Loc: Geographic Location (Stat...
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Quote:
Drink_Punk_Soda said:
$8000???? That's got to be a mistake. You could insure a supercar for less than that. Are you sure it wasn't 800 or 80? I was quoted $150/six months for insurance with the works on a ninja 500. I know the 650 is the next class up but even still...
I made sure before I hung up the phone, asked for a complete breakdown of why.
I'm 22 and a male, and for whatever reason, her insurance system calls the sv650 a SUPER SPORT.
I was like "wtf are you talking about, it's 650cc"
she said "I guess it's a light bike"
I'm so fucking steamed right now. This is a huge roadblock for me.
Also, consider that Canadian insurance (specifically Ontario's no fault insurance) is highway robbery. They make billion dollar profits, then hike premiums with nobody to hold them accountable.
Any other bike suggestions that might qualify me for a simple street bike? not this super sport business?
Oh and lastly, insurance covers 7 years of drivers abstract, and 6 years ago, when I was 16, I crashed my parents minivan.
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Edited by blinkidiot (05/03/06 04:59 PM)
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TM
The Mind, The Many, The Music.
Registered: 06/11/02
Posts: 8,282
Loc: Under The Table And Dream...
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 Re: Motorcycles  [Re: blink]
#5586682 - 05/03/06 05:01 PM (17 years, 1 month ago) |
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Dude... Call a different agency. Nobody in their right mind pays more for one year of insurance than the vehicle is worth!
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"Have some congratulatory drugs." - C. Montgomery Burns
I'll probably always do drugs, so that just contributes to the addiction to The Shroomery... It's a vicious circle of bliss. 
TM™ 
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blink
eye of horus
Registered: 03/31/02
Posts: 11,349
Loc: Geographic Location (Stat...
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Re: Motorcycles *DELETED* [Re: TM]
#5586700 - 05/03/06 05:05 PM (17 years, 1 month ago) |
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Post deleted by blinkidiotReason for deletion: Im sorry
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 Drink_Punk_Soda
Now with ExtraVaganza!?
Registered: 06/14/02
Posts: 1,677
Loc: Nowhere fast
Last seen: 2 years, 3 months
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Re: Motorcycles [Re: blink]
#5586707 - 05/03/06 05:06 PM (17 years, 1 month ago) |
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Were you insured/of legal driving status when you crashed? That'll raise prices but that rate you were quoted is simply absurd. Even people who have had their licenses revoked for multiple DUI's don't get rates like that. Granted I know nothing about the Ontario system, I still think someone was shooting for the moon on that one.
If you're looking for a similar bike, try what I have- 2002 Kawasaki Ninja 500. The 500 is generally not considered a sport or super sport, since it rides more like a standard, and the rates are much lower than the next step up (Ninja 636 or similar). Plus it's a pretty solid and fun bike.
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Kumbayah my lord, Kumbayah...
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blink
eye of horus
Registered: 03/31/02
Posts: 11,349
Loc: Geographic Location (Stat...
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Post deleted by blinkidiotReason for deletion: Im sorry
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TM
The Mind, The Many, The Music.
Registered: 06/11/02
Posts: 8,282
Loc: Under The Table And Dream...
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Re: Motorcycles [Re: blink]
#5586742 - 05/03/06 05:13 PM (17 years, 1 month ago) |
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Quote:
blinkidiot said:
I never said I was going to pay that.
I hate tracking down insurance companies.
What I meant was, nobody can charge more than a motorcycle is worth (over $4000) for one year of insurance. No way, because nobody would pay it.
Theres been a mistake. You just have to call around and find someone who knows what they're talking about.
I wasn't saying you'd pay it, or that you were out of your mind.
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"Have some congratulatory drugs." - C. Montgomery Burns
I'll probably always do drugs, so that just contributes to the addiction to The Shroomery... It's a vicious circle of bliss.
TM™
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otr317
in search of...
Registered: 06/06/05
Posts: 102
Loc: SWFL
Last seen: 14 years, 4 months
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Re: Motorcycles [Re: blink]
#5586897 - 05/03/06 05:50 PM (17 years, 1 month ago) |
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that's a shame about the exorbitant insurance prices, especially on the sv. if they're classifying the sv as supersport, i'd hate to see what they're classifying gsxr 1k's and r1's as... or how much they're charging.
as for the ninja 250/500... they're not bad bikes but the technology is seriously outdated. an sv of similar year will be a much more satisfying bike in every way.
i think you're on the right track with the sv. i have 3 friends who between them own every model in the sv line (650s, 650 naked, and 1000s). i've ridden all of them and they're stellar bikes. the 650 seems an ideal learner bike, they handle wonderfully, have a helathy amount of torque thanks to the v-twin, and at the same time won't be as unforgiving as the inline 600's if you grab a bit too much throttle at the wrong moment. plus, if you get the naked version you won't have much to fix when it goes down.
i can't fathom why insurance would cost you so much, i have an atrocious driving record (mostly speeding tickets....) and i was quoted a little more than 200/mo on my bike, which is a fully faired inline 6.
personally, i hold the title to my bike and choose not to insure it. if i had financed it, that would be another story, but where i live you're not required by law to carry insurance on a motorcycle and i'm a broke-ass student, so i don't. i know that i can repair the standard low-side damage on my own, and i doubt that if i total it i'll be in good enough shape to concern myself much with the costs of repair. more than anything, i'd like theft coverage because they're so easy to pick up and toss in the back of a truck... i lock mine to something with a big ass cable and hope for the best.
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"I love sleep. My life has a tendency to fall apart when I'm awake, you know?"
-Ernest Hemingway
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otr317
in search of...
Registered: 06/06/05
Posts: 102
Loc: SWFL
Last seen: 14 years, 4 months
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Re: Motorcycles [Re: blink]
#5586949 - 05/03/06 06:02 PM (17 years, 1 month ago) |
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as for riding gear, that's the one area that i'll really stress it's important to not skimp on.
get a good snell approved helmet, i own an AGV that i've been very happy with.... HJC's newer lids are of better quality than the old ones, same goes for the newer KBC's (very nice imo). around $300 US should get you in a nice lid, make sure to try on several as different manufacturers and lines cater to different shaped heads.
as for pricey helmets.... when i have the cash together, i'm going to go out and spend $600 or so on a Suomy or a nice Arai, and i don't consider it a waste in the least: you get what you pay for in comfort, lightweight materials, good venting, and most of all safety... how much is your head worth to you?
a good leather jacket w/ hard armor is a must too. dainese, alpinestars, teknics, spidi, and icon all make a nice product and are listed in descending price order. buy and wear a good set of gloves too, road rash on your hands doesn't seem like fun.
as far as footwear it's the one thing i slack on. i usually just wear a pair of suede/leather shoes. boots are a good idea, though.
hope this helps, good luck finding a bike.
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"I love sleep. My life has a tendency to fall apart when I'm awake, you know?"
-Ernest Hemingway
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blink
eye of horus
Registered: 03/31/02
Posts: 11,349
Loc: Geographic Location (Stat...
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Re: Motorcycles [Re: otr317]
#5608927 - 05/09/06 02:11 PM (17 years, 26 days ago) |
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alright,
After more digging around, it seems like the magic number is 500cc, above which insurance companies begin charging men under 25 through the ass.
I'd like more suggestions on bikes? the ninja ex500 would cost 2200 to insure for a year, as an example.
any ideas for something at 500cc?
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trendal
J♠
Registered: 04/17/01
Posts: 20,814
Loc: Ontario, Canada 
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Re: Motorcycles [Re: blink]
#5608937 - 05/09/06 02:13 PM (17 years, 26 days ago) |
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How much does the insurance go down after you turn 25?
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Once, men turned their thinking over to machines in the hope that this would set them free.
But that only permitted other men with machines to enslave them.
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BLAST_420
Stranger
Registered: 06/19/05
Posts: 1,307
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Re: Motorcycles [Re: blink]
#5608944 - 05/09/06 02:14 PM (17 years, 26 days ago) |
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where I live you dont need insurance for a bike
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Corporal Kielbasa
Registered: 05/29/04
Posts: 17,235
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Yeah my insurance cost 125$for the year. That price the gave you is extreme.
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buckwheat
Cynically Insane
Registered: 12/09/02
Posts: 11,179
Loc: Not Enough Characters to ...
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Re: Motorcycles [Re: blink]
#5609063 - 05/09/06 02:41 PM (17 years, 25 days ago) |
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Quote:
blinkidiot said:
alright,
After more digging around, it seems like the magic number is 500cc, above which insurance companies begin charging men under 25 through the ass.
I'd like more suggestions on bikes? the ninja ex500 would cost 2200 to insure for a year, as an example.
any ideas for something at 500cc?
Maybe the Ducati monster 620 will not be classified as a sport bike but they are nice real nice. Suzuki gs500 2004 and up are like the ex500. Some SuperMotos are in the 550 range.
http://www.supermotojunkie.com/
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BLAST_420
Stranger
Registered: 06/19/05
Posts: 1,307
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the Ducati monster 620 is 618cc and no Ducati bike is under 600cc's.
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buckwheat
Cynically Insane
Registered: 12/09/02
Posts: 11,179
Loc: Not Enough Characters to ...
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yeah but if it's not classified as a sport bike or a high risk bike by his insurance company then what does it matter. the qoutes i got for a Ducati 749 where cheaper than for my Cbr00rr because Ducati's are crashed less.And a GSXR600 might cost more than my bike because its the choice bikes of squids and theivs also.I remember reading somewhere that Hayabusas have a 30 day crash expectancy by some insurance companies
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BLAST_420
Stranger
Registered: 06/19/05
Posts: 1,307
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from what he said anything above 500cc's is considered a super bike by his insurance company
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blink
eye of horus
Registered: 03/31/02
Posts: 11,349
Loc: Geographic Location (Stat...
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Quote:
BLAST_420 said:
from what he said anything above 500cc's is considered a super bike by his insurance company
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impgl
CrimethINCspecial agent
Registered: 02/07/06
Posts: 2,462
Loc: california!
Last seen: 6 years, 8 months
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Re: Motorcycles [Re: blink]
#5609816 - 05/09/06 06:45 PM (17 years, 25 days ago) |
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im only 21 now. i live in california where its a law to have insurance. i says to myself i says "look, your 18 and on a ninja. your going to get raped for tax" especially cause my parents had nothing to do with it. so i never bothered to even get a liscense. i got stopped one time randomly as im starting my bike, i wasnt even doing anything illegal. they thought i was somebody else. luckily, i didnt have anything illegal (but i did have a pot growing book, pruners, and fertilizer lol), but i got taxed like $900. moral of the story: "get the fucking insurance" ~~> 
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omg really?
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Drink_Punk_Soda
Now with ExtraVaganza!?
Registered: 06/14/02
Posts: 1,677
Loc: Nowhere fast
Last seen: 2 years, 3 months
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Re: Motorcycles [Re: impgl]
#5609911 - 05/09/06 07:07 PM (17 years, 25 days ago) |
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Nah, screw the insurance! Think about how much you saved all of the times you didn't get caught.
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Kumbayah my lord, Kumbayah...
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TM
The Mind, The Many, The Music.
Registered: 06/11/02
Posts: 8,282
Loc: Under The Table And Dream...
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Re: Motorcycles [Re: blink]
#5610096 - 05/09/06 07:42 PM (17 years, 25 days ago) |
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Quote:
blinkidiot said:
Quote:
BLAST_420 said:
from what he said anything above 500cc's is considered a super bike by his insurance company
Insurance companies have their heads up their asses!
My Road King has a 1450cc motor and there are 475cc 2-strokes that would blow it off so bad it'd look like it was standing still!
To go by motor displacement as a guide for rates is totally rediculous!
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================================================
"Have some congratulatory drugs." - C. Montgomery Burns
I'll probably always do drugs, so that just contributes to the addiction to The Shroomery... It's a vicious circle of bliss.
TM™
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