I love how completely statistics-based everything is. For instance, despite having much more power than the KLR250, the KLR650 has much lower insurance premiums. Presumably that means that State Farm has, over time, paid very little in claims money to KLR650 riders and therefore has assumed that they are a less-risky bunch. Similarly, the Ninja 250 has higher premiums across the board than the Ninja 650. I think, once again, that this is because a) Ninja 250 => new rider, and new riders crash, and b) if you wanted to get a 600+cc machine and DIDN’T get a Kawi ZX-6R instead of the Ninja 650R, you’re probably a tamer and less-risky individual. Maybe?
Another funny case: the Ducati 1098R is a $40,000 supersport bike. While it has an E (highest possible premiums) rating for collision as you would expect, it only has a B rating (lower-than-average premiums) for liability. Most other supersports have E ratings across the board. I guess that makes sense, because in the event of a crash, it’s going to be super expensive to repair, and will cost the insurance company a great deal. However, somebody riding $40,000 of their own money is less likely to be pulling stand-up wheelies on the interstate, so they’re less likely to incur liability charges against others. Or have I misunderstood something? I might be mixing up my insurance terms.