JoshI realized it was long, but what was clearly said was that the 650r was nowhere in the drop down list progressive insurance had, so I was forced to use “other street sport bike.” There you fill in the cc’s manually and anywhere from 250 to almost 800 gets the same rate. However, if you were to type in a zx-r model (4 cylinder) even at 600cc I’m sure it would be about double the 500r, because it’s a ss. Super sports generally start at double the insurance for the 500r.
Yea GENERALLY the rate’s are by cc’s, but there may be a loophole in progressive’s system. The weird thing progressive had the suzuki sv650 listed and the ninja 650r was not. We all know the 650r is kawasaki’s answer to the sv650, and they are in direct competition with each other. The sv650 was quoted at about 40-50% more than the 500r was quoted, so you would assume that the 650r would get about the same rate. Kinda how the cbr600rr and R6 get quoted at the same rate. BUT, since the 650r was not SPECIFICALLY listed, “other street sport bike” between 250ccs and the upper 700’s ccs get the same rate. Get it?
If Geico had the 650r specifically listed in their quotes, it would probably get a higher insurance rate than the 500r but not as high as the ss 600 bikes. I’m just going to call up the guy who listed the 650r on craigslist and get a freekin’ VIN number. Then I’ll know for sure.
You could view it two ways I guess. On one hand, you could say with progressive it’s cool my 500r/650r is as cheap to insure as a 250r, or you could lament your 250r is as expensive to insure as a 500r/650r. I guess we need comparative quotes from other companies to find out whether the 500r progressive rate is a steal or the 250r progressive rate is expensive.
