[Elias]

Alright guys, I went through with it. I bought RFX1 leather gloves by Five, Shark RSR2 Absolute Matte Black helmet, Shift Racing Torque Kevlar Jeans and the infamous WHITE Dainese Laguna Seca perforated leather jacket. Yes, I am definitely going to be cleaning this thing a lot, especially with all the little perforated holes, but the black one didn’t work for me.The MSRP totaled over $1500 (without tax) but I got it all for $917 (with tax). The helmet was at a HUGE discount and the jacket was on manager’s special for this week (lucky). I’m super stoked. All I have to get now is that back protector and some boots…annnnnnd a 650R All the salesmen seem to be super impressed that I am buying gear before buying a bike. Hope my insurance company realizes how insanely safe I am too lol…

[eternal05]

Gear before bike shows commitment, and at the very least, will leave you with constant and tasty reminders of what’s to come while you’re waiting for your bike to materialize.

Your insurance company, on the other hand…they’re not going to care

[Clay Dowling]

That’s what you’ll be doing for insurance on a sport bike of that size. Of course, if the actuaries from my insurance company had seen me Friday, my rates would have gone through the roof. I had it in triple-digit range several times on the way to and from work. Even with a very late start I got to work just shortly after my normal time.

And no, I wasn’t rushing to avoid being late. I was rushing because I was curious about triple-digit riding. Not uncomfortable on my bike, but not safe for long distances on back roads, and too likely to draw the attention of five oh.

[Candice]

That’s exciting – where’s the pictures. Do some modeling for us!

[Elias]

Bummer, insurance is going to kill me. Well at least I will get BRC and driving record discounts. I’m going to have to get full coverage though. Bah, whatever, I’ll be riding.

[Elias]

I’ll post some pics when the helmet arrives, it was special order because they didn’t have my color

[eternal05]

In all the research I did, quotes were virtually the same for the Ninja 250R and the 650R. It’s your youth and inexperience that will drive your rate up.

[SafetyFirst]

Is now a bad time to say my insurance was $318 for 12 months on my 03 EX250F?

50K/person,100K each accident bodily
25K each accident property damage

25K/person, 50K each accident uninsured/underinsured accident bodily

2.5K medical payments

3K accessory coverage

$100 comprehensive
$250 collision

[Elias]

State your age and location. Me, I’m 23 and in Squidville, USA (Tempe, AZ right nextdoor to ASU). College idiots get in moto accidents here with nothing but sandals, swimsuit and a wife-beater on. Doesn’t exactly put in a good word for new riders like me. I don’t know what my rate will be yet, but it won’t be $318! I’m hoping I keep it under triple digits per month…

[SafetyFirst]

26 in Ohio. Haven’t had a ticket in years. Though the 250 likes to sneak in some speed in the higher end of the gear, but I try to keep it under 5 over (which worst case scenario, has no points in Ohio on any road.) Lucky for you, your 650 is FI and the throttle is more linear.

Try Progressive online. Yes, the lady in their commercials is annoying, but their motorcycle insurance prices are the best I found.

I focused more on insurance to cover my bike and myself getting hurt than liability if I’m at fault. When it’s a bike versus a cage, you know which one going to get more damage and injured more.

[Elias]

Yeah I did a quick online quote with Progressive, they quoted me over $2k a year. I got it down to $198/month with crappy coverage!! But I take it with a grain of salt because those online quoting systems are so bogus sometimes. I’m going to go in to see my current insurance agent F2F (StateFarm) first, and then go from there. I know I’m going to have to find the ‘sweet spot,’ what a pain.

[eternal05]

First of all, what really drives your insurance premium up is the extra coverage for liability and medical, etc. Your bike? Jigga please. If you break a fairing, that’ll cost somewhere between $150-500 bucks to fix (depending on how bad). Insurance companies could care less about that.

But what if you hit a kid while he’s crossing the sidewalk and fatally injure him? The medical bills, court cases, legal fees, etc. to protect you from THAT is what insurance companies really break out the high premiums for. That’s why your insurance costs will jump so much when you start adding in maximum liability and the like.

Now maybe I’m not like most, but I don’t buy insurance for the vehicle. It’s always nice not to have to pay for repainting after that dick keys your car on the UW campus, but that wouldn’t have ruined you. While it’s there more so in a car where the amount of damage really could break the bank, my deductible on bike insurance is $1000: enough to repair a lot of crash damage. Insurance really isn’t for the bike, primarily; it’s for you.

If you total a bike, you’re out $4-15Gs depending on what you ride. That’s a lot of money, and it’d seriously set you back, but a man can recover from an unexpected $8K debt. But if you’re at fault for a serious pileup, the liability, medical, and damage reparations for that can easily approach the million-dollar mark. THAT’s the kind of thing that will permanently ruin you. If you’re in the sights as the target for hundreds of thousands to millions in damages and you DON’T have insurance to protect you…well, you can do the math.

So yeah, my insurance rate is ridiculous. I’ve never gotten a ticket, but I am in my twenties. In a few years I pay more in insurance than I did for my 250R. But that’s because I have maximum coverage on everything. It’s my personal choice, as is everything else in this motorcycle business.

[gsmurfette]

I have an 09 Ninja 250. I’m 23, female, married, perfect driving record. Sequim, WA. Geico wanted like 2700/yr! I got progressive, and it’s like 480/year..something like that, less than 500, more than 400. Full coverage. I don’t remember all the specs, I got the basic coverage, uninsured motorist, uninsured property, and comprehensive, and actual damage costs (not replacement), 3,000 accessory included. I tried Dairyland, but couldn’t submit to get my quote, kept freezing, so I just went w/ Progressive. Hubby is trying to get his hands on 05 Honda CBR F4i, so looking forward to the muti discount. Oh yeah, the progressive is coupled up w/ USAA (military), so I think we got some kind of discount.

[bigguybbr]

Geico was crazy high for a year for me aswell. State farm seems to go by age and displacement, not the style of bike. So at age 29, my FZ6R costs me $384 for the year.

Anyways, back to the topic at hand. Wow you sunk a ton of dough into gear, and you haven’t even kicked your leg over the saddle yet? I’m all about being safe, but I might have held off on some of those high end purchases until after MSF. What if you just dumped a load of cash on gear, and you find out riding isn’t for you? I remember there were some people in my class that found that hard lesson. There were some that found that the experience wasn’t as romantic as they had made it upto be in their head. There were also those that found they really lacked the balance and coordination to operate on 2 wheels.

I dunno, it’s good to be safe but I would take the class before you continue the label whoring. Just my opinion.

[Elias]

LOL, bigg, I appreciate the insight, but I have already been riding dirt bikes, and I passed my BRC in February with flying colors, so I have my M endorsement in hand. I have great coordination and balance on bikes and they just feel great, as I’m sure you already know! I have taken all the right safety steps to get where I am today, and now I’m just plain excited! WooHoo!

[Author]

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