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11-14-2012, 05:23 PM
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#31501 |
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Gnarly Adventurer
Joined: Aug 2008
Location: KY
Oddometer: 171
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Wow ! That is just nuts. I wonder if insurance companies have the slightest clue what they are doing.
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Paul 08 DL650 08 WR250R No one can see you posing in a blizzard. |
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11-14-2012, 05:56 PM
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#31502 | |
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Curmudgeonly
Joined: Nov 2003
Location: New Philadelphia, OH
Oddometer: 8,935
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Quote:
Of my bikes, I only have full coverage on my Tenere due to the loan, but adding the WR to my policy with liability, animal strikes, and fire / theft coverage was... $12 a year.
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"A man turns his back on the comforts of home... to ride off alone, and when the dust all settles and the story is told, history is made by the side of the road" -DBT, Monument Valley |
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11-14-2012, 06:18 PM
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#31503 |
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Studly Adventurer
Joined: Aug 2006
Location: Carnation, WA USA
Oddometer: 758
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None of these numbers are comparable to one another. Everyone's insurance profile and history are different, and different insurance companies have different risk profiles and loss histories. For example, my insurance is always high, to cover the gap between normal limits and a business-derived umbrella cap.
The only way to know if a WRR is expensive or cheap to insure is to work with your agent and get an apples-to-apples quote for a wide variety of motorcyles. Use the same liability limits, un / under-insured and medical limits, same collision and comprehensive limits. I can get quotes on-line from my insurance company. Every January I get quotes for 20-30 motorcyles of various types and model years (back to a 1990 CB-1 and a 1998 YZF-600R, which I used as reference points). Each year, the premiums change a little, generally trending downward as bikes age. Supersports and Hypersports cost the most for me; DS bikes and that old CB-1 are the cheapest. Also note that it can take a year or two (or five) for some insurance companies to get a "new" bike into the correct risk/loss category. For 5 years, my quoted premium for a Sprint ST was the same as a GSX-R1000. Finally it is now in the correct category - at about half the cost. Also, a WRX is twice the price for me as the similar WRR, due to the risk profile of a street bike (same premium as a Ninja 250) versus that of a dirt bike (same premium as a CRF230L, despite very different purchase / replacement costs). Insurance is complicated. You must use an apples-to-apples approach for comparison with only your company. You have to do it twice to cross-shop companies. Welcome to 21st Century America. Have fun and stay safe.
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1990 Honda NT-650 Hawk-GT Never doubt that a small group of thoughtful, committed citizens can change the world; indeed, it's the only thing that ever has. - Margaret Mead
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11-14-2012, 07:50 PM
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#31504 | |
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Gear addict
Joined: Apr 2010
Location: Northern Sierras
Oddometer: 592
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Quote:
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Dan 2010 BMW F800GS, 2011 Yamaha WR250R, 2011 Honda Ruckus, 2013 KTM 500 EXC Up the WABDR, F800GS Stealth Bike Build, WR250R Scotts Damper Install Red dirt, rocks and sand; Riding the southern UTBDR, WR250R vs EXC 500 - a comparison |
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11-14-2012, 08:41 PM
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#31505 |
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Gnarly Adventurer
Joined: Feb 2011
Location: Collinsville, OK
Oddometer: 354
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11-14-2012, 08:44 PM
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#31506 |
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Gnarly Adventurer
Joined: Jun 2009
Location: CT
Oddometer: 289
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__________________
WR250R - perhaps the ideal motorcycle for myself Throw in a passenger and I'm unsure of what I'd consider ideal. Maybe a Multi? I am now for sure sold on the Dual Sport style bike. Keeping the Vulcan for now. The ladies seem to love it.
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11-14-2012, 09:10 PM
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#31507 |
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Gnarly Adventurer
Joined: Feb 2011
Location: Collinsville, OK
Oddometer: 354
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11-15-2012, 02:49 AM
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#31508 |
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Gnarly Adventurer
Joined: Apr 2009
Location: Above 7200 ft.
Oddometer: 366
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11-15-2012, 05:50 AM
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#31509 | |
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Adventurer
Joined: Mar 2009
Location: San Pedro, CA
Oddometer: 67
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Quote:
This was my first year on a motorcycle and only third year with endorsement and I am sure the insurance computers that know everything about me know it. Hoping it will go down at some point. |
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11-15-2012, 06:11 AM
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#31510 | |
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Southern Ontario
Joined: Feb 2008
Location: Toronto, Ontario
Oddometer: 2,075
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Quote:
You are probably correct since you tried it yourself, just saying... |
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11-15-2012, 07:07 AM
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#31511 |
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coresports
Joined: Aug 2011
Oddometer: 100
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11-15-2012, 07:31 AM
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#31512 | |
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Professional nOOb
Joined: Aug 2006
Location: Oneida, Tenn.
Oddometer: 350
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Quote:
That is what I needed to find out before doing another this farkle don't fit with that farkle mistake; (Lot of experience with that problem on my KTM 990) Does anyone sell a large area flatplate rack for the rear that just uses the 4 top threaded bolts like the pro moto racks? I'm trying to get a wider mounting surface than the smaller triangle shape racks to support a medium size ortlieb bag and camping gear. Yes you can use the small triangle racks, but I'd like to try for a little more support and attachment points.
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My Odyssey: http://www.advrider.com/forums/showthread.php?t=566875 2011 WR250R,2008 KTM 990 ADV,2004 KAWA Concours May the Lord bless you and keep you in all the Dark places you must travel
pfy50 screwed with this post 11-15-2012 at 07:37 AM |
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11-15-2012, 08:15 AM
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#31513 | |
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Not Dr. Who...
Joined: Oct 2008
Location: Betwixt Heaven and Hell
Oddometer: 1,080
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Quote:
I have their triangle rack and it's worked great for my needs. They don't include attachment bolts though. When I bought mine it didn't come with spacers either but I see they include them now. |
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11-15-2012, 08:19 AM
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#31514 | |
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Gnarly Adventurer
Joined: Sep 2011
Location: lakewood, co
Oddometer: 156
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ktm windscreen
Quote:
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- DR650 - WR250R times 2 |
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11-15-2012, 08:22 AM
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#31515 |
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Ducati Monster. EVO.
Joined: Nov 2004
Location: Anaheim, CA
Oddometer: 916
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So with the demise of the rear Pirelli MT16 tire (it didn't stand up to 200 miles of highway at 80 mph, shedding knobs and spliting knobs.) I've opted to go with the following:
Pirelli Scorpion XC Mid-hard. According to Pirelli it's a DOT tire rated to 100 mph. First comments: The rear knobs are definitely harder rubber than the MT16 and shorter. The tire carcass is also much, much stiffer. Not really any heavier, just stiffer. The Front tire - I'm sure if I should be impressed or frightened! The knobs are smaller, wider spaced than the MT16 and a harder rubber. I truly believe that street riding is going to be heavily impacted - that the front tire's going to be pretty sketch at speeds over 65. That it's supposed to be good to 100+ mph, LOL! I'm not going to go that fast! I'll post up in a couple weeks on other thoughts. I'll get them mounted and reviewed in a week.
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2011 Yamaha WR250R 2012 Ducati Monster 2007 R1200GS (Sold) IBA # 20880. STFU and Ride. |
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