2011 Ninja 1000 (ZX1000G) Insurance

Discussion in 'Road Warriors' started by Rhino, Nov 16, 2010.

  1. Croak

    Croak Been here awhile

    Joined:
    Jun 29, 2008
    Oddometer:
    529
    Location:
    Vancouver, BC/Is-Swieqi, Malta
    What is this "shop around" that you speak of? :)

    Here in the British Columbia, we have the Insurance Corporation of British Columbia, a "Crown corporation" run by the government.

    Thanks to that, my 200k liability only coverage on my Sprint is nearly twice as high as the OP's full comprehensive quote on the Ninja 1000. If I wanted the same coverage he has, it would be four times the price.

    I'm 46, clean driving record. Good news/bad news, ICBC doesn't rate on bike model, just displacement ranges. I'd get the same rate for a ZX-10 or GSXR-1000 as I do the placid Sprint ST.
    #21
  2. Gas Hog

    Gas Hog Two Wheel Fanatic

    Joined:
    Dec 31, 2008
    Oddometer:
    1,108
    Location:
    Beachside on the sand
    Sock Monkey,
    State Farm and its a little hard to read on the part I scanned but its full coverage. Funny thing is since I posted that I shopped all of my bike coverage and Dairyland kicks the crap out of St Farm ...
    by almost half..:eek2
    Except for the Multi Strada. For some reason they are $400ish on that one.
    Weird for sure..just shows you have to shop..unless you are in Canada.
    Apparently there you just bend over and take it like a man.. :photog
    Gary
    #22
  3. doublen

    doublen Been here awhile

    Joined:
    Jun 6, 2009
    Oddometer:
    260
    Location:
    Idaho
    Try Geico, I get a great rate on my Street Triple through them. I've also heard it's a good idea to switch companies every 5 years or so to keep the rate low.
    #23
  4. NDTransplant

    NDTransplant Been here awhile

    Joined:
    Jan 24, 2010
    Oddometer:
    446
    Location:
    Casa Grande, AZ
    My quote through Progressive was $1100.00/year......

    A new 2010 Concours 14 w/ABS was around $300.00/year. I guess they must figure that only old geezers ride a Concours!:rofl

    Got to ride a 2011 Ninja 1000 at AZ Bike Week; very nice ride indeed.
    #24
  5. doublen

    doublen Been here awhile

    Joined:
    Jun 6, 2009
    Oddometer:
    260
    Location:
    Idaho
    Yup, I ran into this problem when getting quotes for my Triumph Street Triple, most of the insurance companies clumped it together with the Daytona (Same bike mechanically) supersport and the insurance cost was similar because of that. But finally I discovered Geico had their facts straight and the rate was about $1000/year different. :clap
    #25
  6. lake_harley

    lake_harley Been here awhile

    Joined:
    May 25, 2009
    Oddometer:
    683
    Location:
    Uniontown, MO
    + (insert number) on Dairyland Ins. A couple years ago I called every MC insurance carrier that had advertised in Cycle World magazine in the previous couple months. Dairyland's rate was quite a bit lower than any other quote I was given. At the time I think we had 4 bikes in the garage, including one (500 Ninja) that my 18 year old son was listed as the primary rider.

    Lynn
    #26
  7. Uncle Pollo

    Uncle Pollo Long timer

    Joined:
    Jun 1, 2006
    Oddometer:
    48,744
    Location:
    Albuquerque, Neue Messico
    get a beat up r80 and pay 140 dollars a year on liability only
    #27
  8. JSharp

    JSharp Been here awhile

    Joined:
    Jan 25, 2011
    Oddometer:
    275
    Location:
    East Central IL
    I checked about 5 different companies and the prices were from around $800 per year to over $2000. That includes Progressive, Dairyland etc.

    State Farm was $309 but I had to move one of my cars to them which cost me another $150 or so vs. my previous company. Adding that on, $459 total for $500 deductible is still just a little more than 1/2 of the next lowest quote.

    One of the reasons these bikes are expensive to insure right now is because they're new and have no history. So the ZX xxxx serial number sequence gets used to throw the bike in with the ZX10R's and other ZX's.

    Maybe if us old guys that are buying them don't crash them or have then stolen, we'll see the rates drop in a few years. I wouldn't count on it though...
    #28
  9. tremor38

    tremor38 Long timer

    Joined:
    May 30, 2006
    Oddometer:
    1,472
    Location:
    Japan
    I could tell you you're way off subject, but I guess there's always one in the crowd.
    #29
  10. doublen

    doublen Been here awhile

    Joined:
    Jun 6, 2009
    Oddometer:
    260
    Location:
    Idaho
    That and if you're paying that much for liability you're getting hosed. Liability would only be $122/yr on my Street Triple. I only pay $260/yr for full coverage on that bike anyway.
    #30
  11. Cheap Weenie

    Cheap Weenie Adventurer

    Joined:
    Oct 29, 2010
    Oddometer:
    19
    Location:
    Jonesboro, AR
    Congratulations. I pay $200 for a nearly new ZX10. :deal
    #31
  12. DieselDog

    DieselDog Adventurer

    Joined:
    Mar 7, 2004
    Oddometer:
    56
    Location:
    SoCal
    I have a N1K and for full coverage and it added $229 to the policy for the fifth bike insured. I have it listed as a pleasure bike, 3K miles per year and no passenger insurance, no health coverage and $500 deductible. Within a week after purchasing the N1K, I sold a KLR and a KTM and dropped those from my policy and the total outlay was $59 with credits for the two sold bikes. Next year I will expect a full $229 or inflation incremented. I may have to up the mileage because my first month I owned it, I put over 1000 miles on it.
    #32
  13. themocksta

    themocksta Lost in this place

    Joined:
    Aug 27, 2010
    Oddometer:
    87
    Location:
    Interior Alaska
    '10 Z1000 = 500 full coverage per 6 months with allstate

    24 year old - no tickets - no accidents - no other policies (everything else is USAA)

    Allstate considers it to be a standard - not a sportbike :deal
    #33
  14. kz1000ken

    kz1000ken Adventurer

    Joined:
    Jun 15, 2009
    Oddometer:
    81
    Location:
    Mass uh choo sits
    Another perspective. This is not a BMW or a Triumph, it is a go fast Kawasaki.
    It is a Ninja for people who have ridden Ninja's all their life, and now want comfort too.
    It's not a touring bike, a real sport touring bike, or a standard.

    It has the curb appeal of a "real sportbike". Not an expensive, exotic "yuppie" bike. You ride this thing
    like it was stolen, and you park it at "The Spot" and it says Ninja on the side of it.

    If you want a sleeper, a sport tourer, a sporty tourer, go buy one. But they scream "Im not a real sportbike" with the
    giant exhausts, oversized seats, tall suspension, huge bags that when removed look odd.

    This bike fixes the "It doesnt look like a real sportbike, and sport riders don't want a RT / Connie / ST " when they park it at the beach next to the other "squids"

    Kawi did right by this bike for what it is. Its a Kawasaki Ninja, A real honest to jed Kawasaki Ninja with all the cred that goes with it.. not an old man's Honda ST1300.

    zoom zoom
    #34
  15. CheesyRider

    CheesyRider Been here awhile

    Joined:
    Aug 13, 2010
    Oddometer:
    513
    Location:
    White Bear Lake, MN
    I'm curious if anyone has noticed if the price of insurance on the Ninja 1000 has gone down at all. I checked into it last winter and the only place with a decent price was State Farm. But, I would have to switch over my cars to get the good price and they charged way more for the cars. Do the insurance companies realize yet that this isn't a ZX-10?
    #35
  16. JSharp

    JSharp Been here awhile

    Joined:
    Jan 25, 2011
    Oddometer:
    275
    Location:
    East Central IL
    The rates may go down depending on how many get crashed or stolen. Sooner or later there should be enough history that they can come up with more accurate rates. I also think there are a few companies like Progressive that just don't want to insure any kind of sport bike so they jack the rates so high they won't.

    Kawaski caused the issue in the first place giving the bike a ZX serial number sequence...
    #36
  17. arshishb

    arshishb Been here awhile

    Joined:
    Dec 5, 2006
    Oddometer:
    875
    Location:
    Edison, NJ
    They should have just called it Samurai 1000 or something. Too many Ninjas in their line up with conflicting identities.
    #37
  18. merc16

    merc16 Been here awhile

    Joined:
    Nov 26, 2008
    Oddometer:
    332
    Location:
    West Blocton,Alabama
    2013 Kawasaki GPZ 1000

    :clap
    #38
  19. opmike

    opmike Choosing to be here.

    Joined:
    Sep 11, 2011
    Oddometer:
    351
    Location:
    Southeast, US
    Or Z1000SX like everywhere else.

    The damn thing is a fully faired Z1000 for the most part. The name "Ninja 1000" is beyond idiotic.
    #39
  20. Blakebird

    Blakebird r-u-n-n-o-f-t

    Joined:
    Feb 7, 2004
    Oddometer:
    16,861
    Location:
    Parker, CO
    It's the ZX1000GCF in the U.S. (2012)
    #40