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4RR vs 6R, Insurance

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17K views 49 replies 23 participants last post by  mcclsha  
#1 ·
ZX-4RR.. Not only for the fun factor, but also for the cost of ownership.

Called my insurance agent (mom) and got a quote for each (Houston / State Farm).

ZX-4RR = $57 a month
ZX-6R = $126 a month

This ultimately made my decision to pull the trigger on the ZX-4RR.
 
R
#37 ·
I have full coverage from USAA/Progressive with $1,000 deductible, comp and collision with $0 deductible plus all the other stuff like uninsured, pip and $3k accessory coverage all for $215/yr or $17.92/mo with multi bike discount and some other discounts.

I pay $364/yr all in for 3 bikes and one of the others is also full coverage and one is bare minimum.

Its really affordable :).
 
#40 · (Edited)
I went with Geico, i think it was 725/year.
1k deductible for both collision and comp.

I have everything else with progressive and it was still a bit over 400 dollars extra a year, so i just left it with gieco.

Clean record but only 1.5 year riding history.

For reference, I quoted an R7 and a ZX6R with progressive and they were both around 1200/year with the R7 being a bit cheaper. I wanted an R7 but the insurance 100% sealed the deal to get the ZX4RR. I do not ride a whole lot, so i didn't want to pay over 1k a year to only ride 1000 miles.

I had to edit this, apparently Gieco had reviewed my policy and added 300 dollars a year. Not too happy about that but still cheaper than progressive. It came in about the same price that a ninja 650 was going to cost me and still almost half the price of a zx6 or the like.
 
5
#42 ·
That's about what I'm paying at $1400 for the 4RR and the Ninja400.
$1,000 deductible on everything for the 4RR and basic under insured motorist with uninsured motorist for the Ninja400.

I've got the MSF course certificate, 2 day Champ School certificate for their riding school, and 4 Smith System defensive driving certificates and Prigressive would not give a discount for me even though I've been with them for years.

No accidents that were my fault and a clean driving record and I'm still having to pay $1,400 a year for the bikes. 🤬

All the money I've spent on any kind of insurance over my lifetime would've made me a wealthy man.
Such a scam when you're never injured, sick, and know how to drive safely. 😏
 
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