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Hello everybody,
I was one of the first in Illinois to place an order on the zx4rr and was able to secure one of only 2 that my preferred dealer received. I think now all of them are sold out for the area at least. I was hoping to get some input on what people are getting for insurance on this bike because I am paying a crazy high amount for the one I got. I have progressive and this is not the only bike I have insured, no accidents history, multiple year customer.
thanks in advance
-m
 
$118 a year for what coverage? Liability? What limits? Uninsured motorist? Collision? Comprehensive? What deductibles?
Discussed last month--
Details in post.
 
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.
My State Farm agent got me full coverage with $50 deductible for $46 a month.
 
Discussed last month--
Details in post.
Mine is full coverage too, but with a $50 deductible. They wouldn’t do the $0 deductible like I have on my pickup.
I saw answer to my questions in the linked post.
 
Exactly, amirite? I'm sitting at $440 and I've technically still only got my "learners" license here. The extra performance isn't worth the penalty. I had a buddy say that every R is $1000 in insurance and I feel like this bike is a bargain for what you get. What a machine to ride. I've put 175 miles on in the past 2 days and it's unreal fun.
I agree, you get the unique opportunity to learn on a very capable out of the box motorcycle.
Train, train, train would be my advice to any new rider.
Train today, so you don't die or bleed tomorrow and discourage the new generations from riding motorcycles.
You represent a very small portion of the population simply by riding a motorcycle.
Discounts are available with the insurance companies for certain rider training programs(MSF stateside).
In full disclosure, I have issues with parts the MSF curriculum(slow, look, lean, and roll).
I trail brake on the street. Track too for the most part.
If there is no discount for a program, you should do parking lot practice drills anyway.
Motojitsu is a youtube channel I would recommend, his drills are pretty good.
If you can't do the white belt drills, stay in the lot until you can IMHO.

I would also highly recommend that you do YCRS Champ School. It is 50-100 bucks depending on how much they are discounting at the moment.

I get decent rates on insurance because I am a grey beard with a lot of vehicles/motorcycles and lot of time with the insurer.
Youngsters like you tend to drive rates up(not pointing at you specifically), so the demographic needs to learn to quit crashing!
Gear and training is a much better initial investment than the exhaust/flash/suspension/brakes, etc.
Do a track day or two if you really want to become a better street rider.
 
progressive, multi bike policy, multi year policy holder
46 years old, 29 year riding history, wife on policy 43 y.o., 20 year riding history

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I actually had to completely redo my policy to make it this low with less coverage than I usually take.
 
Westchester, NY. Had to go with Geico as my home/auto does not insure motorcycles so no multi line discount. $850/annually, 300k liability and $1000 collision/comp deductible. It’s high but so is everything in NY.
 
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 :).
 
The much higher premium for the 600’s over the 400’s is what really helped me with the decision to get the ZX-4RR. The 600 was almost three times as much as the ZX-4RR.
 
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.
 
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