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Sport bike insurance...Ouch
catpealer111
Member Posts: 10,695
Just paid my cycle insurance for the year, thank you government for the tax advance(stimulation check). With the addition of the TL to my cycle fleet, my insurance went up from $150 a year with just the GS to $650 a year with both. It probably doesn't help that they're both 1000cc motorcycles[:D][:D]. I'm just glad I'm 25, I'd never been able to afford a sport bike (crotch rocket for all you haters) when I was 18. Hey, at least it's only once a year it has to be paid.
Comments
I also wrench.
True that and they both have collectors interest. The GS was the fastest production bike when it was new and the TL was produced for a short amount of time, plus they're both first year bikes of each model.
Should've gotten a TL1000R
I wasn't looking for a bike when I bought it, I was in the dealership asking about parts for the GS. The TLS was too good to pass up. Plus I don't like the look of full faired sport bikes, especially the TLR, it just looks bulbous. The TLS has enough power to make you crap your paints while riding.
Bates had a GS1000 in the salvage list the other day when I was looking for parts to put the wreck back together.
http://www.batescycle.com/i_suzuki.shtml
Bottom row, next to last column. May keep him in mind for another source.
He calls his insurance agent and finds out it will be big bucks to insure the Busa. "Richard Cranium" then decides he is going to self insure since he will never wreck it. Well in early April he is riding with a couple buddies, takes off from a light and proceeds to total the bike. Serious road rash and 3 broken ribs. Lucky he had a helmet on or he wouldn't be with us today. Bike is totaled and he is out 12K.
You made the right decision
They should charge 10,000 for insurance for the rice rockets, there are at least three deaths a week not a mile from here each week. the is a sports bike place there and they all think they are the best trick riders in the world.. Seen one last week, wheelie in traffic, over backwards, that semi did a number on him.. [:(]
Yeh, Florida is the worst I have seen. Both for Bike riders and also car drivers. I had 4 bikes when I moved to Fl 4 years ago. After two years here I sold them all. The drivers around here scared me off the road.
They should charge 10,000 for insurance for the rice rockets, there are at least three deaths a week not a mile from here each week. the is a sports bike place there and they all think they are the best trick riders in the world.. Seen one last week, wheelie in traffic, over backwards, that semi did a number on him.. [:(]
I'm just making a guess here, but for every idiot rider on a sport bike, there's probably two that are level headed and don't do stupid crap. THe previous owner of my TL was in his 50s and had to give it up becasue of a stroke. Granted I'm only 25 and in the prime age range of idiot rocket riders, but I know first hand what happens when things go wrong on bikes. 4 years ago I was nearly killed when an elderly driver cut me off on a 4 lane highway. I was doing the speed limit, he darted out in front of me and I had enough reaction time to get my speed down to 50 mph from the 70 speed limit. Am I lucky to be alive? Hell yes. But, I didn't let that incident stop me from ridding. I was an observant rider then and I'm even more so now. I still have the bike I was nearly killed on and I still ride it, granted after a complete rebuild, and on top of that it's faster and more powerful now than it was then. I bought the TL becasue of it's rarity and because it's handling and braking capabilities are light years ahead of my old GS. The one thing I remind new riders about when I meet them is the throttle is variable. The bike will only go as fast as you make it. If you get nervous, slow your * down and ride in your comfort zone until you build enough skill to push it harder. I'm far from a great rider but I know my limits and I know what my machines are capable of. When I take the bike too far past what I'm comfortable with, I slow my * down. The idiots you speak of do not have this self critiquing portion of their brain becasue they are in fact idiots. It's cold of me to say, but I don't feel sorry for people who injure or kill themselves on a bike due to lack of self control and the inability to recognize that they are way over their head. I must add that I do feel sorrow and sadness that these idiots will probably end up taking out an innocent person due to their non functioning brain. On the flip side, I have no tolerance for retarded auto and truck drivers who think they're god and don't look anywhere but straight ahead while driving. My God people, if you didn't see that motorcycle at the intersection, how the hell are you going to see someone's child or someone's pet that got loose?
Rant over.
But, I'm a Brit Snob (now that the Ducs are all gone)
Who'd have thought that anyone would use the words Suzuki and Collectors in the same sentence?
I like it that Suzuki is regarded as the bottom of the Japanese "Big 4." They're the underdog and believe it or not, they do make some great bikes.
Insurance premiums are based on risk assessment. I pay $314/yr. full coverage on a 2007 Ultra Classic. I'm 54 and haven't had a ticket or wreck in 30 years. When you can get cheap motorcycle insurance, you're almost too old to ride.[:(]
Age has some impact, but I believe the rates are also based on the claim history for that bike and the size of the motor of the bike.
I paid $300/year for my Harley and when I bought a triumph speed triple and added that to my policy I paid an extra $500/year for that bike. And the speed triple costs less than 1/2 of what the Harley did. That was at age 42.
quote:Originally posted by iceracerx
Who'd have thought that anyone would use the words Suzuki and Collectors in the same sentence?
I like it that Suzuki is regarded as the bottom of the Japanese "Big 4." They're the underdog and believe it or not, they do make some great bikes.
Maybe I should have said Japanese? Short of the ultra rare GP bikes from the 60's and the early factory MX'ers from the late 60's I don't think the Japs made a "collectible" production bike.... but to each their own... it's a BIG world.
I've owned bikes from Honda, Yamaha, Kaw and Suzuki, not to mention Bridgestone and Fuji. I can still get parts for my 1955 BSA Goldstar, yet can't get engine parts for a '73 Honda XL250. Which is more collectible?
I live right in the heart of the "Stunt" riders, like I said at least three a week killed right up the street from me.. Take your stunt crap to the track or someplace off the road but these idiots do it out here on a highway that is jam packed with traffic from dawn to dawn.
YES!
I live right in the heart of the "Stunt" riders, like I said at least three a week killed right up the street from me.. Take your stunt crap to the track or someplace off the road but these idiots do it out here on a highway that is jam packed with traffic from dawn to dawn.
Don't discourage them. That is quality population control, or thinning out the weak.