Dunno what it is. Dunno the theft rate of F4is but I imagine its up there since they make great stunt bikes. Had a guy stop on the road while I was washing mine to check that it wasn't his.

Your bikes are definitely affecting the cost too, Trout. Multi-vehicle discount plus the KBB value of those bikes are prolly making a difference. And yeah, you live out where theft is discouraged via caliber

 

Im going to look into the rider insurance. I hate to not have full coverage on something that I have 5 grand invested in.

 

They're definitely not a nationwide mega-insurance corporation. May have an effect if it ever comes down to making a claim (most likely time). But getting an online quote only costs you time.

And so long as they pay out, I'm patient. Gives me time to look for a replacement

 

1664 per year, 139 a month through rider.com.
I guess I will be sticking with allstate for now

 

Yikes! That's really strange. Wonder what's causing the difference. Wish someone would explain insurance rates one day.

 

State Farm, two bikes (plus car and renter's) full coverage is $55 a month.

She sounds kind of ignorant when it comes to insurance rates for bikes. Sport bikes are expensive for one reason: they are expensive to repair. And with the unfortunate nature of motorcycles, when you file a claim, you're usually gonna need to replace a bunch of stuff. When a brand new OEM fairing costs $3-500, that kind of stuff adds up.

 

My insurance for the F3 was fine, until someone in the business decided we should be classified as "Sports". It's the same here though, statistically it's the young guys/gals that are having more stacks, not just with bikes, but cars, sure you are probably a good rider, but it's the bone heads that are making you get the raw deal. But it does pay to shop around. Besides, when you get to be an old fart (like me) the insurance premiums go down dramatically. I pay $272.72 (Aus) a year comprehensive agreed value

 

21 year old male
No accidents
2009 CBR600RR

For full coverage i pay 231 a month. But here in louisiana we have some of the highest rates in the US. A quick google search showed the average males pays $2,487 a year and a female pays $2,186 a year.

Id be happy to trade with any of you. lol

 

I have State Farm, and I was deciding between getting a Kawasaki 650R vs a F4i.
The 650R because it was May already and I was desperate to get back on 2 wheels after a two year break... first child and all.

My agent said the 650R is more expensive to insure because it has more cc and hence more powerful.
I tried explaining to them that the 650R has ~72 HP vs the F4i's ~92HP but apparently that's State Farm's policy!!

I'm glad the 650R got sold to someone else and I got the F4i.

 

I also have State Farm. Since they apparently go by engine size I told them it was 999cc (according to the specs) on my 1000RR. I'm paying $470/yr for full coverage.