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Sport bike insurance, for Honda CBR, Kawasaki ZX, Suzuki GSXR and Yamaha YZF, explains the three types of major insurance coverage, how to reduce your insurance premiums and the advantage of working with a motorcycle centric insurance agency.
All motorcycle insurance companies will offer Liability, Comprehensive, Collision, Medical, Accessory and Towing insurance coverage for a sport bike motorcycle. If a motorcycle insurance company offers a quote that is greater than 40% of the cost of the motorcycle, the insurance company is not interested in insuring the motorcycle.
Liability only - All motorcycle insurance companies will offer Liability only insurance coverage, resulting in premiums between $46 to $460 (young rider, bad credit, with tickets in a populated county) or more per year.
Liability and Comprehensive - Fewer motorcycle insurance companies will offer an "affordable" Liability and Comprehensive (theft) insurance coverage. Liability and Comprehensive insurance coverage (fire, flood, theft and vandalism). If a motorcycle is stolen and then recovered, more often then not, the motorcycle will be heavily damaged in the process. If the motorcycle is not recovered then the insurance company will pay Actual Cash Value (blue book) for the unit minus the deductible of $250, $500 or $1,000. This is the recommended coverage, is "full coverage is not affordable.
Liability, Comprehensive and Collision - Even fewer motorcycle insurance companies will offer an "affordable" full coverage, for a sport motorcycle. The Collision insurance coverage is typically the most expensive aspect (up to 60%) of the insurance policy. For example, if a "full coverage" sport motorcycle insurance policy is $1,000, the Collision insurance coverage will be up to $600. The Comprehensive insurance coverage will be up to $250. And the Liability will be between up to $150. Selecting a $1,000 deductible for Comprehensive and Collision, will lower the premium up to 30%. With the cost of a new sport motorcycle between $9,000 to $15,000, the Collision insurance coverage makes sense.
A motorcycle centric insurance agent will quote with a carriers offering an affordable coverage for a sport bike motorcycle, thus saving the rider from spending more than needed.
A partial list of sport bike motorcycle manufacturers and models.
Aprilia - RSV 1000 R, RSV 1000 R Factory, Tuono 1000 R Factory, Tuono 1000 R, SL 750 Shiver
Benelli - TNT Cafe Racer 1130, TNT Sport 1130, Tre 1130K, Tornado Tre 1130, Tornado Naked Tre 1130
Bimota - DB5 Mille, DB5R, DB5S BiPosto, SB8K, Tesi 2D, Tesi 3D
BMW - K 1200 S
Buell - 1125R, Firebolt XB12R
Ducati - Desmosedici RR, Superbike 848, Superbike 1098, Superbike 1098 R, Superbike 1098 S
Fischer - MRX 650
Honda - CBR 1000 RR, CBR 600 RR, Inteceptor VFR800
Hyosung - GT650
Kawasaki - Ninja ZX10R, Ninja ZX 14, Ninja 250R, Ninja 500R, Ninja ZX 6R, Ninja 650R, Z1000 ZZR 600
KTM - Super Duke 990
Moto Morini - Corsaro 1200
MV Agusta - F4-1000 Senna, F4-1000R, F4-R 312
Suzuki - B-King, GSX650F, GSXR 1000, GSX1300R Hayabusa, GSXR 600, GSXR 750, SV650S
Triumph - Daytona 675, Daytona 675 Special, Street Triple 675
United Motors - V2S 250R, V2S 650R
Yamaha - FZ1, FZ6, YZF-R1, YZF-R6