[oeccscclhjhn]

Originally Posted by aggrofish

Then explain how certain brands of motorcycles with the same displacement, costing twice as much, have lower rates?

that's what they will have you believe. more blood from the stone, why, because you will pay it (because you want the bike). they don't have detailed statistics as to how the exact cost / loss analysis for all policy holders per size of bike to payout, because it's detrimental to their business model to even think about providing this. you pay what they say. period.

[aggrofish]

Originally Posted by f.2

that's what they will have you believe. more blood from the stone, why, because you will pay it (because you want the bike). they don't have detailed statistics as to how the exact cost / loss analysis for all policy holders per size of bike to payout, because it's detrimental to their business model to even think about providing this. you pay what they say. period.

Yes, you are correct billion dollar companies are just guessing - they have no hard facts and/or statistics. We will also disregard the fact that I've had insurance on the following bikes and that the example I gave you is factual. I could probably dig up records to prove it, but that's too much work:

Honda Nighthawk
kawasaki Ninja 250
Honda VF500
Honda f4
Honda F4i
Honda CBR 900
Honda CBR 929
Honda CBR 954
Ducati 1098

[oeccscclhjhn]

Originally Posted by aggrofish

Yes, you are correct billion dollar companies are just guessing - they have no hard facts and/or statistics. We will also disregard the fact that I've had insurance on the following bikes and that the example I gave you is factual. I could probably dig up records to prove it, but that's too much work:

Honda Nighthawk
kawasaki Ninja 250
Honda VF500
Honda f4
Honda F4i
Honda CBR 900
Honda CBR 929
Honda CBR 954
Ducati 1098

having owned many bikes and insurance company premium pricing schemes do not have a direct correlation nor do they explain why you pay this much for insurance on bike a or this much on bike b.

i've only owned 3.

of course the msf course was mandatory, and i think i got a discount for that.

honda hawk CB400T, 1980
honda nighthawk 750
kawasaki KLR650

[aggrofish]

We will agree to disagree. Everything is factored into the price. Model/displacement/theft of said model/claims on said model/ your driving record/time you've had your M1, etc.

I dont think you're giving the insurance companies enough credit. Do they gouge you? Sure. but there's some scientific data behind it to at least back it up.

[CornersLow]

Originally Posted by aggrofish

It's not coincidental that the insurance on my Ducati is less than it was on my Honda. It's because less squids can afford a Ducati. The bike attracts a more "mature" crowd that have less accidents. Again less claims equals lower rates, fact.

Which model Honda to which model Ducati?

[aggrofish]

Sold the 954 and got the 1098. Kept the insurance through Progressive.

[V2thunder]

I would love to see law enforcement do a crack down on crime.

[MSchu]

Graduated licensing should be a major component to the proper training and growth of ANY perspective new rider, there is NO question here.

there is one factor above all else that contributes to a riders survivability and skill set competence... and that would be Seat time. the longer a rider spends in the seat, the greater his survivability becomes and the greater his skill sets become. This idea doesn't preclude bad judgement where a rider becomes overly confident and there take increased risks, but there is no argument that more seat time equals a safer more competent rider. Introducing a graduated license arrangement causes riders to have to invest time in the sport at lower levels where the accidents can be much less terminal or of lessor effects. In fact, some riders may not even be inclined to continue riding once they get the actual taste of what it's like out on the open road, making them curtail the initial investment would be a good thing as it limits financial impact as the perspective rider begins to learn the skills needed for long term survivability.

There are basically two types of riders... those that have been down, and those that WILL BE down. legislating that riders put in time on lower CC'ed motorcycles means that when they do go down, the resulting incidents will be, for the most part, of a lower consequence when averaged... both financially and physically.

In as far as the insurance issue goes... there is a HUGE difference between a 1000cc Sportbike and a 1000cc cruiser. it's a completely different discipline and riding style... therefore insurance rates CAN NOT and should not be comparative. you can say that they both ride on the highway therefore they should be equal based on displacement, but they are not equal... they are completely different in both a riders approach and resultant riding event.

While I don't currently have a bike(I've been eyeing a Tuono v4)... I am still good at wrenching agro
there is no good riding out here that I have seen, I need curvy roads.. if you were riding back in cali, I am sure we chewed some of the same pavement.

My last stable before moving...



My pride and joy... Aprilia Nera

[Clarkcty]

Im just glad the NV legislature did not pass the lane splitting bill. Not that it'll stop motorcyclist from weaving between lanes. It's bad enough we have to deal with horrible drivers here. Some proponents say the bill will make the commute for motorcyclists more comfortable especially during Summer allowing them to move in between lanes when traffic is at a stop or when traffic is moving really slow but the bill does not really matter since motorcyclists do it anyway.

[unf0rgiven6262]

Originally Posted by Clarkcty

Im just glad the NV legislature did not pass the lane splitting bill. Not that it'll stop motorcyclist from weaving between lanes. It's bad enough we have to deal with horrible drivers here. Some proponents say the bill will make the commute for motorcyclists more comfortable especially during Summer allowing them to move in between lanes when traffic is at a stop or when traffic is moving really slow but the bill does not really matter since motorcyclists do it anyway.

Yep. I hate to say it but only about 25% of the motorcyclists I see on the road drive with any semblance of safety. I've also never known anyone who's owned a motorcycle who hasn't crashed it at some point.