Insurance, what would be more?

So I'm looking at a KZ750 L4 and I'm falling in love with it. I really like the zrx and zxr models but all I can find around here are 1100s and 1200s which are awesome but I'm 23 and have had my license for less than a year. I'd love to find a zrx400 but Ill be damned if I could ever get one without importing it.

Anyways my question is, would it be cheaper to insure the 84' KZ750 or say a 06' R6? As if I dont go with the old KZ Ill be going for the other or similar 600 sports bike.

PS. I'm not by any means new to bikes or mechanics, Ive been riding since I was 3 and can/will work on and/or rebuild anything if so required.

Thanks

Where I live the KZ would be cheaper, but where you live it may not. Your best bet is to call an agent nearby. I'm sure most of them will be happy to give you a quote.

For me being 20 at the time I got my license the R6 was way more expensive to insure, It's generally at a greater risk of being stolen because it's a more desirable bike. Even though the KZ750 is a higher cc the R6 is a supersport meaning it's more powerful making it more expensive to insure

I took TexasKZ's advise and called for a quote. Although the insurance company I called has a huge bias against anyone whos under 25 (statefarm) and their numbers would be higher than Id pay somewhere else they would still be able to give me an idea of the difference between the two.

The R6 would be $245/mo
The KZ750... $310/mo wtf!

Also that liability only, basic minimum coverage.

Might as well get the R6, stupid insurance

I use progressive for motorcycle insurance. I'm 22 now and only pay 350 a year (liability only). State farm in my area wouldn't even insure my kz550.

Mr.Cool wrote: I took TexasKZ's advise and called for a quote. Although the insurance company I called has a huge bias against anyone whos under 25 (statefarm) and their numbers would be higher than Id pay somewhere else they would still be able to give me an idea of the difference between the two.

The R6 would be $245/mo
The KZ750... $310/mo wtf!

Also that liability only, basic minimum coverage.

Might as well get the R6, stupid insurance

I'd stay away from Allstate and State Farm and their ilk. I'm insured with SafeCo, a Liberty Insurance affiliate. My KZ1100 Spectra costs me $100.00 per year. My Valkyrie costs $131.00 per year which includes collision. Course then, I'm three times your age.
Welcome to KZRider!
Bill

KZCSI wrote:

Mr.Cool wrote: I took TexasKZ's advise and called for a quote. Although the insurance company I called has a huge bias against anyone whos under 25 (statefarm) and their numbers would be higher than Id pay somewhere else they would still be able to give me an idea of the difference between the two.

The R6 would be $245/mo
The KZ750... $310/mo wtf!

Also that liability only, basic minimum coverage.

Might as well get the R6, stupid insurance

I'd stay away from Allstate and State Farm and their ilk. I'm insured with SafeCo, a Liberty Insurance affiliate. My KZ1100 Spectra costs me $100.00 per year. My Valkyrie costs $131.00 per year which includes collision. Course then, I'm three times your age.
Welcome to KZRider!
Bill

^^^^^^+1 on Safeco!
My 75 Z900 costs $98 a year Liability only, full coverage on my '03 Harley Heritage is more, I dont recall exactly but I think around $600 a year, most Insurance co.'s around here only hear the CC's part of the Bike, since the Harley is about 1500CC.....well, you see. ..........Admittedly, I am a "Dinosaur" comparatively speaking! :woohoo: and Yea, had my Motorcycle endorsement since 1973. ( No accidents or tickets either) Something else I havn't seen anyone mention....I think on bikes more than 25 years old that are considered "Vintage" or Antique" there are carriers out there who offer reduced rates, Now, maybe there are mileage restrictions..( ??)..not sure, but I only ride my Vintage 900 to Special Ride Ins and events anyway. Been thinking about checking on that myself for my Kaw 900. Good Luck!!
Ed

Rider's Plus treated me good up here. Don't know if it is available stateside.

Riders plus wouldn't even insure it.

Anyways the kz is still for sale but the guy wants more for it then he advertised. He listed it for $800 but said that is buddy screwed up the ad, he has an 83 550 ltd for 800 and wants 1400 for the KZ, which isn't bad but out of my budget, so change of plans. I'm going to look at an 83 GPz550 Saturday (though I think its actually an 84 by looking at the pictures). It needs a bit of work, doesn't run and needs paint but he only wants 500 and I think I could fix it up to be something really nice.

Even if money were no object here, a ZRX1200 and R6 are both totally unsuitable for a novice rider with only a year's experience.

Get the 750L4 , fast as you need for now, nice handling and much cheaper and easier to run and maintain. Look at the GPz750R1, very similar to the l1.

In uk there are 'collectors' policies which makes insurance on classic bikes cheap. Some have a minimum age requirement at older than 23.

Good luck, and follow your heart on this. They don't make them like they used to and the very cool lines of the twin shock z750 is something you can't get on any newer bike.

Tirell, not sure if you missed the part where I said I've been riding since I was 3. I agree that those bikes are unsuitable for novices but I'm not one, if I was I'd start with a 250 or 400. I also have my motorcycle road racing license, I got that when I was 16. Be it an R6 or a 1200 I can control it as good as any other, obvious differences aside (like weight) of course. It really isn't about the CC's though, it all comes down how well you understand both your limits and the bikes, as well as being responsible enough not to do stupid stuff on them, a 125 is still plenty fast enough to have you seriously hurt or killed.

I wish there was some kind of skill and ability test you could take to prove you really know how to control a bike. (more so than a standard training course and didnt cost $500+)

Mr Cool, where are you located? I know of a 550 in good shape for sale for less than $1000.00 in Oregon.
Toolmaker