Why I didn't buy a Ninja 300 - Story Time

Happy New Year! Here's a story to start off 2020. So close to getting a Ninja 300 at a great deal. Picked up all my gear and was ready to pick up the bike.

[progste]

That's crazy that they raised it so much for one speeding ticket (even if it was 100 mph). Hopefully after one or two years it goes back to normal...

[degrees]

Is insurance compulsory in the US? It isn't here in South Africa.

[joeycarpenter]

I had the same problem, had some similar speeding tickets, geico wanted $3k a year for full coverage, same with most other places, then I lost all hope, figured I’d try calling one last place, “dairyland insurance “ and they would cover me for $888 (: I live in Missouri and don’t know if they cover all the states or not 👍 would be $74 a month full coverage or $40 liability !

[anchovybob]

You can get deep insurance discounts by doing things such as taking an MSF (Motorcycle safety course) and getting an endorsement. I got quoted at about $1100 a year out the gate from progressive and the insurance after an MSF and an endorsement on a financed bike dropped to $650 and finally $450 once the financed bike is paid off. I dont know if it would change your situation to much cause of the ticket but it could help!

[johndej]

Things have changed a bit since my riding days I guess. I rode a '75 BMW R 75/6 for many years until a back injury ended my fun. Perhaps a major ticket would have changed things, but I don't recall having to pay anything close to that. I do hope you are able to get a bike at some point. There's nothing like the freedom you feel on one. Happy New Year!

[hugov]

I would recommend you look at different insurance companies and call around! You never know if you don’t try. I have an insurance company that is more lenient on tickets... haha. Comes handy when I used to drive a sports car.