yzf600 *might* fall in it/standard.... not sure though

 

Ninja 650r did for my insurance.

 

or state farm does CC limits for insurance purposes.

 

Different insurance companies rate different bike models differently. If you're serious about it, ask your agent/company or shop around different companies for the bike of interest.

 

My friend got a Hayabusa insured in that bracket when I was in college. Had to look around for a company, though.

I've heard the whole "state farm insures based only on engine size" myth. It's not entirely true. They only do bike insurance if you have car insurance through them. Or homeowners. Their auto was three times the price of my policy at the time. And their motorcycle policies were double what I was paying with progressive.

I've always had progressive insurance. I get mine through USAA, but it's the same price if you get it direct. For me, it's just nice to be able to manage it all in one spot.

 

I've heard the whole "state farm insures based only on engine size" myth. It's not entirely true. They only do bike insurance if you have car insurance through them. Or homeowners. Their auto was three times the price of my policy at the time. And their motorcycle policies were double what I was paying with progressive.

Get a new agent. I'm bike-only with state farm and know many others that are as well. I've also heard people say "SF agent would only insure if I also blah blah blah", but that's always turned out to be an issue with the agent, not the company.

 

I don't know about all insurance companies, but insurance premiums through Rider Insurance on Daytona 675s were about a third to a quarter the cost of one of the other big four 600ss bikes when I was pricing insurance earlier in the year. That's pretty surprising if you ask me.

 

Most other companies do see the 675 as a SS. Rider insurance isn't available in GA where OP is.


But I do highly recommend Rider if you're in a state that they cover. They don't give many price breaks for the traditional big 4 SS bikes though.

 

The FZ6 is basically a semi-naked slightly detuned R6 but I THINK it may fall in the sport touring bracket due to its looks and purpose. Don't quote me on that tho. Those bikes are pretty cheap and the insurance is not bad at all.

 

You do know that a SV1000S isn't really a sport touring bike, right? It's basically what you're looking for. 90% of the performance of a SS bike, but better on the street. Main downside is that it's a little heavy.

It's basically a TL1000R with the powerband lowered in the RPM range, handling issues sorted, and slightly more relaxed ergos. Ergos are along the same lines as the ZZR600/F4i

 

A sportbike engine that's detuned by about 20hp with relaxed ergos & longer wheelbase....sounds like a sport touring bike to me.

 

I got the best rate through SF in NC, when I combined my homeowners, auto, and bike insurance. When we lived in PA, allstate gave me the best rates.

As has been stated call your insurance company, they all grade bikes a bit different.

 

I was surprised when I checked everywhere else (including State Farm and Rider) for insurance and found them all a good deal more than Progressive. (State Farm and Rider were just a bit more.) As mentioned, though, this thing gets the 'sport tourer' treatment from the 3 mentioned companies, but it sure didn't for a few companies that wanted 1000RR rates for the bastard. I didn't actually plan to switch, just wanted to browse around. :shrug Curiosity sated.

 

I think the SV1k would be somewhere in the murky realm between sport bikes and sport tourers on one side and sport bikes and standards on the other. Otherwise a good all around street bike.

On insurance - just call around. The formulas are so complex now that what person A pays is almost never the same as B.
I have SF for home, cars, bikes - it works out best. I really wanted to use RiderInsurance since they support MSF and other motorcycling causes but they were not even close for me. YMMV

 

Lmao. Sandy and I decided that while the SVs look a like... and share the twin engine and plastics... Thy have almost NOTHING in common.

Might as well be two completely different bike.

 

Baw ha ha ha ha ha. We win.

 

Mine does, aprilia SL1000 Falco.

 

Pay cash and get liability only. What are you going to do, finance a 2003 tl1000r for 5k?

 

Buying liability-only insurance only makes sense if the difference in premiums between full coverage and liability are huge (this isn't always the case) and the person who owns the bike is in a financial situation where he or she can easily replace the bike if it is wrecked. Otherwise, full coverage makes more sense. Many riders don't have the funds to readily replace their bike, and thus full coverage is a better option. It's hard to recommend buying liability-only without knowing their financial situation. I have full coverage for both of my bikes because I can't afford to just buy another one on a whim and the insurance is only $300 a year for both bikes for maxed coverage. Both are paid in full.

 

I pay about $20 a month for full coverage on my VFR800. It's woth the peace of mind to me. That's with a $250 deductible. Of course, I'm 41, clean driving record, good credit, married with a child, secure job, plus homeowners and 2 cars insured with the same company - SF.

 

I pay about $20 a month for full coverage on my VFR800.

But it's not a sportbike, only a sport-tourer! :tremble

I'm slowly trying to devise a list of bikes to consider in the future that are still sportbikes...I'm not trying to expand into...VFRs or anything, those are no brainers that they are in that bracket

The people I passed on my '98 VFR at trackdays didn't seem to notice is wasn't a sportbike.