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Discussion Starter #1
Hello all, currently riding an 06 zx6r and waiting for my dealership to get their grey z125 pro in so I can go pick it up. I will be joining the family soon, just didnt want a green one.

I do have one question.. who do you insure with and what do you pay monthly? I have friends with groms who pay 10 or 15 bucks a month but any insurance quote i get for the z125 they want 1200 or 1300 a year. Cheapest I can find is geico for 50 a month. I just felt like that was a little high? :|:|
 

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Welcome to the forum! Insurance is calculated based on where you live, your age and how long you've been riding, at least that's the case in Canada. Maybe the neighborhood your friends live in are cheaper than where you're living.
 

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The cheapest I got was through Progressive, paying $109/mo for 6mo. (The coverage is year round though,) so It equals about $54 a month? I'm 25, for reference.

Edit: I also picked mine up on May 19th, and no insurance company could run the VIN and find the bike to see the stats. I don't know if they've been updated or not.
 

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Discussion Starter #5
Sorry for the late reply. I live in Indiana, Im 22 years old so that effects me as well. When I talked to my agent at Nationwide she quoted me 9 grand for the year.. Thats 3 z125s... for some reason Nationwide had the z125 as an ultra high performance sports bike lol

Once she fixed that she got it down to about 1200 a year which still just seems too high. I still need to call State Farm but the cheapest so far has been geico.
 

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Location, age and driving history are a few variables in the cost of insurance. My general rule I follow myself is if the bike is worth less than 3K I only insure for liability. My premium went up $35 per year adding the Z. Would have been $70 full coverage.
 

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Even your credit rating matters since they want to make sure you can pay and have the means to do it. But i'm not sure what percent it factors in. But the fact is it does factor in.
 

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Down here in texas i pay $90 a year for liability. No full coverage necessary, $1000 deductible isnt worth it when thats a 3rd of the bike price.
 

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I got mine from Geico. $352 a year full coverage with a 100/300/50 liability w/ a 1k deductible. 0 years driving a motorcycle and got the insurance and told them I don't have an M1 license. No MSF discount either as I haven't taken it yet at that time. I also live in CA. I am turning 44 and had a car license since I was 16.
 

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I got mine from Geico. $352 a year full coverage with a 100/300/50 liability w/ a 1k deductible. 0 years driving a motorcycle and got the insurance and told them I don't have an M1 license. No MSF discount either as I haven't taken it yet at that time. I also live in CA. I am turning 44 and had a car license since I was 16.
One more thing to consider is that I told them I would only put 3K miles a year on it.

Not sure if that helped in keeping the cost down.
 
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