Join Date: Jun 2009
Location: Omaha, Nebraska
The collision coverage is so high because sport bikes are almost 100% guaranteed to be damaged. Tip the thing over in your driveway and its $2k worth of plastic and more to get back to "new" condition. Ins companies have lost their ass on glass bikes and that's why the premiums are so epically high. I only carry comprehensive and liability on my zx10 for that very reason. Its around $250/yr for my '04.
Best advice is only buy a bike you can afford to pay cash for. Then you don't have to buy the collision insurance.
MOTO do you still have your silver 05?
A 1st Gen Ten will eat the hearts of grown men.