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Discussion Starter #1
some guys from a houston mustang club told me that yamaha requires liability only on new bikes that are finaced under $10k. i cant afford full coverage insurance($6k per year[:0]) on a new 636, so the new 04 R1 seems to be in my future. i wont decide until i sit on the new R1 to see how it feels.
 

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Just buy the 636 from usuing the Kawi credit card and the insurance companies think you paid cash for the bike since its on a credit card..Then you can get just liability coverage..
 

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nice boobs chevy thunder....i mean really nice

hey arturo, why you need a new bike? dont you have a 2001 model?
 

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Hey Art, I just called Pasadena Kawi. The same applies.:D
 

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Discussion Starter #5
i dont need a new bike or a bike, but i want to start new and not keep up my rebuilt bike.

i have the kawi credit card and have $5k limit on it, i was told that the finacial company is through kawi and still requires you to have full coverage, thats to make up their loss in case its totaled.
 

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Discussion Starter #6
well i guess the kawi dealer down the street from me is lying. thanks ed, things are looking up for the new 10r or 6rr:D
 

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;)

Either Pasadena or Highlands Kawi is your best bet. Those are the only two I'd ever deal with.
Highlands (281)426-4216.
 

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two things
1 your kawi card should go through household financial and anything under 10 grand can have liabilty olny on it

2 try state farm ins for full cause i pay right at 1000 a yr with a 250 deductable. a friend here at work pays 1200 with a 500ded on a 954 and he is 22
 

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I almost got an R6, both finance companies are household financial.
If the rule applies for yamaha it should for kawasaki.
I was told by the dealer both require full coverage!
 

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Most, if not all, states require replacement insurance (collision and comprehensive) to be carried on all encumbered property.

I call BS. A huge portion of Yahama's sales are under $10K. They're not going to let millions of dollars worth of often crashed and totaled bikes run around without some kind of protection.
 

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Discussion Starter #11
i was told that the finacial company is through kawi and still requires you to have full coverage, thats to make up their loss in case its totaled
thats what i thought about kawi too. difrent info from diffrent dealers is messed up.
 

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The most expensive part is the theft insurance. I have collision and comprehensive and it costs me about 800 a year but to add theft it goes up to over 2000 per year.
 

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I thought as long as the amount that your front is more than you finance, it qualifies you for liability. well...thats what my dealership told me. I opted full coverage $278/year! with state farm. I guess they give you some sort of discount if you have another policy with them (my car). liability wouldve been $156/year. My State Farm Agent also said the said thing about the amount put down vs. what's being financed. You might wanna run that by with your insurance agent.
 

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In Florida, you don't have to have ANY insurance if the bike is under $10k.

So far, the best quote I got for insurance was $1600 for full coverage... I'm 23 with a spotless driving record too.:(

If anyone sees this that lives in Florida, please let me know if you found a company with good rates.
 

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Discussion Starter #17
the insurance is the only reason i have to wait and see. better start saving my pennies for a left over 03[V]
 

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Arturo, I got mine on the Kawi card and only had to get liability. I pay $125 a year for liability only, the lowest amount of full coverage would have been $1400, which is outrageous for the limited riding season here in NY.
It must be different state to state.
 

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Discussion Starter #19
i have the kawi card and have $5k to spend, i might put it on my other credit card though.
 

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$6k a year for insurance? dayumn! here for my 98 full coverage is $475 a year....but then again i told the insurance co. a bunch of BS too ;)
 
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