The difference in rates is in part due to how a Vstrom is classified. I work for a medium sized insurance company and have my house, cars and 1981 Honda CB750K insured through work. A few months ago when I bought my 08 DL650, I was told that they wouldn't insure it at all because the list they use classifies it as a sport bike. They don't insure sport bikes, they only insure motorcycles with side bags and windsheilds. I told them it had side bags and a windsheild and after I showed them a photograph, they decided they could cover it.

So, if an insurance company is charging too much for your Vstrom, find one that doesn't classify as a sport bike.

I had a sportbike insured through Progressive for the same price as my V.It had EVERYTHING to do with me being 50,and having NO tickets!!.I tried to insure my 18 year old son with 1 ticket on the same sportbike and it was going to be $900 a year instead of the $190 a year I was paying !!.


Sent from my iPhone using Motorcycle.com App

__________________
1982 GS850..BLACK SUNSHINE,the tripod
2007 DL996AR..BRUTUS
Ah screw it,I'm goin ridin !!!!!!!!

In my case, it had nothing to do with me being over 50 with no tickets, it was all about my DL650 being listed as a sport bike. All insurance companies may not list them that way, so it pays to shop around. Paying for insurance for a teenage male driver with a ticket is a different issue. I know because I have 6 sons.

just to add to this. the insurance on this bike is higher than my goldwing with twice the cc's.

__________________
The first 40 years of childhood are the hardest.

DL650A L1 "Sandy"
Solobox Paniers
17/46 520 size chain, Front and rear Sprockets
Rigid Industries 6" E-series light bar
3m Military Green Wrap on order
Oil Filter Adapter HERE'S why

I didn't have any issues with Progressive, but I guess it helps since I am a USAA customer. USAA uses Progressive for motorcycle insurance.

Just for reference, the 2012 DL650 was cheaper than my 2005 FZ6.

__________________
-rodney

2012 G-Strom - White
2005 Fazer - Blue

All the companies I contacted here listed it in the sport bike class. I tired talking to them and told them I would ride to them so show them. But it didn't help at all. I'm paying close to $1,000 a year....

See, if we had Blacklab as the Strom designer, we'd all be sitting in the catbird seat with low insurance rates and one fugly bike.

__________________

Wow, that's a lot. Progressive sold me a policy for $84 a year for liability for the new GStrom. Since I am financing the full coverage policy is $290 a year.

Just for reference, the FZ6 is $95 a year for liability. I didn't check, but I would bet that the FZ6 is listed as a sport bike.

I can't say enough good things about USAA. If you are a veteran you should give them a chance to save you some money. I did my research before I called them way back and JD Powers had them tied for first place with another company for customer service.

__________________
-rodney

2012 G-Strom - White
2005 Fazer - Blue

I've been with Dairyland for about 16 years now and have insured 8-10 bikes with them from Harley Softtail Duece to BMW LT. Most I've ever paid for one bike was $210. BMW 2009 GS Adventure I just sold was $169 a year. 2012 Vstrom Adventure charge was $406 for identical coverage as the BMW. No tickets, bankruptcies or felony convictions. WTF?

Try buying a new Honda NC700X,my insurance more than doubled from my Vstrom !!!!.


Sent from Motorcycle.com App

__________________
1982 GS850..BLACK SUNSHINE,the tripod
2007 DL996AR..BRUTUS
Ah screw it,I'm goin ridin !!!!!!!!