Cost for Inurance on a Ducati in Ca?

[MOMO3.2]

I have been bitten hard by Ducati fever. Before I get into the buying mode, Does anyone have an idea of insurance costs for a new Ducati?

I have never owned a bike. My car insurance is through Mercury. I am 45 years old. I have no accidents or tickets on my record. I would like theft insurance, liability (I own a home) and Comprehensive if I get messed up in a wreck. The bike will be ridden occasionally and stored in a secure garage.

Thanks.

Mike

[Ronbo]

I know it's none of my business, and you didn't ask, but you mentioned that you have never owned a bike before. You may want to consider getting something a bit smaller and more conservative (ie: the 500cc range) for the first bike. A used Honda, Yamaha, etc. in that range would be good. I know Buell makes a 500cc or so single cylinder that's a good starter bike. IMO, jumping straight into a Ducati as a first bike is like giving a Ferrari to someone who just got their license. Take it slow and careful!

[Simon S]

^ ^ that's a very good point.

[john70t]

Also invest in good leathers and good fiting helmet w/neckpad- there's no fender-bender on a bike.
I've had Farmers in the midwest before and was happy.

[SteveStromberg]

Duke first bike. It's life insurance you need to be buying. I give you Two weeks before the big crash.

[john70t]

It also (probably) depends upon how old someone has their first bike. At 16 I was unknowning, at 18 I was fearless, at 24, I was recovering, at 30+ I was a semi-older wiser man. ......

I remember talking to guys who thought 6 months to regrow the skin/muscle that was shaved off their elbows (to the bone) was too long a time to recover from a bike accident.............

[john70t]

Soon after purchase, the thought occured: let's see what this thing will really do..."

[MOMO3.2]

SteveStromberg:

Thank you for the vote of confidence. I grew up riding motocross bikes and had my brothers Kawasaki MkIII 500 for about a month and rode it everyday way back when. I have also owned and driven sports cars my whole life and have never been involved in an accident.

I hope you were just kidding about "the big crash" as you put it. If you were, that is some really funny $hit. If you were not well...

Brian K:

Thank you for your insightful post. You make a great point when you state that riding street bikes is dangerous, therefore, it should be done on something that makes the experience outweigh the risk. Moreover, when you point out that one can kill or injur oneself on a crappy 500cc "beginner bike" just as fast as a Ducati, you are again right on the money.

I appreciate you being candid with me about giving up on street biking yourself. Maybe I should look into dirt bikes instead...

Sincerely,

Mike

[CarreraS2]

Dirt bikes are dangerous in their own way - most everyone that I know, myself included, has been hurt on a dirt bike. BUT, these are injuries like bumps and bruises, sprained joints and broken bones. When you eliminate the risk of getting hit by a 60 mph SUV, you eliminate a lot of potentially fatal risks.

On the street, the stakes are a lot higher . . .

(That being said, I've given up street riding in the past because of the danger . . . only to come back! It is a unique rush - when I ride it often amazes me that these things have not been made illegal yet.)

[SteveStromberg]

I was just trying to make sure you understood Big Bore Bikes and novice riders dont mix.
When you said never owned a bike the first thing I think of is a begining rider.
If you rode a Mach 3 and are still around I would say you will have no problem with a Duke.

[Nine9six]

Mike,
If you are interested in a Superbike, mine is for sale. Here is my list of upgrades. Pay no attention to the 748 stickers on the body.

1. C/F front fender
2. C/F rear hugger w/ CF chain guard
3. C/F tank protector.
4. C/F swing arm protector
5. C/F subframe heat guard.
6. C/F heel guards.
7. C/F sprocket cover.
8. C/F License plate relocater.
9. C/F Arrow full 50mm exhaust system.
10. Ducati Performance billet aluminum vented clutch cover.
11. Motowheels slipper clutch w/alum plates.
12. Ducati Performance chip
13. Nichols lightweight flywheel.
14. Yoyodyne QC carrier w/40T sprocket
15. Titanium cush bushings.
16. Gold DID 520 chain.
17. Dunlop 208 GP’s (B) tires.
18. Corbin saddle – Monoposto w/yellow piping
19. Pro Italia bar risers.
20. FrenTubo kevlar brake line – Rear.
21. SS clutch & Ft. brake lines.
22. Smoke tall windscreen.
23. Megacycle hard facing on all opening rockers.
24. Marchesini magnesium wheels
25. Ohlins rear shock.
26. Ohlins R&T front fork.
27. Bitubo carbon fiber steering damper
28. Stainless steel bolt kit.
29. Titanium rotor bolts.
30. Titanium brake caliper bolts.
31. Titanium axle pinch bolts.
32. Aluminum wheel nut. Wheel side
33. Aluminum wheel nut. Sprocket side
34. Brembo radial clutch master from an 04, 999
35. Monoposto tail section.
36. Brembo 4 pad calipers
37. Brake Tech ductile iron rotors
38. 2001 996 motor w/6K miles.
39. Degreed cams.
40. STM billet breather – Red anodize.
41. Billet black anodized rearsets

[vash]

996, how much? i just missed a sweet deal in texas.

cliff

[Nine9six]

Vash,
I am asking $13.5K Do you have an offer in mind?
Regards,
Paul

[lendaddy]

Motocross and road bikes have very few similarities. I raced MX for years, but my first rocket felt foreign to me. They are much heavier, that was the biggest difference to me. Everything moved slower. Also, there is no "saving it" in a turn, if you're too hot into a corner on an MX bike you can throw it sideways and scrub speed NOW. Come in too hot on a road bike and prepare to meet the trees on the high side of the turn. I personally couldn't get use to it.

I sold mine a year and two laydowns later. They were easy laydowns, but I had an awakening. I knew I did not have the self-control for such things.

Now I'm older and realize I have the self-control but others on the road don't No bike for me yet, but I get the cravings.

[Nine9six]

Riding a bike takes 110% attention and the maturity to exercise throttle control. Without mastering these two, best to stay on 4 wheels.
If you want to ride fast, take your bike to a local track and do fast track riders sessions. All bikes are going in the same direction, and there is usually plenty of runoff area in case of blowing an apex.
Cheers,
Paul

[vash]

paul that is a nice bike. so it is a 748 with a transplanted liter motor? the deal i found in new mexico was a 996 for 6.5k obo. 6000 miles never dropped. i couldnt get to it fast enough, somebody bought it fast. oh well. i think the guy got called up for duty or something. it hurts inside. good luck with the sale.

[Don Ro]

Originally posted by Nine9six
Mike,
If you are interested in a Superbike, mine is for sale. Here is my list of upgrades. Pay no attention to the 748 stickers on the body.

3. C/F tank protector.

.
Nice rig. Who makes that tank protector...as in, where'd you get it...how much...wanna sell it...if so, how much?
.
Thanks.
.

[Don Ro]

Originally posted by MOMO3.2
Thank you for the vote of confidence. I grew up riding motocross bikes and had my brothers Kawasaki MkIII 500 for about a month and rode it everyday way back when.
Sincerely,

Mike

Got the Duc bug, eh?
.
Good info, all...both sides, really.
.
I pay $166/yr. on my '00 996S - liability only...but I have 8 bikes w/Progressive, so multi bike discount.
.
As you know, having spent time on a Mach III, it's all in the wrist, and ego kills.
I'd suggest, given that you can slip in your shower stall 'n never walk again, you take an MSF course.
Learn to STOP...first things first.
Oh, and cage drivers are NOT intimidated by bikes, that's why you'll get little heed from them. So you need to take care of them...for them and you. Parenting crisis in this country, you understand.
.
Lastly, maturity is something we think we have...until we get more. Blah, blah, blah...you knew that, though.
.
Good luck 'n ride safely.

[motion]

I'm paying about $500 per year for my 998 with State Farm. PM me if you'd like my agent's contact info.

Vash - that was probably a scam. A 996 for $6500 is way, way below market value. If not, you missed out on a good one!

I'm going to differ with Brian and agree with the others that a large Duc is not a good first bike at all. The more HP a bike has, the more tempted you will be to wind her up. We are Porsche owners after all... its going to happen. A 100HP motorcycle builds speed VERY quickly. An inexperienced rider will not understand how to bring the bike back down to a safe speed quickly. Its all about the temptation, and on a fast bike, the time from temptation to trouble happens very quickly.

[vash]

yes, motion you are probably right. sour grapes at least.