Ducati Monster Forum

I have been thinking about picking up a new bike when I get back from my next deployment which will be about december 2012 or so.  I have been thinking about the either the streetfighter or panigale.  I know the Panigale is gonna be ridiculous due to iunsurance but she sure is sexy.  Thats why I am also entertaining the idea of a streetfighter, does anyone know if the streetfighter is classified as a standard motorcycle like the monster?

No fairings will mean it's generally cheaper to insure, but insurance for one person to another tends to vary wildly. I'd just go and check with all the available insurance companies you can use.  It does classify as a standard though.

And thanks for serving ;)

My insurance charges by the CC not buy the style of bike. My sport bike was cheaper to insure than my Monster. [thumbsdown]

Thats crazy that your insurance charges by the cc, before i got my s2r i was looking at 749 and my insurance wanted 3500 a year cause its a sport bike, my monsters insurance is only 400 a year and thats with a few reckless drivings and a DUI.

My S4 is $250/year for full coverage.   On top of that, my Sportster is an additional $10/year for liability only, and on top of that, my 1970 CT-70 is $11/year, and they couldn't tell me why a CT-70 cost more than a Sportster, except maybe the CT-70 might have more power.

I know people that are paying $2500+ per year to ride liter bikes.   Not me.

its a little bit of both, if its an older bike, than its by cc's, if its a newer bike its added by plastics

for me
my 796 was 500/year, an 1100 would have been 1100/year, a ninja1000(not zx10) was 2600/year, 848evo was 2700/year, the 1198 3700/year

all prices reflect new models, although an older 1100 would have been 800/year

If your insurance has different rates for "standards" and "sportbikes" i'm sure you could tell them it's a standard and they'd never know the difference, but if you ask me it's definitely not a standard.
 
I have State Farm and a 2010 Streetfighter.  I'm not sure how they categorize it, but when I got my policy they asked about the "type" of bike and the CCs.  I told them it was a sportbike because, well, it is. 

Insurance companies are getting smarter when it comes to insuring motorcycles... hell, I'm one of the few people still insured by USAA for motorcycle.  If money is the problem then calling for a quote before you buy is always the best bet.

I have state farm and my 1100 Evo was the same price as a street fighter s to insure.

Since you're in the military I would compare Foremost Ducati vs Progressive vs USAA

Might want to try Rider if they are available in your state.  
I just switched from Geico to Rider and they were about 1/3 of what Geico wanted for the exact same coverage on 3 bikes.

for motorcycles, USAA is just underwriting a Progresive policy....I know this as I had my bikes for years with Progressive, and my cars and everything else with USAA, and when I cheked to price out adding my bikes to the policy with USAA, they quoted me a higher price and I told them what I was paying with Progressive, and they told me that this is a Progressive policy underwritten by them and that it sounded like I should stay with Progressive Direct...

I know you asked specifically about insurance, but the 1199 and the streetfighter are hugely different bikes, what type of riding are you wanting to do and what were you riding before?

I really just cruise around town nothing really big yet, when I have more time and money id like to get something i could do a long haul on.  For the time being though I am really just interested in style and power, plus ill still have my monster if i decide to go any further then the nearest coffee shop.

Sounds like the Panigale is the bike for you!!   [roll]

the streetfighter will be much more fun around town and has the potential to be a long haul bike as well (tail/tank bag, custom cushy seat and perhaps some bar risers to swap in and out for the long trips). 

as amazingly badass as the 1199 will be, if you arent looking to do 90% hard twisties and track time you are really looking in the wrong direction.

unless you NEED an absurd amount of power or you can find a great deal on a used F1098, I would look hard at the 848 SF.  Its going to be the funnest bike of the 3 for sure.

It was over 10 years ago that I made that mistake and kept me alive, so please keep your dick comments to your self Professor.   

SF is not and cannot be a long haul bike unless you add the word "agonizing" between long and haul. 

I would have thought the SF would not be so bad for long rides.  The handle bar positioning does not seem to be hard on the back.  Kind of reminds of my Triumph Speed triple if I am not mistaken.

I envy those that have SF, it's my dream bike.