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Ian et al,
I thought I was getting ripped off paying $700/year more for the S1000RR.
I am 56, no tickets for 4 years, and that one was removed after traffic school, last one prior to that was going to the Durango National......I have an 09 K13S and mistakenly signed up for an average of about 12,000 miles for my first year of coverage (both parents had just passed and I was just not paying attention and thought it was an aggregate for both bikes). It ran a prorated $1400 or so for 9 months added to my existing RS. When it came time to reup, I compared lots of others and ran all their calculators, etc. No matter the mileage I promised to stay under, the RS added a couple hundred a year to anything I did with the S. So, I played with all those calculators with the S, the S1000RR, GSXR1000, R1, ZX10, etc. It all came up the same and for me in rural CA, it was totally dependant on mileage. Under 2000 for the other bikes yielded abouf $900/yr as I recall. The next break was either 4 or 5k, consistent across bikes and/or vendors just add $300+/- / yr, same for under 9k miles, add another $300/yr. The increase was a little less for 12,000 miles. So, I said I rode the S under 4000 per year, since I still had a ton of miles I could have ridden in the first year, I could have 13,000 on it at renewal. And so far Foremost (my existing carrier and best price by a hundred or so so I stayed with them) has never certified my mileage on any bike in the last 150,000 miles, so I feel 'safe'. As I mentioned, it did not matter whether I had a GSXR, R1, ZX, S1000RR, or K13S, they were all lumped as High Performance. Standard 100/300/50 coverage with $500 deductable, approx $1400 for the two per year. I always wrestle with telling them I commute on the bike and how much I ride, but figure if I don't and then get totalled, I will really get totalled if they can call me on it.