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Hey I just have a couple of questions regarding insurance. I'm 19 and have my full G license (licensed for almost 4 years) and I got quoted at $1900 for a year with the r3. Does this sound right? I've seen horror stories online regarding ontarios prices and how this bike is classified as a supersport. Is it classified as a supersport still? Also, as a noobie, if a broker gives me a quote am I able to get a copy or proof of the quote incase I do go ahead and buy the bike or how does that work? Thanks
 

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not sure how ontario licensing and insurance works but FWIW Im from BC and this is how it works over here

There are five different rate classes for motorcycles. Each one covers a different size of engine, but they all cover any type of use, such as pleasure, to/from work, etc.
Rate class 310 is for motorcycles with an engine of up to 110 cc, and limited speed motorcycles. Limited speed motorcycles are not more than 50 cc, have a power drive system that doesn't require clutching or shifting once the drive system is engaged, have a maximum attainable speed of 70km/h, a maximum weight of 95 kg excluding fuel or batteries, and wheels with a diameter of 254 mm or more.
The other 4 rate classes for motorcycles are:
311 (111-400 cc)
312 (401-750 cc)
313 (751-1150 cc)
314 (over 1150 cc)

the higher the rate class (or the cc of the bike) = the more you pay for insurance

then you factor in your discounts/premiums based on your driving history. If you have never had an incident I think the max discount you can get is 40%. when you first get your license you pay base rate for insurance and every clean year of driving you get a 5% discount. I suggest reading up on some acts/regulations regarding motor vehicle registration and insurance. As for the question about obtaining a copy of the quote I do not see any reason why the firm providing the quote would not be able to give you a print out of it.

cheers
 

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In Ontario here, 32/Male/M2 with motorcycle safety course finished
Get as many quotes as you can, join gtamotorcycle forum and they have subforum for insurance

Do you have M1, M2 or full M ?
Did you go for safety course ?
Some will not insure you with M1, some will charge you more with M1, some don't care.
Last year I was with StateFarm with M1 and it was $1200/year
This year I'm with TD with M2 and I'm at $550/year
 

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Insurance is privatized in Ontario!? Never knew that you lucky bastards lol
 

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Fill me in

Hey I just have a couple of questions regarding insurance. I'm 19 and have my full G license (licensed for almost 4 years) and I got quoted at $1900 for a year with the r3. Does this sound right? I've seen horror stories online regarding ontarios prices and how this bike is classified as a supersport. Is it classified as a supersport still? Also, as a noobie, if a broker gives me a quote am I able to get a copy or proof of the quote incase I do go ahead and buy the bike or how does that work? Thanks
What company/agent is giving you this quote? Especially without having the bike or a motorcycle license? I am 21, live in ontario, full G and wanting to buy the R3 and i havent gotten any quotes less than $4000/year !!!! please fill me in, $1900 is so much more feasible than $4000.
 

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25/M/Ont. Have my full M now and have been licensed for 6 years total for riding. Honestly to me 1900 sounds very low for your situation. When I got my first bike with my m2 at 19 I paid 4800 my first year. Plus this year rates went up insanely for most people in Ontario. Currently I pay 1050 for full coverage on an R3, so 1900 with no riding experience is a steal. Most places in Ontario don't care at all how long you've had your G for or have been driving so that won't really factor in. Only place that does is State Farm but everyone left them because their rates went up almost 400% for some people this year. Of that's a quote using real information I'd say take it.
 

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Im 19, in Waterloo Ontario, Paying 2650 a year for the R3 (Full Coverage) with Dalton Timmis. I currently have my M2 for less than a year, and full G for the last 2 years. 1900 is really good id say if its possible go for it!
 

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Im 22, in Ottawa, and got 1900 for the year and I've had my M2 for 2 years. So most of the quotes here seem reasonable.
 
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