Okay,
So while I'm still narrowing down the potential new bike I decided, during a particularly boring conference call, to check out insurance rate differences between some of my likely top choices via Geico. Now, I doubt I'll go with Geico considering my home, two cars, and life insurance are all through Allstate - which I would hope would mean I should get a fairly descent rate through them on a motorcycle - BUT of course Geico has easy online rate quotes to compare.
So in plugging in a number of bikes, with a number of years where there was a viable range, I ran into something VERY strange:
The Daytona 675 - whether I plugged in say an '07, '09, or '12 - all ran almost DOUBLE the rate of a number of other litre bikes, including the "exotic" Aprilias and Ducatis.
I compared the aforementioned 3 years of the Daytona 675 to:
98 Daytona T595 (955i)
01 Daytona 955i
06 Daytona 955i
06 Ducati 749
06 Ducati 999
03 Aprilia RSV Mille
06 Aprilia RSV 1000 R
09 Aprilia RSV 1000 R
All of the above models were at a minimum $15/month lower than the Daytona 675 (the most expensive for me being the 09 Aprilia at $47/month comparative to the 07 Daytona 675 which was $62/mo, with the 09 and 12 being only a few dollars more each, the 12 capping out at $68/mo)
So my point of confusion is: Why are the rates on the 675 HIGHER than the litre bikes?
In the past - consistantly - ALL litre bikes for me have always been significantly more expensive insurance wise (typically double) that of bikes under 800cc's. My Aprilia, just 7 years ago, cost me nearly $100/mo to insure. Now - at the time my driving record was not grande by any means - but going back further, my 98 T595/955i, when I bought it in 01, and I was comparing to say a same year 600, was still double per month (with a good driving record at the time).
Is it my age? Because I'm a FOG now the 1000's are considered "tame" compared to the lean and mean 675?
Is it because the 675 is in some unique category I don't know about?
Why is the 675, a bike some 35% smaller in CC size, costing some 20'ish % more?
Can anyone explain this bizarre phenomenon to me?
Now obviously as I get closer and closer, narrowing down my options more and more, I'll eventually price these out through Allstate - but this just threw my brain for a curve so much so that I need to get my head around it before pressing forward any more - because I LOVE the 675... I would hate to knock it out of the running over insurance rates - but if the cost per month really is that much more - it will weigh on my decision.