doesn't matter if you got a ticket or made an insurance claim. You had an accident and a report was filed. There is an accident on your file. Your rear ended a car, automatically an at fault accident.
It's 6 years that it will affect your rates, this is insurance law. You history report will have it forever, but insurance companies can't penalize you for it after 6 years.
You'll have to wait 6 years for it not to impact. An accident is an accident whether its minor or major. I don't want to discourage you from collision, but I would look at your price difference and weigh risks of having to absorb the cost repairing your bike in an accident.
You're under 25, have an accident and less than a year's experience on a bike (new rider). Why are you getting collision coverage on a 2001 Ninja 250? Your deductable is higher than the bikes value. Its a high rate, but I don't think its much above what I would expect.
I know its early, but has anyone gone to the show and noticed any great deals. I'm specifically looking for a new helmet. Shoei, Arai, Suomy, or Nexx. Could also use a perf. jacket.
Are you going to get raped in duty and brokerage charges? I think dave at competition cycle is selling the BT-016's for $245. More than enough tire for my needs.
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