I Hate Louisiana! :rant: - Road Glide Forums
Motorcycle Insurance Let's list our insurance companies here, what we pay them and if your experience with a certain company has been good or bad.

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post #1 of 39 (permalink) Old 09-06-2011, 12:55 PM Thread Starter
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I Hate Louisiana! :rant:

Insurance rates here are rediculous! I can't insure this bike for less than $1800/yr and that's with Direct General (who I don't really care for). I don't understand why it's so high to insure this thing. I'm 33, no accidents, 1 speeding citation in 2010 and have never made an automotive insurance claim in my entire life. It's time to renew and I though shopping around would be a bit better after 6 mos. with Direct but the premiums are the same with the competition as they were when I first bought the bike. I see all these other low cost companies but none of them offer coverage in this state. Looking at your sub $1000/yr rates makes me so jealous. I don't know why we have so few options and such high rates. Thinking about this makes me very
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post #2 of 39 (permalink) Old 09-06-2011, 01:31 PM
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insurance rate

wow, Im originally from LA, and to think Im complaining about 350.00 in NH
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post #3 of 39 (permalink) Old 09-06-2011, 01:37 PM
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Did you by chance check with Harley-Davidson Insurance, they will shop the major companies for you and offer you the best rate. If it's not good just say thank you and hang up, it might be worth a try: 1-866-895-4705 or www.h-dinsurance.com
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post #4 of 39 (permalink) Old 09-06-2011, 01:49 PM
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Rates depend on claims, LA may be a high claim state
with high theft and high judgements, so you have to pay the price
of the states legal climate.

One of the reasons TX is lower is it has legal reform on it's side.

Other is look at the coverage you carry, perhaps raise a deductable,
lower limits, if it's not garaged that raises the rates, if it doesn't have an
alarm, rates go up.

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post #5 of 39 (permalink) Old 09-06-2011, 02:19 PM Thread Starter
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The H-D insurance just goes to Progressive which I've found many of the smaller companies do (USAA, General, etc.) and they want at least $2100/yr. I know LA a high rate state but that doesn't mean that I have to like it lol. I hate how my rate depends on the "statistics" from other drivers. Why can't I be judged on my own merits? I've never had an accident so why rape me now, just get it if and when I ever have a wreck.
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post #6 of 39 (permalink) Old 09-06-2011, 02:37 PM
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Okay lets try a different approach, who do you have your home, auto, life insurance with? Try them and see if they can bundle everything together and maybe the savings with all combine will offset the motorcycle insurance. I shop my insurance every year, I also got a high rate from H-D, but I went to Farm Bureau Insurance with everything and got the same policy from them with the same coverage and it was $125 less per year. They also saved me money on my home, auto's, and wind & hail insurance. Give it a shot....

Last edited by twowheel99; 09-06-2011 at 03:06 PM.
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post #7 of 39 (permalink) Old 09-06-2011, 03:02 PM
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My parents live in Baton Rouge, when they moved there Dad almost couldn't get insured on his '95 Z28 convertible. At 60 yrs old with a very clean record he was told a high performance car was hard to insure due to the DUI rate being 9 to 10 times the rate of ther states has most to do with it.


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post #8 of 39 (permalink) Old 09-06-2011, 03:17 PM
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Quote:
Originally Posted by taker96 View Post
Insurance rates here are rediculous! I can't insure this bike for less than $1800/yr and that's with Direct General (who I don't really care for). I don't understand why it's so high to insure this thing. I'm 33, no accidents, 1 speeding citation in 2010 and have never made an automotive insurance claim in my entire life. It's time to renew and I though shopping around would be a bit better after 6 mos. with Direct but the premiums are the same with the competition as they were when I first bought the bike. I see all these other low cost companies but none of them offer coverage in this state. Looking at your sub $1000/yr rates makes me so jealous. I don't know why we have so few options and such high rates. Thinking about this makes me very
wow, i live in la. i have 3 bikes insured with progressive, a 2010 rgc, 2012 rgc, and 2002 883. i am carrying 10x the minimum requred by law, with comp and collision ($250 deductible), and direct replacement on the 2 roadlgides. my premium runs $925 per year.

I understand the concept of reality, but find it too confining for a way of life.

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post #9 of 39 (permalink) Old 09-06-2011, 04:13 PM
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Don't know anything about Louisiana vehicle insurance, but I'll bet your quoted rates has to do with living in a high accident and/or theft claim area of the state. I'd think that is why you rates are sky-high in comparison to skratch's rates.

Also, if you have a high percentage of uninsured drivers in the area, insurers will raise their rates because they get stuck with paying out for collision claims if you tangle with an uninsured driver. Only way to reduce those rates is getting higher comprehensive & collision deductibles reducing liability limits or moving.

And I'm not trying to say these rates are fair, but just explaining why certain areas within the same state can have much higher rates. Insurance companies have to get their rates approved by a state board. Their rates are approved based on the area's vehicular accident/theft history and resulting payouts, while making sure the company has enough money in reserve to not go bankrupt. If they go bankrupt, you've just paid for useless insurance.

Last edited by SharkNose; 09-06-2011 at 05:03 PM.
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post #10 of 39 (permalink) Old 09-06-2011, 04:51 PM
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Give Markel a call.

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