Michigan Insurance. - 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 36 (permalink) Old 06-05-2012, 04:29 PM Thread Starter
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Michigan Insurance.

Looking for some input on insurance for my 2011 RGU, currently with HD/Progressive paying 900/year. Which is about what I was paying on my 2 99' softtails together. I have read most of the post on this topic but have not noticed any Michigan riders comments.
I am currently putting a list together to start calling, just looking for some input about what others in Michigan using and paying.
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post #2 of 36 (permalink) Old 06-05-2012, 05:47 PM
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Butch I'm in southeast Michigan and have been with state farm my entire adult life cars, house, bikes, ect..I currently have 4 bikes insured with them including my 2012 roadglide that I'm paying 690 a year and this includes 50 grand in medical insurance.

Current rides
1997 Roadking
1998 Sportster
2005 Roadking
2012 Roadglide

Previous ride
2009 Streetglide.


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post #3 of 36 (permalink) Old 06-05-2012, 09:20 PM
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My insurance dropped from over $500/yr with Progressive to just under $300/yr with State Farm (all coverages the same!). I'm in norther Indiana, but with State Farm my PI (personal injury) insurance automatically increases at no extra cost when I ride in Michigan. Something about state reciprocity. State Farm has been a good move for me. Guess I should mention my last speeding ticket was in the 90's.

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post #4 of 36 (permalink) Old 06-06-2012, 04:28 AM
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i have prog. on my 08. paying $635 and that includes $5000 in extra parts coverage... in kalamazoo ,mi.
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post #5 of 36 (permalink) Old 06-06-2012, 05:31 AM
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Here is a complete breakdown of my H-D progressive policy. I live 30 min south of AA, and I by no means have anything close to a spotless driving record. Progressive, although I firmly disagree with all of their political views, is the cheapest insurance i found by several hundred per year. I've been a loyal customer for 19 years only because they have always beaten competitors prices.


BODILY INJURY & PROPERTY DAMAGE LIABILITY $57.00
BI $100,000 EACH PERSON - $300,000 EACH ACCIDENT
PROPERTY DAMAGE LIABILITY - $50,000 EACH ACCIDENT
UNINSURED/UNDERINSURED MOTORIST $94.00
$100,000 EACH PERSON - $300,000 EACH ACCIDENT
COMP $375 DED TOTAL LOSS $79.00
INCLUDES DISAPPEARING DEDUCTIBLE
COLL $375 DED TOTAL LOSS $216.00
INCLUDES DISAPPEARING DEDUCTIBLE
MEDICAL PAYMENTS $5,000 EACH PERSON $34.00
ACCESSORY COVERAGE $3,000 INCL
ROADSIDE ASSISTANCE WITH TRIP INTERRUPTION $15.00
$500 EACH OCCURRENCE

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
Premium by Vehicle $495.00
Mcca Surcharge $145.00
Total Policy Premium $640.00


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post #6 of 36 (permalink) Old 06-06-2012, 06:00 AM
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Quote:
Originally Posted by TLKurtz View Post
My insurance dropped from over $500/yr with Progressive to just under $300/yr with State Farm (all coverages the same!). I'm in norther Indiana, but with State Farm my PI (personal injury) insurance automatically increases at no extra cost when I ride in Michigan. Something about state reciprocity. State Farm has been a good move for me. Guess I should mention my last speeding ticket was in the 90's.
That's good to know. I live about an hour south of you so the same should apply to me. My last ticket that stuck was in '94. Haven't been stopped for speeding since '96.
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post #7 of 36 (permalink) Old 06-06-2012, 07:37 AM
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I have Allstate insurance and I pay just over $1200 a year Progressive came in at $1300 a year and I have a clean driving record. I only have my motorcycle insured with Allstate all my other stuff is insured with Pioneer insurance and they don't insure motorcycles. I do have $20,000 in medical and $10,000 in coverage on my extras (which is not enough coverage). I looked into combining everything with Allstate but when I did the math I would end up paying more a year than the way I am doing it now. I did price State Farm which would cost me less but they only offered $5,000 in coverage on extras.


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post #8 of 36 (permalink) Old 06-06-2012, 08:23 AM
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Quote:
Originally Posted by ironmark View Post
I have Allstate insurance and I pay just over $1200 a year Progressive came in at $1300 a year and I have a clean driving record. I only have my motorcycle insured with Allstate all my other stuff is insured with Pioneer insurance and they don't insure motorcycles. I do have $20,000 in medical and $10,000 in coverage on my extras (which is not enough coverage). I looked into combining everything with Allstate but when I did the math I would end up paying more a year than the way I am doing it now. I did price State Farm which would cost me less but they only offered $5,000 in coverage on extras.
Iron, man that makes no sense what so ever you're just 40 mins away from me and you pay twice what i do. i've got 3 speeding tickets in 3 yrs and 2 totaled vehicles (i wasn't driving either) in 4 yrs. A nd consider my coverage good.


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post #9 of 36 (permalink) Old 06-06-2012, 08:29 AM
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I have wolverine insurance $480.00 a year and they let you put comp on in the off season ends up around $300.00 a year.

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post #10 of 36 (permalink) Old 06-06-2012, 08:32 AM
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Originally Posted by brhodea View Post
Iron, man that makes no sense what so ever you're just 40 mins away from me and you pay twice what i do. i've got 3 speeding tickets in 3 yrs and 2 totaled vehicles (i wasn't driving either) in 4 yrs. A nd consider my coverage good.
I know it makes no sense but I shopped around and this is what it is.


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