Join Date: Jul 2012
Location: Louisville, KY.
My comparision, GEICO vs Dairyland
A lot of factors can influence your insurance costs. Thought I would share what I just learned regarding my circumstances/coverages/costs.
When I bought a new Sportster in 2009 I had State Farm for my truck so I called them to e-mail bike insurance to the dealer so I could ride. But...., two days later I switched to GEICO because they were a bit less than half what State Farm wanted (don't remember exact figures). And when my truck ins. came due GEICO was $112 per year cheaper so State Farm lost that also.
Now that I have a 2013 RGC ordered I decided to do at least a little checking on what ins. will cost for the RGC. My coverages are, basically, $100K/$300K, uninsured and underinsured, $200 ded. on comp. & $500 ded. on coll. I am 65, married, no ticket since 1982 and no insurance claim since sometime in the 70's.
For my circumstances & coverages GEICO wants $566 per year--that includes $2K worth of add-ons/mods.
For the same coverage Dairyland wants $585--but that includes $5K worth of add-ons/mods.
Also found out that here in KY my passenger is automatically covered up to my $100K figure. May be different in other states.
Both GEICO and Dairyland gave discounts for ABS and theft deterrent device that disables (ignition) the bike.
So, like it is often recommended, I checked some numbers and am happy with and will stay with GEICO.
Just wanted to share info as I have learned so much from this forum.